Los Angeles, CA · Cert 24170 · Hanmi Financial Corp.
State charter, non-member · FDIC · 33 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.8% share · #21 of 107 inst. · $5.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.94% | 1.03% | 0.96% | 1.05% | 1.09% | 1.25% | 1.28% | +32 bps | |
| Return on Equity | 8.51% | 8.85% | 9.57% | 8.89% | 9.72% | 9.98% | 11.14% | 11.38% | +248 bps | |
| Net Interest Margin | 2.73% | 2.77% | 2.98% | 3.00% | 3.05% | 3.09% | 3.34% | 3.31% | +32 bps | |
| Efficiency Ratio | 57.29% | 56.47% | 52.36% | 52.56% | 51.51% | 51.63% | 51.32% | 51.12% | -144 bps | |
| Non-Interest Burden | 1.37% | 1.37% | 1.35% | 1.36% | 1.34% | 1.37% | 1.46% | 1.46% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 1.36% | 2.78% | 3.58% | 1.74% | 2.42% | 1.37% | 1.74% | -183 bps | |
| Loan Growth (YoY) | 4.63% | 1.06% | 1.81% | 2.73% | 3.53% | 4.97% | 4.07% | 3.10% | +37 bps | |
| Deposit Growth (YoY) | 2.36% | 2.53% | 3.81% | 6.33% | 5.54% | 3.71% | 2.65% | 3.35% | -298 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.23% | 0.57% | 0.41% | 0.30% | 0.28% | 0.19% | 0.15% | -26 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.12% | 0.42% | 0.26% | 0.22% | 0.16% | 0.12% | -30 bps | |
| Allowance / Loans | 1.10% | 1.12% | 1.12% | 1.05% | 1.07% | 1.06% | 1.08% | 1.08% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 4.9x | 2.0x | 2.6x | 3.6x | 3.9x | 5.7x | 7.1x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.43% | 11.47% | 11.49% | 11.43% | 11.46% | 11.47% | 11.74% | 11.71% | +28 bps | |
| Total Risk-Based Capital | 14.27% | 14.43% | 14.47% | 14.39% | 14.28% | 14.25% | 14.45% | 14.48% | +9 bps | |
| Equity / Assets | 10.67% | 10.64% | 10.81% | 10.76% | 11.00% | 11.16% | 11.33% | 11.18% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.37% | 97.10% | 94.99% | 94.32% | 96.49% | 98.27% | 96.30% | 94.09% | -23 bps | |
| Liquid Assets / Assets | 2.82% | 3.33% | 3.29% | 3.90% | 1.91% | 1.89% | 2.52% | 3.48% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 447% | 437% | n/a | n/a | |