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Hana Bank USA, National Association

Fort Lee, NJ · Cert 26790 · Hana Financial Group Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hana Bank USA, National Association

Fort Lee, NJ · Cert 26790 · Hana Financial Group Inc.

National charter · OCC · 4 branches

Q2 2026

$835.2MAssets
$514.6MLoans
$588.2MDeposits
$224.7MEquity
Loan mix
76%RE $388.8M24%C&I $121.3M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $474.3M19%Noninterest $113.9MQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #98 of 151 inst. · $0.5B of $2921.1B

0.5% Bergen
0.0% New York
0.0% Los Angeles
0.0% Queens

Executive Summary

  • Earnings: ROA of 2.91%, up 51 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 25.41%, up 878 bps from a year ago.
  • Funding: loans stand at 87.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.91%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+25 bps YoY

Efficiency Ratio (YTD, annualized)

55.52%-1,553 bps YoY

Tier 1 Leverage Ratio

25.41%+878 bps YoY

NIM

4.88%Q2 ’245.02%Q2 ’254.91%Q2 ’26-13%+9%

Non-interest income vs. expense

2.74%Q2 ’242.00%Q2 ’251.68%Q2 ’26-27%-16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.65%0.60%2.40%1.87%1.60%1.76%2.91%+51 bps
Return on Equity2.67%3.26%3.72%14.62%11.71%8.69%6.70%11.00%-362 bps
Net Interest Margin2.82%2.65%2.71%2.70%2.53%2.45%2.87%2.95%+25 bps
Efficiency Ratio81.08%80.89%74.19%71.05%69.47%67.77%56.02%55.52%-1,553 bps
Non-Interest Burden2.25%2.11%1.97%1.87%1.71%1.61%1.55%1.56%-30 bps
Growth
Asset Growth (YoY)5.99%34.56%60.27%23.12%35.59%38.17%23.47%29.26%+614 bps
Loan Growth (YoY)48.36%40.26%42.58%34.91%27.45%19.09%16.81%9.61%-2,530 bps
Deposit Growth (YoY)6.65%47.29%83.06%28.04%42.77%23.07%7.84%13.31%-1,473 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.02%0.01%0.01%0.01%0.01%0.00%-1 bps
Net Charge-Offs / Loans-0.05%-0.12%-0.02%-0.02%-0.02%-0.02%-0.01%-0.04%-3 bps
Allowance / Loans1.31%1.18%1.17%1.09%1.10%1.06%0.83%0.84%-25 bps
Allowance Coverage of NPLs47.9x47.5x65.4x78.7x116.9x115.6x120.7xn/an/a
Capital
Tier 1 Leverage Ratio19.27%18.16%17.49%16.64%15.07%27.27%24.99%25.41%+878 bps
Total Risk-Based Capital31.86%29.81%27.62%25.25%25.30%46.21%43.26%43.06%+1,781 bps
Equity / Assets18.19%17.43%15.09%16.89%14.81%26.78%25.69%26.91%+1,001 bps
Liquidity & Funding
Loans / Deposits84.16%87.70%78.06%90.44%75.13%84.87%84.55%87.49%-295 bps
Liquid Assets / Assets23.71%16.00%23.62%10.82%23.35%21.10%17.80%16.53%+571 bps
CRE / Total Capitaln/an/an/an/a349%179.73%175.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hana Bank USA, National Association

Fort Lee, NJ · Cert 26790 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Hana Financial Group Inc.

National charter · OCC · 4 branches

Q2 2026

$835.2MAssets
$514.6MLoans
$588.2MDeposits
$224.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 30).
  • Widest gap: net interest margin trails 71% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 22 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.87%

Rank 1 of 31

Net Interest Margin

2.95%

Rank 22 of 31

Efficiency Ratio

55.52%

Rank 4 of 31

Equity / Assets

26.91%

Rank 3 of 31

Non-interest income vs. expense

$1.1M$14.5MINCOMEEXPENSE
Unfavorable gap of $13.4M · efficiency ratio beats 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 55.52%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.87%-0.02%0.39%0.84%Beats 97%1 / 31
Return on Equity10.68%-0.19%2.57%5.72%Beats 94%2 / 31
Net Interest Margin2.95%2.51%3.30%3.85%Beats 29%22 / 31
Efficiency Ratio55.52%68.41%83.66%91.76%Beats 90%4 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.47%2.65%Beats 100%5 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio42.21%13.24%15.54%26.77%Beats 87%4 / 31
Total Risk-Based Capital Ratio43.06%14.07%16.32%26.77%Beats 87%4 / 31
Equity / Assets26.91%10.38%13.26%17.83%Beats 90%3 / 31
Liquidity & Funding
Loans / Deposits87.49%84.03%94.98%103.65%26th pctl23 / 31
Loans / Assets61.61%61.61%75.31%83.78%23rd pctl24 / 31
Brokered Deposits / Depositsn/aNot reported for this institution