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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