PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $474.3M19%Noninterest $113.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.40%1.87%1.60%1.76%2.91%+51 bps
Return on Equity14.62%11.71%8.69%6.70%11.00%-362 bps
Net Interest Margin2.70%2.53%2.45%2.87%2.95%+25 bps
Efficiency Ratio71.05%69.47%67.77%56.02%55.52%-1,553 bps
Non-Interest Burden1.87%1.71%1.61%1.55%1.56%-30 bps
Growth
Asset Growth (YoY)23.12%35.59%38.17%23.47%29.26%+614 bps
Loan Growth (YoY)34.91%27.45%19.09%16.81%9.61%-2,530 bps
Deposit Growth (YoY)28.04%42.77%23.07%7.84%13.31%-1,473 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.00%-1 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%-0.01%-0.04%-3 bps
Allowance / Loans1.09%1.10%1.06%0.83%0.84%-25 bps
Allowance Coverage of NPLs78.7x116.9x115.6x120.7xn/an/a
Capital
Tier 1 Leverage Ratio16.64%15.07%27.27%24.99%25.41%+878 bps
Total Risk-Based Capital25.25%25.30%46.21%43.26%43.06%+1,781 bps
Equity / Assets16.89%14.81%26.78%25.69%26.91%+1,001 bps
Liquidity & Funding
Loans / Deposits90.44%75.13%84.87%84.55%87.49%-295 bps
Liquid Assets / Assets10.82%23.35%21.10%17.80%16.53%+571 bps
CRE / Total Capitaln/a349%179.73%175.64%n/an/a