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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

$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 4.01%, down 1 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net recoveries of 0.07%.
  • 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 (quarter, annualized)

4.01%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+15 bps YoY

Efficiency Ratio (quarter, annualized)

55.03%-1,320 bps YoY

Tier 1 Leverage Ratio

25.41%+878 bps YoY

NIM

5.17%Q2 ’245.29%Q2 ’255.00%Q2 ’26-9%+5%

Non-interest income vs. expense

2.62%Q2 ’242.03%Q2 ’251.71%Q2 ’26-22%-17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.89%0.60%4.02%0.97%0.91%1.76%4.01%-1 bps
Return on Equity2.17%5.00%3.72%25.20%6.18%4.35%6.70%15.26%-994 bps
Net Interest Margin2.85%2.74%2.71%2.86%2.77%2.74%2.87%3.02%+15 bps
Efficiency Ratio77.85%80.36%74.19%68.23%66.69%63.36%56.02%55.03%-1,320 bps
Non-Interest Burden2.18%2.17%1.97%1.90%1.79%1.68%1.55%1.58%-32 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-0.01%-0.35%-0.02%-0.01%-0.02%-0.01%-0.01%-0.07%-6 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