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Hanmi Financial (HAFC) investor relations material
Hanmi Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $15.1M ($0.50/diluted share), down from $17.7M in Q1, mainly due to higher credit loss expense, but up year-over-year.
Pre-provision net revenues grew 3.7% sequentially, with margin expansion and higher net interest and noninterest income.
Asset quality improved significantly, with criticized loans dropping 71.8% and nonaccrual loans down 26.8%.
Loans and deposits grew modestly, with loans at $6.31B and deposits at $6.73B; noninterest-bearing deposits at 31.3%.
Tangible common equity to tangible assets was 9.58%; CET1 capital ratio was 12.12%.
Financial highlights
Net interest income was $57.1M, up 3.7% from Q1 and 17.5% year-over-year; net interest margin rose to 3.07%.
Noninterest income increased 4.5% to $8.1M, mainly from SBA loan sales and bank-owned life insurance income.
Noninterest expense rose 4% to $36.3M, mainly due to higher salaries and operating expenses.
Efficiency ratio held steady at 55.7%.
Allowance for credit losses was $66.8M (1.06% of loans); net charge-offs were $11.4M, including an $8.6M CRE loan charge-off.
Outlook and guidance
Management expects continued loan growth in the low to mid-single digits, with a focus on C&I and SBA portfolios.
SBA production target raised to $45M–$50M per quarter for H2 2025.
Net interest margin expected to continue increasing, but at a slower rate.
Expenses projected to remain stable, with typical seasonal fluctuations.
Management is optimistic for H2 2025, emphasizing stable earnings, capital protection, and ongoing share repurchases.
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Next Hanmi Financial earnings date
Q3 202521 Oct, 2025
Next Hanmi Financial earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
Hanmi Financial Corp is a bank holding company that offers financial services through its subsidiary, Hanmi Bank. The company provides commercial banking products, including loans, deposit accounts, treasury management, and international trade services, with a focus on small and medium-sized businesses. It serves customers primarily in California, Texas, and Illinois. Hanmi Financial Corp is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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