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Hanmi Financial (HAFC) investor relations material
Hanmi Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $22.1 million ($0.73 per diluted share), up 45.9% year-over-year and from Q2, driven by higher net interest and noninterest income and lower credit loss expense.
Return on average assets rose to 1.12% and return on average equity to 10.69%, reflecting stronger profitability.
Loan production reached $570.8 million, up 73% quarter-over-quarter, with commercial loans as a key driver and continued investment in lending teams and new markets.
Asset quality improved, with reductions in criticized and nonperforming loans/assets, and a meaningful reduction in net charge-offs.
USKC initiative contributed to healthy loan and deposit growth, with US subsidiaries of Korean companies now representing mid-teens percentages of total loans and deposits.
Financial highlights
Net interest income for Q3 2025 was $61.1 million, up 6.9% from the prior quarter and 22% year-over-year; net interest margin expanded by 15 bps to 3.22%.
Noninterest income rose 22.4% to $9.9 million, reflecting gains from residential mortgage sales and higher bank-owned life insurance benefits.
Noninterest expense was $37.4 million, up 2.8% from the prior quarter and 6.5% year-over-year, mainly due to higher salaries and operating fees.
Efficiency ratio improved to 52.65%, a two-year low.
Loans receivable grew to $6.53 billion, and deposits rose to $6.77 billion, with growth in time, money market, and savings accounts.
Outlook and guidance
Loan growth guidance raised to mid-single digits for the year, up from previous low-to-mid single digit forecast.
Management anticipates continued margin expansion, though the extent depends on deposit and loan growth dynamics.
Focus remains on scaling C&I, residential, and SBA portfolios, broadening the deposit base, and maintaining strong credit metrics.
Management highlights strong capital and liquidity positions, with ample resources to support growth and manage risks.
The company declared a quarterly cash dividend of $0.27 per share, payable November 20, 2025.
Impact of new markets on loan portfolio mix?
Sustainability of NIM expansion drivers?
Why did ACL increase with improving credit?
What are the key drivers for sustained loan growth?
Discuss factors impacting future NIM expansion.
Describe the strategy for managing asset quality.
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Next Hanmi Financial earnings date
Q4 202528 Jan, 2026
Next Hanmi Financial earnings date
Q4 202528 Jan, 2026
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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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