Hanmi Financial (HAFC) investor relations material

Company overview and strategy

• Operates 32 full-service branches and multiple loan offices across major U.S. states, focusing on Asian-American and multi-ethnic markets.

• Total assets reached $8.0B, loans $6.5B, and deposits $7.0B as of June 2026.

• Achieved 9% CAGR in both loans and deposits since 2013, with strong noninterest-bearing deposit growth.

• Second largest Korean-American bank in the U.S., with a well-capitalized balance sheet and robust governance.

• Executive team has deep industry experience, supporting growth and diversification.

Financial performance and capital

• 2Q26 net income was $23.5M ($0.79 EPS), up 4.2% QoQ, with ROAA at 1.20% and ROAE at 11.09%.

• Net interest income rose 1.0% QoQ to $63.9M; NIM was 3.36%.

• Noninterest income was $8.3M, down 2.2% QoQ, mainly due to lower SBA loan sale gains.

• Noninterest expense increased 1.7% QoQ to $39.0M, driven by higher salaries and benefits.

• Tangible common equity to tangible assets stood at 10.03%, with capital ratios well above regulatory minimums.

Loan and deposit portfolio

• Loan portfolio diversified: CRE 62%, C&I 18%, RRE 15%, Equipment Finance 5%.

• CRE portfolio is geographically concentrated in California (63%), with significant exposure to retail, hospitality, and office segments.

• USKC loans (U.S. subsidiaries of Korean corporations) represent 13% of loans and 17% of deposits.

• Deposit base is stable, with 31% noninterest-bearing demand deposits and low brokered deposits (1.3%).

• Estimated uninsured deposit liabilities are 43.4% of total deposits.