Hanmi Financial : 1Q26 Earnings Supplemental Presentation

Published: 2026-04-21 16:52:48 ET HAFC

Published on 04/21/2026 at 04:52 pm EDT

NASDAQ | HAFC

April 21, 2026

5 - 21

22 - 30

31 - 31

32 - 34

FORWARD- LOOKING STATEMENTS

Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statements regarding operating performance, financial position, financial results and liquidity, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, and all other forecasts and statements of expectation or assumption underlying any of the foregoing. These statements involve known and unknown risks and uncertainties that are difficult to predict. Investors should not rely on any forward-looking statement and should consider risks, such as a failure to maintain adequate levels of capital and liquidity to support our operations, general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions, volatility and deterioration in the credit and equity markets, changes in investor sentiment or consumer spending, borrowing and savings habits, availability of capital from private and government sources, demographic changes, competition for loans and deposits and failure to attract or retain loans and deposits, inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding, our ability to enter new markets successfully and capitalize on growth opportunities, the current or anticipated impact of military conflict, terrorism, or other geopolitical events, the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams, risks of natural disasters, legal proceedings and litigation brought against us, a failure in or breach of our operational or security systems or infrastructure, including cyberattacks, the failure to maintain current technologies, risks associated with Small Business Administration loans, failure to attract or retain key employees, our ability to access cost-effective funding, the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses, the impact of a potential federal government shutdown, which may impact on our ability to effect sales of small business administration loans, changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio, fluctuations in real estate values, changes in accounting policies and practices, changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank's retained earnings, net income, prior distributions made, and certain other financial tests, strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make, the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses, our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses, changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements, our ability to control expenses, and cyber security and fraud risks against our information technology and those of our third-party providers and vendors.

Forward-looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated April 21, 2026, including the section titled "Forward Looking Statements" and the Company's most recent Form 10-K, 10-Q and other filings with the Securities and Exchange Commission. The Company disclaims any obligation to update or revise the forward-looking statements herein.

NON- GAAP FINANCIAL INFORMATION

This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America ("GAAP"). These non-GAAP measures include tangible common equity to tangible assets, tangible common equity per share (including without the impact of available for sale securities on the accumulated other comprehensive income) and pro forma regulatory capital. Management uses these "non-GAAP" measures in its analysis of the Company's performance. Management believes these non-GAAP financial measures allow for better comparability of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation of the non-GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation.

Net Income

$22.6M

Diluted EPS

$0.75

ROAA

1.18%

ROAE

10.86%

NIM

3.38%

Efficiency Ratio

53.48%

Earnings Performance

Net income was $22.6 million, or $0.75 per diluted share, up 6.2% from the fourth quarter, driven by continued growth in net interest income and margin, higher gains from sales of SBA loans, well-controlled noninterest expenses, and a lower effective tax rate. Return on average assets and return on average equity during the quarter were healthy at 1.18% and 10.86%, respectively.

Net interest income continued to grow, increasing 0.5% from the prior quarter, due primarily to lower interest expense as the average rate on interest-bearing deposits declined 16 basis points. Net interest margin increased ten basis points to 3.38%, due primarily to lower rates on interest-bearing deposits.

Deposits and Loans

Deposits increased 1.8% to $6.8 billion from the prior quarter and noninterest-bearing demand deposits remained stable at approximately 30% of total deposits.

Loan production increased by 0.8% to $377.9 million from the prior quarter, driven primarily by a 64% increase in commercial and industrial loan production. New loans had a weighted average interest rate of 6.54% compared to a weighted average interest rate of 6.21% for payoffs.

Asset Quality and Capital

Asset quality remained strong as nonperforming assets to total assets was 0.16%, an improvement of ten basis points from the prior quarter, and nonperforming loans to total loans was 0.19%, an improvement of nine basis points from the prior quarter.

Hanmi capital ratios strengthened further as tangible common equity to tangible assets improved 12 basis points to 10.11% and the common equity tier 1 capital ratio improved 15 basis points to 12.20%. Simultaneously, Hanmi returned $13.4 million of capital to shareholders in the form of dividends of $8.6 million and share repurchases of $4.8 million.

LOAN PRODUCTION

New Production and Weighted Average Interest Rate(4)

($ in millions)

Loan production of $377.9 million for the first quarter, which included Commercial & Industrial production of $134.7 million.

$131.4M

Commercial real estate loan production

$29.1M

Residential mortgage

production

$134.7M

Commercial and industrial loan production

$40.7M

SBA loan production

$42.1M

Equipment finance production

7.35% 7.10%

6.91% 6.90% 6.54%

18%

$345.9

16%

14%

12%

42%

$329.6

14%

26%

10%

16%

34%

37%

$374.8

12%

19%

14%

21%

$377.9

11%

35%

31%

34%

35%

$570.8

$55.2 million, $46.8 million, $44.9 million, $44.1 million, and $40.7 million of SBA loan production includes

$30.8 million, $23.3 million, $20.6 million, $22.3 million, and $23.9 million of loans secured by CRE and the remainder represents C&I loans for 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26, respectively.

Production includes purchases of guaranteed SBA loans of $11.0 million for 1Q25.

Production includes mortgage loan purchases of $10.0 million, $10.3 million, $3.0 million, and $3.4 million for 1Q25, 2Q25, 3Q25, and 4Q25, respectively.

1Q25 2Q25 3Q25 4Q25 1Q26

Weighted average interest rated is the stated weighted average coupon.

LOAN PORTFOLIO

$6.55 Billion Loan Portfolio

(as of March 31, 2026)

Equipment

(CRE)(1,2) Portfolio

Outstanding ($ in millions)

1Q26 Average Yield

Commercial Real Estate $3,998

5.71%

Residential Real Estate $1,002

5.42%

Commercial & Industrial

(C&I)(1,6) Portfolio $1,152

6.72%

Equipment Finance Portfolio $393

6.86%

# of Weighted Average

Weighted Average

(RRE)(3) Portfolio

(1,6)

C&I

18%

RRE (3)

Finance 6%

CRE Investor (1, 2)

(non-owner) 40%

15%

(2,5)

(4)

Debt Coverage Ratio(4)

CRE(2) Investor 832

48.6%

2.04x

CRE(2) Owner Occupied 726

46.4%

2.70x

CRE(2,5) Multifamily 158

55.5%

1.73x

CRE (1, 2)

CRE (2)

Construction 1%

Multifamily 7%

CRE Owner Occupied 13%

(non-owner)

Loans

Loan-to-Value Ratio

Note: Numbers may not add due to rounding.

Includes syndicated loans of $546.7 million in total commitments ($441.0 million disbursed) across C&I ($448.4 million committed and $358.2 million disbursed) and CRE ($98.3 million committed and $82.8 million disbursed)

CRE is a combination of Investor (non-owner), Owner Occupied, Multifamily, and Construction. Investor (or non-owner occupied) property is where the investor (borrower) does not occupy the property. The primary source of repayment stems from the rental income associated with the respective properties. Owner occupied property is where the borrower owns the property and also occupies it. The primary source of repayment is the cash flows from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units.

Residential real estate is a loan (mortgage) secured by a single-family residence, including one to four units (duplexes, triplexes, and fourplexes). RRE also includes $0.9 million of HELOCs and $5.6 million in consumer loans.

Weighted average LTV and weighted average DCR calculated when the loan was first underwritten or renewed subsequently.

$78.5 million, or 17.8%, of the CRE multifamily loans are rent-controlled in New York City.

Includes $250.5 million of loans to nondepository financial institutions (NDFI).

DEPOSIT PORTFOLIO

Total deposits increased 1.8% to $6.80 billion, from the prior quarter.

Noninterest-bearing demand deposits represented 29.9% of total deposits at March 31, 2026. Estimated uninsured deposit liabilities were 44.4% of the deposits. Brokered deposits were low at 1.3% of the deposits.

Deposits

($ in millions)

31%

$6,619 $6,729 $6,767 $6,678 $6,801

18%

17%

18%

17%

19%

20%

19%

21%

Average Interest-bearing Deposits

($ in millions)

3.69% 3.64% 3.56% 3.36% 3.20%

$4,462

$4,625

$4,704

$4,714

$4,661

1Q25

2Q25

3Q25

4Q25

1Q26

Note: Numbers may not add due to rounding.

31%

30%

1Q25

2Q25

3Q25

4Q25

1Q26

3.22%(1)

3.02% 3.07%

3.28%(2)

3.38% (3)

Net Interest Margin

3.38% (3)

3.28%(2)

Net interest income for the first quarter was $63.2 million and net interest margin (taxable equivalent) was 3.38%, both up from the fourth quarter.

0.01%

0.12%

-0.03%

$55.1

$57.1

$61.1(1)

$62.9(2)

$63.2

($ in millions)

1Q25 2Q25 3Q25 4Q25 1Q26

4Q25 Loans IB-deposits Other IB

liabilities

1Q26

Includes a $0.6 million interest recovery from a previously charged-off loan; represents approximately 3 bps of net interest margin 9

Includes a $0.2 million interest recovery from a previously charged-off loan and loans returned to accruing status; represents approximately 2 bps of net interest margin

Includes a $0.5 million special FHLB dividend; represents approximately 2 bps of net interest margin

Loan & Deposit Beta(1) Fed Funds Rate & Rate on CDs

6.02% 6.00% 6.04% 5.95%

5.50%

5.90%

5.93% 5.99% 5.95% 6.05%

5.89%

5.91%

Yield for Loans

Rate on CDs(2)

4.50% 4.50% 4.25%

4.17% 4.05% 3.97%

3.93% 3.80%

3.75% 3.75%

Fed Funds Rate(3)

5.00%

4.20% 4.28% 4.29% 4.22%

4.50% 4.50%

3.83% 3.67%

4.25%

3.75% 3.75%

Fed Funds Rate

Rate on

1Q25 2Q25 3Q25 4Q25 1Q26

Deposits - CD Maturities （$ in millions）

3.60% 3.58% 3.50%

3.27%

3.18%

Interest-bearing deposits

Rate on CDs(4)

3.94% 3.75%

$1,024.5

3.54% 3.47%

Mar-24 Jun-24 Aug-24 Sep-24 Dec-24 Mar-25 Jun-25 Aug-25 Sep-25 Dec-25 Mar-26

Time Horizon:

Change in the Fed Funds Rate:

Deposit Beta:

Aug 24 - Aug 25

-100 bps

71%

Aug 25 - Mar 26

-75 bps

53%

$795.1

$962.9

$705.1

$367.6

$353.6

$61.6 $90.0

$308.8

$307.0

$1.8

$14.0

2Q 2026 3Q 2026 4Q 2026 1Q 2027

Numbers may not add due to rounding.

Yield for Loans and rate on interest-bearing deposits represent monthly average yield and rate, respectively. Fed funds rate represents the rate at the end of the month. Beta is measured monthly between August 2024, when the fed funds rate was

5.50%, and August 2025, when the fed funds rate was 4.50%, and between August 2025, when the fed funds rate was 4.50%, and March 2026, when the fed funds rate was 3.75%.

Average rates on CDs and interest bearing-deposits for the month of March 2026 were 3.76% and 3.18%, respectively.

Fed funds rate represents the upper-target rate at the end of the quarter. 10

Represent weighted average contractual rates.

NONINTEREST INCOME

1Q26 Service Charges, Fees & Other（$ in millions）

Noninterest income for the first quarter was $8.5 million, up 2.9% from the fourth quarter, primarily due to a $0.3 million increase in gain on sale of SBA loans.

Noninterest Income

（$ in millions）

$7.7

$0.2

$2.0

$8.1

$2.2

$1.2

$1.9

$8.3

$0.6

$1.8

$8.5

$0.5

$2.1

$5.5

$5.9

(1)

$6.8

(1)

$5.9

(1)

$9.9

$0.8 14%

$0.6 10%

$2.1 36%

$0.9 15%

$1.5 25%

SBA 7(a) Loan Production and Sales （$ in million）

7.82% 7.61% 6.95% 7.40% 7.88%

$55.2

$46.8

$44.9

$44.1

$32.2

$35.4

$32.6

$40.7

$29.9

$32.5

1Q25 2Q25 3Q25 4Q25 1Q26

Numbers may not add due to rounding.

Includes $0.4 million, $0.9 million, and $0.3 million in BOLI death benefits for 2Q25, 3Q25, and 1Q26, respectively.

1Q25, 4Q25, and 1Q26 each had one mortgage loan sale transaction. 2Q25 and 3Q25 had zero and two transactions, respectively.

1Q25 2Q25 3Q25 4Q25 1Q26

NONINTEREST EXPENSE

Noninterest expense was $38.4 million for the first quarter, down 1.9% from the fourth quarter, principally due to the gains recognized on the sales of foreclosed properties for the first quarter, compared with an expense for other real estate owned for the fourth quarter.

Noninterest expense /

($ in millions)

Average assets

1.86% 1.89% 1.90% 1.98% 2.00%

$35.0

(1)

$3.9

$36.3

$4.2 $4.5 (1)

$1.5 $1.7

$3.8 $3.7

$37.4

$4.8

$2.0

$39.1

$5.9

$2.3

$4.1

$38.4

$4.8 (1)

$2.8

$4.4

$4.5 $4.3

$4.5

$4.3

$4.4

$21.0 $22.1

$22.2

$22.5

$22.0

1Q25 2Q25

3Q25

4Q25

1Q26

Includes a $0.6 million and $0.8 million gain from the sale of OREO properties in 2Q25 and 1Q26, respectively.

The $19.4 million increase in criticized loans in the first quarter was primarily driven by a $21.2 million commercial real estate loan in the retail industry downgraded to special mention.

Criticized Loans(2)（$ in millions）

2.62%

Delinquent Loans(1)（$ in millions）

0.28%

$17.3 0.17% 0.18%

$11.6

0.27%

$17.6

0.20%

$13.3

Delinquent loans / Total loans

$164.9

0.74% 0.69%

1.48% 1.78%

Criticized loans / Total loans

$8.2

$10.9

$3.5 $7.0

$12.4

$116.4

$118.4

(3)

$97.0

$46.6

$71.1

(5,6)

(5,6,7)

$93.7

(4)

$46.5

$12.7 (5)

$33.9(4)

$45.4

$16.8 (5)

(4)

$28.6

(4)

$25.9

$22.7

$8.9

$9.1 $7.4 $4.6 $5.2 $4.4

1Q25 2Q25 3Q25 4Q25 1Q26

Numbers may not add due to rounding.

Represents loans 30 to 89 days past due and still accruing.

1Q25 2Q25 3Q25 4Q25 1Q26

Includes nonaccrual loans of $34.4 million, $24.1 million, $19.4 million, $18.1 million, and $12.4 million as of 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26, respectively.

Includes two special mention CRE loans of $105.8 million in the hospitality industry and a $12.2 million C&I relationship in the retail industry.

Includes one CRE loan designated nonaccrual totaling $20.0 million, $11.0 million , $10.6 million, $10.2 million and $0.3 million for 1Q25, 2Q25, 3Q25, 4Q25, and $1Q26, respectively.

Includes one C&I relationship in the retail industry totaling $12.2 million, $11.8 million, $11.6 million, and $11.4 million for 2Q25, 3Q25, 4Q25, and 1Q26, respectively.

Includes one special mention CRE loan of $55.0 million, and $54.8 million in the hospitality industry for 4Q25, and 1Q26, respectively.

Includes one special mention CRE loan of $21.2 million in the retail industry.

ASSET QUALITY - NONPERFORMING ASSETS & NONACCRUAL LOANS

Nonperforming assets were $12.4 million at the end of the first quarter, down 38.3% from $20.1 million at the end of the fourth quarter.

Nonaccrual Loans（$ in millions）

Nonperforming Assets(1)（$ in millions）

0.46%

$35.5 (2)

Nonperforming assets /

Total assets

$0.1

$26.0

$35.6

$26.0

$21.4

$2.0

$19.4

$20.1

$2.0

$18.1

$12.4

$35.7

0.33% 0.27% 0.26%

$26.0(2)

$20.0

$11.0

$19.4

(2)

$18.1

(2)

$10.2

0.16%

$4.5

$4.0

$10.6

(4)

$12.4

$2.8

$8.2

$4.0

$7.0

$1.7

$0.3

$6.8

$1.7

$1.1

$5.1

$3.2

$2.5

$2.0

$4.7

1Q25 2Q25 3Q25 4Q25 1Q26

Note: Numbers may not add due to rounding.

1Q25 2Q25 3Q25 4Q25 1Q26

Nonperforming assets exclude repossessed personal property of $0.7 million, $0.6 million, $0.4 million, $0.6 million, and $0.3 million for 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26 respectively.

Specific allowance for credit losses for 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26 was $11.8 million, $4.1 million, $4.4 million, $3.4 million, and $3.2 million, respectively.

Residential real estate includes consumer loans.

Represents a $10.2 million and $0.3 million CRE loan at 4Q25 and 1Q26, respectively.

Net charge-offs for the first quarter were

$2.6 million, or 16 bps annualized.

Net Charge-offs (Recoveries)（$ in millions）

Gross Charge-offs（$ in millions）

$9.4 (2)

$3.2

$0.4

$2.8

$3.0

$2.6

$0.2

$2.4

$2.9

$0.9

$2.0

$3.2

$0.2

$3.0

$12.4

0.13%

0.73%

$11.4

-0.03%

0.10% 0.16%

Net Charge-offs / Average loans

(2)

$9.0

$1.9

$1.6

$2.6

$0.2

1Q25 2Q25 3Q25 4Q25 1Q26

$2.0

$2.3

$1.6

$0.2

$1.4

$2.4

($0.1)

($2.1)(1)

1Q25

2Q25

($0.5)

3Q25

4Q25

1Q26

Note: Numbers may not add due to rounding.

Includes a $2.0 million recovery on a loan previously charged-off in 3Q25. 15

Includes an $8.6 million commercial real estate loan charge-off.

ACL TREND

The allowance for credit losses was $70.5 million at March 31, 2026, or 1.08% of total loans, compared with $69.9 million, or 1.07% of total loans, at the end of the prior quarter.

Credit Loss Expense（$ in millions）

$7.6

$2.7

$2.9

$2.1

$1.9

Allowance for Credit Losses（$ in millions）

1.12%

1.06% 1.07% 1.07% 1.08%

$70.6

$66.8

$69.8

$69.9

$70.5

1Q25 2Q25 3Q25 4Q25 1Q26

($ in millions)

March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

Allowance

Loans

Allowance

Loans

Allowance

Loans

Allowance

Loans

Allowance

Loans

CRE

$ 36.8

$ 3,998.1

$ 38.7

$ 4,030.1

$ 40.2

$ 4,015.3

$ 37.5

$ 3,948.9

$ 41.4

$ 3,975.7

C&I

8.8

1,152.6

7.8

1,074.9

7.3

1,052.5

6.9

918.0

6.2

854.4

Equipment Finance

11.6

392.6

10.4

408.5

11.0

416.9

11.8

445.2

13.0

472.6

RRE & Consumer

13.3

1,002.2

13.0

1,049.9

11.3

1,043.6

10.6

993.9

10.0

979.5

Total

$ 70.5

$ 6,545.5

$ 69.9

$ 6,563.4

$ 69.8

$ 6,528.3

$ 66.8

$ 6,306.0

$ 70.6

$ 6,282.2

Note: Numbers may not add due to rounding. 17

SECURITIES PORTFOLIO

Available for Sale(1)

$900 Million

Municipal

US Agy CMO 19%

UST

14% US Agy

US Agy MBS -

Residential 45%

The $900.0 million securities portfolio (all AFS, no HTM) represented 11% of assets at March 31, 2026, and had a weighted average modified duration of 3.7 years with $64.3 million in an unrealized loss position.

Unrealized Loss

$64 Million

US Agy CMO

Municipal 12%

US Agy 2%

US Agy MBS -

Commercial

US Agy MBS -

Commercial 17%

Residential 61%

Principal Paydowns(3)（$ in millions）

US Agy Residential MBS Maturity Securities Duration

$262

$29

$334

$24

$233

$310

$184

$16

$168

$107

$11

$96

(3)

2025 Actual 2026 2027 2028

$400 Million

20 Year

19%

30 Year (2)

16%

15 Year

65%

3.7 Years

> 5 Years

23%

3 to 5 Years

38%

< 1 Year

19%

1 to 3 Year

20%

Note: Numbers may not add due to rounding.

Based on the book value.

98.0% constitutes CRA bonds. 18

2026 year-to-date observed $76.8 million of principal paydown and $7.1 million of interest payments.

LIQUIDITY

The Bank and the Company had ample liquidity

resources at March 31, 2026.

Cash & Securities at Company-only （$ in millions）

Balance

Cash $ 1

Securities (AFS) 49

$ 50

Liquidity Position（$ in millions）

Balance % of Assets

Liquidity Ratios

Liquid Assets to Total Assets Liquid Assets to Deposits Liquid Assets to Total Liabilities Brokered Deposits to Deposits

18.9%

17.7%

18.3%

17.2%

15.6%

15.8%

15.4%

16.3%

15.3%

15.2%

15.1%

Cash & cash equivalents

$ 254

3.3%

Securities (unpledged)

787

10.1%

Loans held for sale

0.1%

Liquid Assets

1,046

13.4%

FHLB available borrowing capacity

1,509

19.4%

FRB discount window borrowing capacity

412

5.3%

Federal funds lines (unsecured) available

140

1.8%

Secondary Liquidity Sources

2,061

26.5%

Bank Liquidity (Liquid Assets + Secondary Liquidity)

$ 3,107

39.9%

Company-only Subordinated Debentures （$ in millions）

Amortized

Par Cost Rate

2036 Trust Preferred Securities $ 27 $ 22 5.34% (1)

2031 Subordinated Debt 110 109 3.75% (2)

$ 137 $ 131

Rate at March 31, 2026, based on 3-month SOFR + 166 bps.

13.5% 13.5% 13.4%

1.1% 1.3% 1.3% 1.3% 1.3%

1Q25 2Q25 3Q25 4Q25 1Q26

Issued in August 2021 and due in September 2031. The interest rate is fixed at 3.75% for 5 years. The rate resets quarterly commencing September 1, 2026 to the 3-month SOFR + 310 bps.

CAPITAL MANAGEMENT

Dividends, Share Repurchases & TCE/TA(1)（$ in millions）

9.99% 10.11%

10.37%

10.27%

Prudent capital management while driving shareholder return through stable quarterly dividends and share repurchase program. Tangible book value per share (TBVPS)(1) increased 1.1% to $26.56 at the end of the first quarter.

TBVPS(1) & TCE/TA(1)

9.59% 9.58%

9.80%

$17.7

$15.1

42%

41%

53%

$22.1 $21.2 $22.6

TCE / TA(1)

10.41% 10.54% 10.70%

9.80% 9.99% 10.11%

48%

35%

11%

21% 21%

46%

54%

37%

38%

$24.49

$24.91

$25.64

$26.27

$26.56

9.59%

9.58%

1Q25 2Q25 3Q25 4Q25 1Q26

TCE/TA (1)

TCE/TA (w/o AFS AOCI)(1)

Non-GAAP financial measure, refer to the non-GAAP reconciliation slides.

Includes shares purchased to satisfy employees' tax liabilities upon the vesting of stock-based compensation of 20

$0.6 million, $0.4 million, and $1.1 million for 1Q25, 2Q25, and 1Q26, respectively.

"Net Income - Retained" is equal to net income minus dividend payout and share repurchases.

Disclaimer

Hanmi Financial Corporation published this content on April 21, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 21, 2026 at 20:48 UTC.