Hanmi Financial (NASDAQ: HAFC) grows Q2 2026 net income to $23.5M

Rhea-AI Filing Summary

Hanmi Financial Corporation reported strong results for the quarter ended June 30, 2026, with net income of $23.5 million, or $0.79 per diluted share, up 4.2% from the prior quarter and 55.5% from a year earlier. Return on average assets was 1.20% and return on average equity 11.09%.

Net interest income rose to $63.9 million and the net interest margin (taxable equivalent) was 3.36%, edging down 2 basis points as higher loan and securities income was offset by deposit costs and lower FHLB dividends. Credit loss expense fell to $1.2 million, while total deposits grew 2.3% to $6.96 billion, including 5.2% growth in noninterest-bearing balances.

Asset quality remained strong: nonperforming assets were 0.12% of total assets and nonperforming loans 0.15% of loans, both improved from the prior quarter. Tangible common equity to tangible assets was 10.03%. The company returned 58% of quarterly earnings to shareholders via $8.3 million in dividends and $5.2 million of share repurchases.

Positive

• Q2 2026 profitability accelerated: net income rose 55.5% year over year to $23.5 million, with diluted EPS of $0.79 and attractive returns of 1.20% ROAA and 11.09% ROAE.

Negative

• None.

8-K Event Classification

3 items: 2.02, 3.6, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 3.6 Item 3.6

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income Q2 2026: $23.5 million Diluted EPS Q2 2026: $0.79 Net interest income: $63.9 million +5 more

8 metrics

Net income Q2 2026 $23.5 million Quarter ended June 30, 2026; up 4.2% from Q1 2026 and 55.5% from Q2 2025

Diluted EPS Q2 2026 $0.79 Quarter ended June 30, 2026; compared with $0.75 in Q1 2026 and $0.50 in Q2 2025

Net interest income $63.9 million Net interest income for Q2 2026; 1.0% higher than Q1 2026

Net interest margin 3.36% Taxable equivalent net interest margin for Q2 2026; down 2 basis points from Q1 2026

Total deposits $6.96 billion Deposits at June 30, 2026; 2.3% higher than March 31, 2026

Nonperforming assets ratio 0.12% Nonperforming assets to total assets at June 30, 2026; improved from 0.16% at March 31, 2026

Tangible common equity ratio 10.03% Tangible common equity to tangible assets at June 30, 2026

Credit loss expense Q2 2026 $1.2 million Quarter ended June 30, 2026; down from $2.9 million in Q1 2026 and $7.6 million in Q2 2025

Key Terms

net interest margin, nonperforming assets, criticized loans, tangible common equity, +2 more

6 terms

net interest margin financial

"Net interest income increased 1.0% and net interest margin decreased two basis points to 3.36%."

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

nonperforming assets financial

"Asset quality remained strong as nonperforming assets to total assets was 0.12%."

Nonperforming assets are loans or investments that are not generating expected payments or returns because the borrower has fallen behind on payments or the investment has lost value. They matter to investors because a high level of nonperforming assets can indicate financial trouble for a bank or institution, potentially affecting its stability and profitability.

criticized loans financial

"Criticized loans were $113.9 million for the second quarter of 2026."

Criticized loans are bank loans that examiners or the bank itself have flagged as showing signs of weakness—such as higher risk of late payments, reduced collateral value, or borrower stress—but that are not yet officially defaulted. They matter to investors because a growing pile of such loans can signal deteriorating credit quality and higher future losses for a lender, much like small warning lights on a car dashboard that suggest a problem that, if ignored, could lead to a breakdown.

tangible common equity financial

"Capital ratios remained healthy with tangible common equity to tangible assets at 10.03%."

Tangible common equity is the portion of a company’s net worth that belongs to ordinary shareholders after removing intangible items (like goodwill or patents) and any preferred claims; it’s often expressed on a per-share basis. Think of it as the hard, sellable value left for common owners if you removed non-physical assets and paid off debts—investors use it to judge how much real cushion a company has and whether the stock might be under- or over-valued.

allowance for credit losses financial

"The allowance for credit losses was $70.5 million, or 1.08% of loans."

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

brokered time deposits financial

"Brokered time deposits were 1.3% of total deposits at June 30, 2026."

Brokered time deposits are interest-bearing bank deposits sold through a broker instead of directly by a bank; they lock up your money for a set period and typically pay a known rate, similar to buying a fixed-term savings note through a middleman. Investors care because these products can offer higher rates and easier access to many banks at once, but they bring trade-offs in liquidity, potential resale-price risk if you sell early, and reliance on the broker and bank for safety and insurance limits.

Earnings Snapshot

Net income: $23.5 million

quarter ended June 30, 2026

Net income $23.5 million up 4.2% from Q1 2026 and 55.5% from Q2 2025

Diluted EPS $0.79 up from $0.75 in Q1 2026 and $0.50 in Q2 2025

Net interest income $63.9 million up 1.0% from $63.2 million in Q1 2026

Net interest margin 3.36% down 2 basis points from 3.38% in Q1 2026

Return on average assets 1.20% slightly higher than 1.18% in Q1 2026

Return on average equity 11.09% up from 10.86% in Q1 2026

Total deposits $6.96 billion up 2.3% from $6.80 billion at March 31, 2026

Nonperforming assets/total assets 0.12% improved from 0.16% at March 31, 2026

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 07/21/2026 - 04:30 PM Accepted by SEC EDGAR 07/21/2026 - 04:29 PM Learn about SEC filing dates

FAQ

What were Hanmi Financial (HAFC) earnings and EPS for Q2 2026?

Hanmi Financial reported Q2 2026 net income of $23.5 million, or $0.79 per diluted share. This compares with $22.6 million, or $0.75 per diluted share, in Q1 2026 and $15.1 million, or $0.50, in Q2 2025.

How did net interest income and margin trend for HAFC in Q2 2026?

Net interest income increased to $63.9 million in Q2 2026, up 1.0% from Q1 2026. The net interest margin (taxable equivalent) was 3.36%, down slightly from 3.38% in the prior quarter, mainly due to lower contributions from loans and FHLB stock.

What was Hanmi Financial (HAFC) deposit and loan profile at June 30, 2026?

At June 30, 2026, deposits were $6.96 billion, up 2.3% from March 31, 2026, with noninterest-bearing demand deposits at 30.7% of total deposits. Total loans held for investment were $6.54 billion, essentially flat quarter over quarter and up 3.6% year over year.

How strong was HAFC’s asset quality in Q2 2026?

Asset quality remained strong, with nonperforming loans at 0.15% of total loans and nonperforming assets at 0.12% of total assets as of June 30, 2026. The allowance for credit losses was $70.5 million, representing 1.08% of loans.

What capital and shareholder return actions did Hanmi Financial (HAFC) take in Q2 2026?

Stockholders’ equity reached $812.7 million, and tangible common equity to tangible assets was 10.03%. Hanmi returned 58% of Q2 net earnings via $8.3 million in dividends and $5.2 million of share repurchases, including 160,000 shares at an average $30.24.

How did HAFC’s first-half 2026 results compare to first-half 2025?

For the six months ended June 30, 2026, net income was $46.1 million, up 40.5% from $32.8 million a year earlier. Net interest income before credit loss expense rose to $127.1 million, and credit loss expense declined to $4.1 million from $10.4 million.

False000110924200011092422026-07-212026-07-21iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  July 21, 2026

HANMI FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	000-30421	95-4788120
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

900 Wilshire Boulevard, Suite 1250

Los Angeles, CA 90017

(Address of Principal Executive Offices) (Zip Code)

(213) 382-2200

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.001 par value	HAFC	Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company,indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On July 21, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended June 30, 2026. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K. In connection therewith, Hanmi Financial provided a supplemental presentation on its website at https://investors.hanmi.com. A copy of the supplemental presentation is attached hereto as Exhibit 99.2.

This information set forth under “Item 2.02. Results of Operations and Financial Condition,” including Exhibit 99.1 and 99.2 attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filing.

Item 9.01. Financial Statements and Exhibits.

(d)       Exhibits

99.1		Press release issued by Hanmi Financial dated July 21, 2026
99.2		Hanmi Financial Second Quarter 2026 Earnings Supplemental Presentation
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

Forward-Looking Statements

This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statements. These factors include the following:

• 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;

• risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors;

• the failure to maintain current technologies;

• risks associated with Small Business Administration loans;

• failure to attract, develop, or retain key employees;

• our ability to access cost-effective funding;

• the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy;

• the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty;

• 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;

• the inability of third-party service providers to perform their obligations to us; and

• the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2025, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	HANMI FINANCIAL CORPORATION
Date: July 21, 2026	By:	/s/ Bonita I. Lee
		Bonita I. Lee
		Chief Executive Officer

EXHIBIT 99.1

Hanmi Reports 2026 Second Quarter Results

LOS ANGELES, July 21, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the second quarter of 2026.

Net income for the second quarter of 2026 was $23.5 million, or $0.79 per diluted share, compared with $22.6 million, or $0.75 per diluted share for the first quarter of 2026. The return on average assets for the second quarter was 1.20% and the return on average equity was 11.09%, compared with a return on average assets of 1.18% and a return on average equity of 10.86% for the first quarter of 2026.

CEO Commentary
“Hanmi delivered another quarter of strong earnings growth, reflecting consistent execution across our business,” said Bonnie Lee, President and Chief Executive Officer. “Our capital position remained healthy while returning 58% of earnings to shareholders in the form of dividends and share repurchases. Return on average equity increased to 11.1%, supported by robust deposit growth, solid loan production, lower funding costs, and prudent expense management. Deposits grew 2.3% sequentially, with noninterest-bearing deposits increasing 5.2%, underscoring the strength of our relationship-based banking model and the value of our franchise.”

“Consistent with our strategy, we maintained a steady pace of loan production while continuing to diversify our loan portfolio. Importantly, credit quality remained excellent, reflecting our prudent underwriting standards and disciplined approach to risk management.”

“Based on our strong first-half performance, robust loan and deposit pipelines, and the momentum we are seeing across the business, we remain optimistic about our outlook and are confident in our ability to deliver continued earnings growth and strong financial performance through the second half of 2026,” concluded Lee.

Second Quarter 2026 Highlights:

• Net income was $23.5 million, or $0.79 per diluted share, up 4.2% from the first quarter, driven by continued growth in net interest income and lower credit loss expense.
• Return on average assets and return on average equity during the second quarter were 1.20% and 11.09%, respectively.
• Deposits increased 2.3% to $7.0 billion from the prior quarter and noninterest-bearing demand deposits increased to 31% of total deposits, from 30% for the prior quarter.
• Net interest income increased 1.0% from the prior quarter, driven by the growth in commercial real estate and commercial and industrial lending. The increase was further supported by an improved funding mix, including lower-cost interest-bearing deposits and reduced borrowings.
• Net interest margin decreased two basis points to 3.36%, due primarily to normalization of FHLB dividend income, which elevated interest income in the prior quarter.
• Asset quality remained strong as nonperforming assets to total assets was 0.12%, an improvement of four basis points from the prior quarter, and nonperforming loans to total loans was 0.15%, also an improvement of four basis points from the prior quarter.
• Hanmi returned 58% of second-quarter net earnings to shareholders in the form of $8.3 million in dividends and $5.2 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets at 10.03%.⁽¹⁾
  
  

⁽¹⁾ Refer to “Non-GAAP Financial Measures” for further details.

For more information about Hanmi, please see the Q2 2026 Investor Update (and Supplemental Financial Information), which is available on the Bank’s website at www.hanmi.com and via a current report on Form 8-K on the website of the Securities and Exchange Commission at www.sec.gov. Also, please refer to “Non-GAAP Financial Measures” herein for further details of the presentation of certain non-GAAP financial measures.

Quarterly Highlights
(Dollars in thousands, except per share data)

	As of or for the Three Months Ended																				Amount Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Net income	$	23,505			$	22,557			$	21,239			$	22,061			$	15,117			$	948			$	8,388
Net income per diluted common share	$	0.79			$	0.75			$	0.70			$	0.73			$	0.50			$	0.04			$	0.29
Assets	$	8,001,473			$	7,839,227			$	7,869,185			$	7,856,731			$	7,862,363			$	162,246			$	139,110
Loans	$	6,535,312			$	6,545,466			$	6,563,367			$	6,528,259			$	6,305,957			$	(10,154	)		$	229,355
Deposits	$	6,955,342			$	6,800,622			$	6,677,650			$	6,766,639			$	6,729,122			$	154,720			$	226,220
Return on average assets		1.20	%			1.18	%			1.07	%			1.12	%			0.79	%			0.02				0.41
Return on average stockholders’ equity		11.09	%			10.86	%			10.14	%			10.69	%			7.48	%			0.23				3.61
Net interest margin		3.36	%			3.38	%			3.28	%			3.22	%			3.07	%			-0.02				0.29
Efficiency ratio(1)		54.07	%			53.48	%			54.95	%			52.65	%			55.74	%			0.59				-1.67
Tangible common equity to tangible assets(2)		10.03	%			10.11	%			9.99	%			9.80	%			9.58	%			-0.08				0.45
Tangible common equity per common share(2)	$	27.04			$	26.56			$	26.27			$	25.64			$	24.91				0.48				2.13
(1 )Noninterest expense divided by net interest income plus noninterest income.
(2) Refer to “Non-GAAP Financial Measures” for further details.

Results of Operations
Net interest income increased $0.7 million, or 1.0%, to $63.9 million for the second quarter of 2026, from $63.2 million for the first quarter. This increase was principally due to higher interest income on loans, which increased by $0.9 million from the first quarter, as well as a $0.8 million increase in interest income from securities and interest-bearing deposits in other institutions. Interest expense on deposits, however, increased by $1.0 million from the first quarter.

Net interest margin (taxable equivalent) declined by two basis points to 3.36%, from 3.38% for the first quarter of 2026. This decline was driven by lower contributions from loans and FHLB stock, with unfavorable impacts of five basis points and three basis points, respectively, compared to the first quarter. Partially offsetting the decline were higher contributions from borrowings and interest-bearing deposits, with favorable impacts of three basis points each.

While the average yield on loans for the second quarter remained unchanged at 5.90%, the average balance of loans for the second quarter was $6.44 billion, up 0.1% from the previous quarter. The cost of interest-bearing deposits for the second quarter was 3.17%, down three basis points from the first quarter, and the average balance of interest-bearing deposits was $4.78 billion, up 2.7% from the previous quarter. The ratio of average loans to average deposits for the second quarter was 95.5%, compared with 97.5% for the previous quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
Net Interest Income	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Interest and fees on loans(1)	$	94,808			$	93,866			$	96,592			$	95,691			$	92,589				1.0	%			2.4	%
Interest on securities		6,337				5,959				6,323				6,592				6,261				6.3	%			1.2	%
Dividends on FHLB stock		219				831				361				357				354				-73.6	%			-38.1	%
Interest on deposits in other banks		1,958				1,496				1,837				2,586				2,129				30.9	%			-8.0	%
Total interest and dividend income	$	103,322			$	102,152			$	105,113			$	105,226			$	101,333				1.1	%			2.0	%
Interest on deposits		37,774				36,738				39,978				42,244				41,924				2.8	%			-9.9	%
Interest on borrowings		154				676				695				324				684				-77.2	%			-77.5	%
Interest on subordinated debentures		1,537				1,535				1,561				1,579				1,586				0.1	%			-3.1	%
Total interest expense		39,465				38,949				42,234				44,147				44,194				1.3	%			-10.7	%
Net interest income	$	63,857			$	63,203			$	62,879			$	61,079			$	57,139				1.0	%			11.8	%
(1)Includes loans held for sale.

	For the Three Months Ended (in thousands)																				Percentage Change
Average Earning Assets and Interest-bearing	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
Liabilities	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Loans(1)	$	6,441,853			$	6,434,316			$	6,456,239			$	6,304,435			$	6,257,741				0.1	%			2.9	%
Securities		950,786				921,065				955,811				985,888				993,975				3.2	%			-4.3	%
FHLB stock		16,385				16,385				16,385				16,385				16,385				0.0	%			0.0	%
Interest-bearing deposits in other banks		221,361				171,953				191,731				239,993				200,266				28.7	%			10.5	%
Average interest-earning assets	$	7,630,385			$	7,543,719			$	7,620,166			$	7,546,701			$	7,468,367				1.1	%			2.2	%
Demand: interest-bearing	$	81,682			$	74,963			$	77,297			$	86,839			$	81,308				9.0	%			0.5	%
Money market and savings		2,056,148				2,063,186				2,130,616				2,122,967				2,109,221				-0.3	%			-2.5	%
Time deposits		2,646,480				2,522,505				2,506,582				2,494,285				2,434,659				4.9	%			8.7	%
Average interest-bearing deposits		4,784,310				4,660,654				4,714,495				4,704,091				4,625,188				2.7	%			3.4	%
Borrowings		15,330				69,388				64,565				27,772				60,134				-77.9	%			-74.5	%
Subordinated debentures		130,695				130,541				130,385				130,766				130,880				0.1	%			-0.1	%
Average interest-bearing liabilities	$	4,930,335			$	4,860,583			$	4,909,445			$	4,862,629			$	4,816,202				1.4	%			2.4	%
Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	1,963,242			$	1,937,628			$	1,969,908			$	1,960,331			$	1,934,985				1.3	%			1.5	%
(1)Includes loans held for sale.

	For the Three Months Ended																				Yield/Rate Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
Average Yields and Rates	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Loans(1)		5.90	%			5.90	%			5.94	%			6.03	%			5.93	%			0.00				-0.03
Securities(2)		2.69	%			2.62	%			2.67	%			2.70	%			2.55	%			0.07				0.14
FHLB stock		5.36	%			20.56	%			8.75	%			8.65	%			8.65	%			-15.20				-3.29
Interest-bearing deposits in other banks		3.55	%			3.53	%			3.80	%			4.27	%			4.26	%			0.02				-0.71
Interest-earning assets		5.43	%			5.48	%			5.48	%			5.54	%			5.44	%			-0.05				-0.01
Interest-bearing deposits		3.17	%			3.20	%			3.36	%			3.56	%			3.64	%			-0.03				-0.47
Borrowings		4.06	%			3.94	%			4.27	%			4.63	%			4.58	%			0.12				-0.52
Subordinated debentures		4.70	%			4.70	%			4.79	%			4.83	%			4.84	%			0.00				-0.14
Interest-bearing liabilities		3.21	%			3.25	%			3.41	%			3.60	%			3.68	%			-0.04				-0.47
Net interest margin (taxable equivalent basis)		3.36	%			3.38	%			3.28	%			3.22	%			3.07	%			-0.02				0.29
Cost of deposits		2.25	%			2.26	%			2.37	%			2.51	%			2.56	%			-0.01				-0.31
(1)Includes loans held for sale.
(2)Amounts calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Credit loss expense for the second quarter of 2026 was $1.2 million, compared with $2.9 million for the first quarter. The $1.7 million decline was due to lower net charge-offs during the second quarter. Credit loss expense during the second quarter included a $1.3 million provision for loan losses and a negative provision of $0.1 million for off-balance sheet items. First-quarter credit loss expense included a $3.2 million provision for loan losses and a negative provision of $0.3 million for off-balance sheet items.

Noninterest income was $8.3 million, down 2.2% from $8.5 million for the first quarter of 2026, primarily due to a $0.8 million decrease in gain on sales of SBA loans. The gain was $1.3 million for the second quarter of 2026, compared with $2.1 million for the first quarter of 2026. The decrease in gain on sales of SBA loans was partially offset by a $0.4 million increase in trade finance and other service charges and fees and modest increases in the other noninterest income categories.

The volume of SBA loans sold for the second quarter of 2026 decreased to $20.9 million from $32.5 million for the first quarter, while trade premiums increased to 7.92% from 7.88% for the first quarter. Residential mortgage loans sold for the second quarter were $30.6 million with a premium of 2.00%, compared with $31.7 million and 2.50% for the first quarter. The gain on sales of residential mortgage loans was $0.4 million for the second quarter, compared with $0.5 million for the first quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
Noninterest Income	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Service charges on deposit accounts	$	2,102			$	2,127			$	2,196			$	2,160			$	2,169				-1.2	%			-3.1	%
Trade finance and other service charges and fees		1,902				1,501				1,735				1,551				1,461				26.7	%			30.2	%
Servicing income		955				870				924				924				754				9.8	%			26.7	%
Bank-owned life insurance income		799				610				315				1,259				708				31.0	%			12.9	%
All other operating income		915				844				758				973				819				8.4	%			11.7	%
Service charges, fees & other		6,673				5,952				5,928				6,867				5,911				12.1	%			12.9	%
Gain on sale of SBA loans		1,318				2,102				1,790				1,857				2,160				-37.3	%			-39.0	%
Gain on sale of residential mortgage loans		357				485				581				1,156				—				-26.4	%			—
Total noninterest income	$	8,348			$	8,539			$	8,299			$	9,880			$	8,071				-2.2	%			3.4	%

Noninterest expense was $39.0 million for the second quarter of 2026, up 1.7% from $38.4 million for the first quarter, primarily due to a $0.8 million increase in salaries and employee benefits and a $0.4 million increase in other real estate owned (OREO) expense. Salaries and employee benefits increased because of the additional business day in the second quarter and annual merit increases, while the increase in OREO expense reflected the absence of the first-quarter gain on sale of OREO. These increases were partially offset by a $0.8 million decrease in professional fees that were attendant to the first-quarter resolution of several administrative items. The efficiency ratio increased to 54.07% for the second quarter, compared with 53.48% for the previous quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Noninterest Expense
Salaries and employee benefits	$	22,784			$	21,956			$	22,472			$	22,163			$	22,069				3.8	%			3.2	%
Occupancy and equipment		4,383				4,414				4,339				4,507				4,344				-0.7	%			0.9	%
Data processing		4,555				4,386				4,098				3,860				3,727				3.9	%			22.2	%
Professional fees		1,997				2,780				2,343				1,978				1,725				-28.2	%			15.8	%
Supplies and communication		491				556				573				423				515				-11.7	%			-4.7	%
Advertising and promotion		679				688				1,010				712				798				-1.3	%			-14.9	%
All other operating expenses		4,103				3,849				3,795				3,665				3,567				6.6	%			15.0	%
Subtotal		38,992				38,629				38,630				37,308				36,745				0.9	%			6.1	%
Other real estate owned expense (income)		6				(345	)			474				17				(461	)			101.7	%			101.3	%
Repossessed personal property expense (income)		41				84				5				32				63				-51.2	%			-34.9	%
Total noninterest expense	$	39,039			$	38,368			$	39,109			$	37,357			$	36,347				1.7	%			7.4	%

The effective tax rate was 26.5% for the second quarter of 2026, compared with 26.0% for the first quarter of 2026.

Financial Position
Total assets at June 30, 2026 increased 2.1%, or $162.2 million, to $8.00 billion from $7.84 billion at March 31, 2026. This increase was due primarily to a $77.2 million increase in cash and due from banks, a $60.9 million increase in securities available for sale, and a $21.3 million increase in prepaid expenses and other assets. The increase in prepaid expenses and other assets was primarily due to estimated income tax payments made during the second quarter.

Total loans, excluding the allowance for credit losses and loans held for sale, were $6.54 billion at June 30, 2026, down 0.2% from $6.55 billion at March 31, 2026.

Loans held for sale were $17.0 million at June 30, 2026, up from $4.9 million at March 31, 2026. At the end of the second quarter, loans held for sale consisted of $12.0 million representing the guaranteed portion of SBA 7(a) loans and $5.0 million of residential mortgage loans.

	As of (in thousands)																				Percentage Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Loan Portfolio
Commercial real estate loans	$	4,022,320			$	3,998,144			$	4,030,105			$	4,015,291			$	3,948,922				0.6	%			1.9	%
Residential/consumer loans		978,881				1,002,223				1,049,872				1,043,577				993,869				-2.3	%			-1.5	%
Commercial and industrial loans		1,171,272				1,152,544				1,074,907				1,052,522				917,995				1.6	%			27.6	%
Equipment finance		362,839				392,555				408,483				416,869				445,171				-7.6	%			-18.5	%
Total loans held for investment		6,535,312				6,545,466				6,563,367				6,528,259				6,305,957				-0.2	%			3.6	%
Loans held for sale		16,969				4,932				7,403				6,512				49,611				244.1	%			-65.8	%
Total loans	$	6,552,281			$	6,550,398			$	6,570,770			$	6,534,771			$	6,355,568				0.0	%			3.1	%

	As of
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,
	2026				2026				2025				2025				2025
Composition of Loan Portfolio
Commercial real estate loans		61.4	%			61.0	%			61.3	%			61.4	%			62.2	%
Residential/consumer loans		14.9	%			15.3	%			16.0	%			16.0	%			15.6	%
Commercial and industrial loans		17.9	%			17.6	%			16.4	%			16.1	%			14.4	%
Equipment finance		5.5	%			6.0	%			6.2	%			6.4	%			7.0	%
Total loans held for investment		99.7	%			99.9	%			99.9	%			99.9	%			99.2	%
Loans held for sale		0.3	%			0.1	%			0.1	%			0.1	%			0.8	%
Total loans		100.0	%			100.0	%			100.0	%			100.0	%			100.0	%

New loan production was $371.9 million for the second quarter of 2026 at an average rate of 6.59%, while payoffs were $156.4 million at an average rate of 6.39%.

	For the Three months Ended (in thousands)
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,
	2026				2026				2025				2025				2025
New Loan Production
Commercial real estate loans	$	170,080			$	131,426			$	125,866			$	176,826			$	111,993
Residential/consumer loans		50,010				29,074				70,268				103,247				83,761
Commercial and industrial loans		89,227				134,717				82,079				211,454				53,444
SBA loans		37,109				40,652				44,065				44,931				46,829
Equipment finance		25,450				42,051				52,521				34,315				33,567
Subtotal		371,876				377,920				374,799				570,773				329,594
Payoffs		(156,407	)			(198,936	)			(123,086	)			(142,963	)			(119,139	)
Amortization		(121,208	)			(133,396	)			(133,992	)			(60,939	)			(151,357	)
Loan sales		(54,761	)			(64,690	)			(63,642	)			(100,452	)			(35,388	)
Net line utilization		(47,762	)			4,373				(16,072	)			(39,497	)			12,435
Charge-offs & OREO		(1,892	)			(3,172	)			(2,899	)			(4,620	)			(12,377	)
Loans held for investment-beginning balance		6,545,466				6,563,367				6,528,259				6,305,957				6,282,189
Loans held for investment-ending balance	$	6,535,312			$	6,545,466			$	6,563,367			$	6,528,259			$	6,305,957

Deposits were $6.96 billion at the end of the second quarter of 2026, up $154.7 million, or 2.3%, from $6.80 billion at the end of the prior quarter. Driving the increase was a $104.7 million increase in noninterest-bearing deposits and a $54.4 million increase in time deposits over $250,000. Noninterest-bearing demand deposits represented 30.7% of total deposits at June 30, 2026 and the loan-to-deposit ratio was 94.0%.

	As of (in thousands)																				Percentage Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Deposit Portfolio
Demand: noninterest-bearing	$	2,135,418			$	2,030,743			$	2,015,212			$	2,087,132			$	2,105,369				5.2	%			1.4	%
Demand: interest-bearing		80,783				78,341				74,799				86,834				90,172				3.1	%			-10.4	%
Money market and savings		2,084,572				2,116,073				2,084,218				2,094,028				2,092,847				-1.5	%			-0.4	%
Time deposits $250,000 and less		1,314,544				1,318,250				1,277,382				1,235,755				1,198,472				-0.3	%			9.7	%
Core deposits		5,615,317				5,543,407				5,451,611				5,503,749				5,486,860				1.3	%			2.3	%
Time deposits over $250,000		1,073,083				1,018,712				987,536				1,024,378				1,006,750				5.3	%			6.6	%
State of California time deposits		180,000				150,000				150,000				150,000				150,000				20.0	%			20.0	%
Brokered time deposits		86,942				88,503				88,503				88,512				85,512				-1.8	%			1.7	%
Total deposits	$	6,955,342			$	6,800,622			$	6,677,650			$	6,766,639			$	6,729,122				2.3	%			3.4	%

	As of
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,
	2026				2026				2025				2025				2025
Composition of Deposit Portfolio
Demand: noninterest-bearing		30.7	%			29.9	%			30.2	%			30.8	%			31.3	%
Demand: interest-bearing		1.2	%			1.1	%			1.1	%			1.3	%			1.3	%
Money market and savings		29.9	%			31.1	%			31.2	%			31.0	%			31.1	%
Time deposits $250,000 and less		18.9	%			19.4	%			19.1	%			18.3	%			17.8	%
Core deposits		80.7	%			81.5	%			81.6	%			81.4	%			81.5	%
Time deposits over $250,000		15.4	%			15.0	%			14.9	%			15.1	%			15.0	%
State of California time deposits		2.6	%			2.2	%			2.2	%			2.2	%			2.2	%
Brokered time deposits		1.3	%			1.3	%			1.3	%			1.3	%			1.3	%
Total deposits		100.0	%			100.0	%			100.0	%			100.0	%			100.0	%

Stockholders’ equity at June 30, 2026 was $812.7 million, up $9.9 million, or 1.2%, from $802.8 million at March 31, 2026. Offsetting the increase to stockholders’ equity from second quarter net income of $23.5 million were dividends of $8.3 million, share repurchases of $5.2 million, which included $0.4 million in purchases of vested employee stock in respect of Hanmi's equity compensation programs, and a $1.0 million increase in unrealized after-tax losses on securities available for sale. During the second quarter, under its share repurchase program, Hanmi repurchased 160,000 shares of common stock at an average price of $30.24. As of June 30, 2026, there were 1.99 million shares available under the share repurchase program. In addition to the share repurchase program, Hanmi purchased 15,134 shares of common stock surrendered by employees to satisfy their tax liabilities upon the second-quarter vesting of their equity compensation awards.

Tangible common equity per share at the end of the second quarter of 2026 was $27.04, up 1.8% from $26.56 at the end of the first quarter. Please refer to the Non-GAAP Financial Measures section below for more information.

Hanmi and the Bank exceeded minimum regulatory capital requirements, and the Bank continued to exceed the minimum for the “well capitalized” category.

	As of																				Ratio Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Regulatory Capital ratios(1)
Hanmi Financial
Total risk-based capital		15.29	%			15.22	%			15.06	%			15.05	%			15.20	%			0.07				0.09
Tier 1 risk-based capital		12.61	%			12.52	%			12.37	%			12.33	%			12.46	%			0.09				0.15
Common equity tier 1 capital		12.28	%			12.20	%			12.05	%			12.00	%			12.12	%			0.08				0.16
Tier 1 leverage capital ratio		10.94	%			10.93	%			10.70	%			10.64	%			10.63	%			0.01				0.31
Hanmi Bank
Total risk-based capital		14.48	%			14.45	%			14.25	%			14.28	%			14.39	%			0.03				0.09
Tier 1 risk-based capital		13.40	%			13.37	%			13.17	%			13.20	%			13.32	%			0.03				0.08
Common equity tier 1 capital		13.40	%			13.37	%			13.17	%			13.20	%			13.32	%			0.03				0.08
Tier 1 leverage capital ratio		11.71	%			11.74	%			11.47	%			11.46	%			11.43	%			-0.03				0.28
(1) Preliminary ratios for June 30, 2026

Asset Quality 

	As of or for the Three Months Ended (in thousands)																				Amount Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Nonperforming Loans and Assets
Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	32,773			$	13,274			$	17,610			$	11,560			$	10,953			$	19,499			$	21,820
Nonperforming assets:
Nonaccrual loans	$	9,931			$	12,420			$	18,112			$	19,369			$	25,967			$	(2,489	)		$	(16,036	)
Loans 90 days or more past due and still accruing		—				—				—				—				—				—				—
Nonperforming loans		9,931				12,420				18,112				19,369				25,967				(2,489	)			(16,036	)
Other real estate owned, net		—				—				1,980				1,995				—				—				—
Nonperforming assets(1)	$	9,931			$	12,420			$	20,092			$	21,364			$	25,967			$	(2,489	)		$	(16,036	)
Delinquent loans to total loans		0.50	%			0.20	%			0.27	%			0.18	%			0.17	%			0.30				0.33
Nonperforming loans to total loans		0.15	%			0.19	%			0.28	%			0.30	%			0.41	%			-0.04				-0.26
Nonperforming assets to total assets		0.12	%			0.16	%			0.26	%			0.27	%			0.33	%			-0.04				-0.21
(1)Excludes repossessed personal property of $0.3 million, $0.3 million, $0.6 million, $0.4 million, and $0.6 million as of Q2-26, Q1-26, Q4-25, Q3-25, and Q2-25, respectively.

Loans 30 to 89 days past due and still accruing were $32.8 million, or 0.50% of loans, at the end of the second quarter of 2026, compared with $13.3 million, or 0.20% of loans, at the end of the first quarter of 2026. The $19.5 million increase was primarily due to a $21.2 million commercial real estate loan, identified as special mention in the first quarter, that became delinquent during the second quarter.

Nonaccrual loans were $9.9 million, or 0.15% of loans, at June 30, 2026, compared with $12.4 million, or 0.19% of loans, at March 31, 2026. The decrease for the second quarter reflects the sale of a $3.2 million commercial real estate loan on nonaccrual status and $1.6 million of equipment finance agreement charge-offs, partially offset by $2.9 million of new nonaccrual loans and equipment finance agreements.

Nonperforming assets were $9.9 million, or 0.12% of total assets, at June 30, 2026, compared with $12.4 million, or 0.16% of total assets, at March 31, 2026. The decline reflects the changes described in the above paragraph.

	As of (in thousands)																				Amount Change
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Criticized Loans
Special mention	$	68,198			$	93,682			$	71,113			$	16,775			$	12,700			$	(25,484	)		$	55,498
Classified		45,748				22,736				25,891				28,590				33,857				23,012				11,891
Total criticized loans(1)	$	113,946			$	116,418			$	97,004			$	45,365			$	46,557			$	(2,472	)		$	67,389
Criticized loans to total loans		1.74	%			1.78	%			1.48	%			0.69	%			0.74	%			-0.04				1.00
(1)Includes nonaccrual loans of $9.9 million, $12.4 million, $18.1 million, $19.4 million, and $24.1 million as of Q2-26, Q1-26, Q4-25, Q3-25, and Q2-25, respectively.

Criticized loans were $113.9 million for the second quarter of 2026, compared with $116.4 million for the first quarter of 2026. This $2.5 million decrease in criticized loans included a $25.5 million decrease for special mention loans, partially offset by a $23.0 million increase for classified loans. Both the special mention decrease and classified increase were primarily due to the downgrade of three special mention loans totaling $23.6 million to the classified category, which included the previously mentioned $21.2 million commercial real estate loan.

There were no transfers of criticized loans into other-real-estate-owned during the second quarter of 2026. As a percent of total loans, criticized loans were 1.74% as of June 30, 2026, compared with 1.78% as of March 31, 2026.

	As of or for the Three Months Ended (in thousands)
	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,
	2026				2026				2025				2025				2025
Allowance for credit losses related to loans:
Balance at beginning of period	$	70,468			$	69,903			$	69,781			$	66,756			$	70,597
Credit loss expense (recovery) on loans		1,271				3,163				1,701				2,543				7,523
Net loan (charge-offs) recoveries		(1,264	)			(2,598	)			(1,579	)			482				(11,364	)
Balance at end of period	$	70,475			$	70,468			$	69,903			$	69,781			$	66,756
Net loan charge-offs (recoveries) to average loans(1)		0.08	%			0.16	%			0.10	%			-0.03	%			0.73	%
Allowance for credit losses to loans		1.08	%			1.08	%			1.07	%			1.07	%			1.06	%
Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	2,078			$	2,349			$	2,107			$	2,506			$	2,399
Credit loss expense (recovery) on off-balance sheet items		(85	)			(271	)			242				(399	)			107
Balance at end of period	$	1,993			$	2,078			$	2,349			$	2,107			$	2,506
Unused commitments to extend credit	$	946,544			$	891,594			$	930,122			$	952,475			$	915,847
(1)Annualized

The allowance for credit losses was $70.5 million, or 1.08% of loans, at both June 30 and March 31, 2026. Collectively evaluated allowances increased $0.6 million, while specific allowances decreased $0.6 million.

Gross charge-offs for the second quarter of 2026 were $1.9 million, compared with $3.2 million for the preceding quarter. Charge-offs during the second quarter included $1.6 million of equipment financing agreements. Recoveries of previously charged off loans were $0.6 million, substantially all of which were equipment financing agreements. As a result, there were $1.3 million of net charge-offs for the second quarter of 2026, or 0.08% of loans (annualized), compared with $2.6 million, or 0.16% of loans, for the first quarter of 2026.

Corporate Developments
On April 23, 2026, Hanmi’s Board of Directors declared a cash dividend on its common stock of $0.28 per share for the 2026 second quarter. Hanmi paid the dividend on May 20, 2026, to stockholders of record as of the close of business on May 4, 2026.

Earnings Conference Call        
Hanmi Bank will host its second quarter 2026 earnings conference call today, July 21, 2026, at 2:00 p.m. PST (5:00 p.m. EST) to discuss these results. This call will also be webcast. To access the call, please dial 1-877-407-9039 before 2:00 p.m. PST, using access code Hanmi Bank. To listen to the call online, either live or archived, please visit Hanmi’s Investor Relations website at https://investors.hanmi.com/ where it will also be available for replay approximately one hour following the call.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches and eight loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

Forward-Looking Statements
This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statements. These factors include the following:

• 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;
• risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors;
• failure to maintain current technologies;
• risks associated with Small Business Administration loans;
• failure to attract, develop, or retain key employees;
• our ability to access cost-effective funding;
• the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy;
• the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty;
• 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;
• the inability of third-party service providers to perform their obligations to us; and
• the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2025, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Hanmi Financial Corporation and Subsidiaries
Consolidated Balance Sheets (Unaudited)
(Dollars in thousands)

	June 30,				March 31,				Percentage				June 30,				Percentage
	2026				2026				Change				2025				Change
Assets
Cash and due from banks	$	331,206			$	254,045				30.4	%		$	380,050				-12.9	%
Securities available for sale, at fair value		896,610				835,725				7.3	%			918,094				-2.3	%
Loans held for sale, at the lower of cost or fair value		16,969				4,932				244.1	%			49,611				-65.8	%
Loans, net of allowance for credit losses		6,464,837				6,474,998				-0.2	%			6,239,201				3.6	%
Accrued interest receivable		24,613				23,320				5.5	%			23,749				3.6	%
Premises and equipment, net		20,251				20,015				1.2	%			20,607				-1.7	%
Customers’ liability on acceptances		116				—				—				214				-45.8	%
Servicing assets		6,419				6,535				-1.8	%			6,420				0.0	%
Goodwill and other intangible assets, net		11,031				11,031				0.0	%			11,031				0.0	%
Federal Home Loan Bank (“FHLB”) stock, at cost		16,385				16,385				0.0	%			16,385				0.0	%
Bank-owned life insurance		56,048				56,534				-0.9	%			56,985				-1.6	%
Prepaid expenses and other assets		156,988				135,707				15.7	%			140,016				12.1	%
Total assets	$	8,001,473			$	7,839,227				2.1	%		$	7,862,363				1.8	%
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,135,418			$	2,030,743				5.2	%		$	2,105,369				1.4	%
Interest-bearing		4,819,924				4,769,879				1.0	%			4,623,753				4.2	%
Total deposits		6,955,342				6,800,622				2.3	%			6,729,122				3.4	%
Accrued interest payable		27,530				30,592				-10.0	%			30,567				-9.9	%
Bank's liability on acceptances		116				—				—				214				-45.8	%
Borrowings		—				—				0.0	%			127,500				-100.0	%
Subordinated debentures		130,773				130,618				0.1	%			130,960				-0.1	%
Accrued expenses and other liabilities		75,032				74,576				0.6	%			81,166				-7.6	%
Total liabilities		7,188,793				7,036,408				2.2	%			7,099,529				1.3	%
Stockholders’ equity:
Common stock		34				34				0.0	%			34				0.0	%
Additional paid-in capital		596,303				595,374				0.2	%			592,825				0.6	%
Accumulated other comprehensive (loss)		(46,552	)			(45,553	)			2.2	%			(54,511	)			-14.6	%
Retained earnings		423,499				408,327				3.7	%			367,251				15.3	%
Less treasury stock		(160,604	)			(155,363	)			3.4	%			(142,765	)			12.5	%
Total stockholders’ equity		812,680				802,819				1.2	%			762,834				6.5	%
Total liabilities and stockholders’ equity	$	8,001,473			$	7,839,227				2.1	%		$	7,862,363				1.8	%

Hanmi Financial Corporation and Subsidiaries 
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Three Months Ended
	June 30,				March 31,				Percentage				June 30,				Percentage
	2026				2026				Change				2025				Change
Interest and dividend income:
Interest and fees on loans	$	94,808			$	93,866				1.0	%		$	92,589				2.4	%
Interest on securities		6,337				5,959				6.3	%			6,261				1.2	%
Dividends on FHLB stock		219				831				-73.6	%			354				-38.1	%
Interest on deposits in other banks		1,958				1,496				30.9	%			2,129				-8.0	%
Total interest and dividend income		103,322				102,152				1.1	%			101,333				2.0	%
Interest expense:
Interest on deposits		37,774				36,738				2.8	%			41,924				-9.9	%
Interest on borrowings		154				676				-77.2	%			684				-77.5	%
Interest on subordinated debentures		1,537				1,535				0.1	%			1,586				-3.1	%
Total interest expense		39,465				38,949				1.3	%			44,194				-10.7	%
Net interest income before credit loss expense		63,857				63,203				1.0	%			57,139				11.8	%
Credit loss expense		1,186				2,892				-59.0	%			7,631				-84.5	%
Net interest income after credit loss expense		62,671				60,311				3.9	%			49,508				26.6	%
Noninterest income:
Service charges on deposit accounts		2,102				2,127				-1.2	%			2,169				-3.1	%
Trade finance and other service charges and fees		1,902				1,501				26.7	%			1,461				30.2	%
Gain on sale of Small Business Administration (“SBA”) loans		1,318				2,102				-37.3	%			2,160				-39.0	%
Gain on sale of residential mortgage loans		357				485				-26.4	%			—				—
Other operating income		2,669				2,324				14.8	%			2,281				17.0	%
Total noninterest income		8,348				8,539				-2.2	%			8,071				3.4	%
Noninterest expense:
Salaries and employee benefits		22,784				21,956				3.8	%			22,069				3.2	%
Occupancy and equipment		4,383				4,414				-0.7	%			4,344				0.9	%
Data processing		4,555				4,386				3.9	%			3,727				22.2	%
Professional fees		1,997				2,780				-28.2	%			1,725				15.8	%
Supplies and communications		491				556				-11.7	%			515				-4.7	%
Advertising and promotion		679				688				-1.3	%			798				-14.9	%
Other operating expenses		4,150				3,588				15.7	%			3,169				31.0	%
Total noninterest expense		39,039				38,368				1.7	%			36,347				7.4	%
Income before tax		31,980				30,482				4.9	%			21,232				50.6	%
Income tax expense		8,475				7,925				6.9	%			6,115				38.6	%
Net income	$	23,505			$	22,557				4.2	%		$	15,117				55.5	%
Basic earnings per share:	$	0.79			$	0.76							$	0.50
Diluted earnings per share:	$	0.79			$	0.75							$	0.50
Weighted-average shares outstanding:
Basic		29,514,712				29,629,130								29,948,836
Diluted		29,689,113				29,808,999								30,054,456
Common shares outstanding		29,650,306				29,806,694								30,176,568

Hanmi Financial Corporation and Subsidiaries 
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Six Months Ended
	June 30,				June 30,				Percentage
	2026				2025				Change
Interest and dividend income:
Interest and fees on loans receivable	$	188,674			$	183,476				2.8	%
Interest on securities		12,296				12,430				-1.1	%
Dividends on FHLB stock		1,050				714				47.1	%
Interest on deposits in other banks		3,454				3,969				-13.0	%
Total interest and dividend income		205,474				200,589				2.4	%
Interest expense:
Interest on deposits		74,512				82,483				-9.7	%
Interest on borrowings		830				2,708				-69.4	%
Interest on subordinated debentures		3,072				3,167				-3.0	%
Total interest expense		78,414				88,358				-11.3	%
Net interest income before credit loss expense		127,060				112,231				13.2	%
Credit loss expense		4,078				10,352				-60.6	%
Net interest income after credit loss expense		122,982				101,879				20.7	%
Noninterest income:
Service charges on deposit accounts		4,229				4,387				-3.6	%
Trade finance and other service charges and fees		3,403				2,858				19.1	%
Gain on sale of Small Business Administration (“SBA”) loans		3,421				4,161				-17.8	%
Gain on sale of residential mortgage loans		842				175				381.1	%
Other operating income		4,992				4,215				18.4	%
Total noninterest income		16,887				15,796				6.9	%
Noninterest expense:
Salaries and employee benefits		44,740				43,041				3.9	%
Occupancy and equipment		8,797				8,794				0.0	%
Data processing		8,941				7,514				19.0	%
Professional fees		4,777				3,194				49.6	%
Supplies and communications		1,047				1,031				1.6	%
Advertising and promotion		1,368				1,382				-1.0	%
Other operating expenses		7,737				6,374				21.4	%
Total noninterest expense		77,407				71,330				8.5	%
Income before tax		62,462				46,345				34.8	%
Income tax expense		16,400				13,556				21.0	%
Net income	$	46,062			$	32,789				40.5	%
Basic earnings per share:	$	1.54			$	1.09
Diluted earnings per share:	$	1.54			$	1.08
Weighted-average shares outstanding:
Basic		29,593,872				29,943,279
Diluted		29,770,045				30,048,704
Common shares outstanding		29,650,306				30,176,568

Hanmi Financial Corporation and Subsidiaries 
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Three Months Ended
	June 30, 2026											March 31, 2026											June 30, 2025
					Interest			Average								Interest			Average								Interest			Average
	Average				Income /			Yield /				Average				Income /			Yield /				Average				Income /			Yield /
	Balance				Expense			Rate				Balance				Expense			Rate				Balance				Expense			Rate
Assets
Interest-earning assets:
Loans:
Commercial real estate(1)	$	3,986,661			$	57,244			5.76	%		$	3,964,174			$	55,836			5.71	%		$	3,978,350			$	56,385			5.68	%
Residential mortgage(1)		1,001,859				13,511			5.39	%			1,035,929				14,035			5.42	%			990,135				13,254			5.37	%
Commercial and industrial(1)		1,065,744				17,467			6.57	%			1,024,117				16,970			6.72	%			818,498				15,206			7.45	%
Consumer		5,711				92			6.44	%			5,295				84			6.40	%			7,786				139			7.14	%
Equipment finance		381,878				6,494			6.80	%			404,801				6,941			6.86	%			462,972				7,605			6.57	%
Total loans(1)		6,441,853				94,808			5.90	%			6,434,316				93,866			5.90	%			6,257,741				92,589			5.93	%
Securities(2)		950,786				6,337			2.69	%			921,065				5,959			2.62	%			993,975				6,261			2.55	%
FHLB stock		16,385				219			5.36	%			16,385				831			20.56	%			16,385				354			8.65	%
Interest-bearing deposits in other banks		221,361				1,958			3.55	%			171,953				1,496			3.53	%			200,266				2,129			4.26	%
Total interest-earning assets		7,630,385				103,322			5.43	%			7,543,719				102,152			5.48	%			7,468,367				101,333			5.44	%
Noninterest-earning assets:
Cash and due from banks		48,769											52,668											53,977
Allowance for credit losses		(70,249	)										(69,284	)										(70,222	)
Other assets		255,426											247,771											250,241
Total assets	$	7,864,331										$	7,774,874										$	7,702,363
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	81,682			$	33			0.16	%		$	74,963			$	27			0.15	%		$	81,308			$	29			0.15	%
Money market and savings		2,056,148				13,540			2.64	%			2,063,186				13,082			2.57	%			2,109,221				17,342			3.30	%
Time deposits		2,646,480				24,201			3.67	%			2,522,505				23,629			3.80	%			2,434,659				24,553			4.05	%
Total interest-bearing deposits		4,784,310				37,774			3.17	%			4,660,654				36,738			3.20	%			4,625,188				41,924			3.64	%
Borrowings		15,330				154			4.06	%			69,388				675			3.94	%			60,134				684			4.58	%
Subordinated debentures		130,695				1,537			4.70	%			130,541				1,536			4.70	%			130,880				1,586			4.84	%
Total interest-bearing liabilities		4,930,335				39,465			3.21	%			4,860,583				38,949			3.25	%			4,816,202				44,194			3.68	%
Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,963,242											1,937,628											1,934,985
Other liabilities		120,896											134,153											140,053
Stockholders’ equity		849,858											842,510											811,123
Total liabilities and stockholders’ equity	$	7,864,331										$	7,774,874										$	7,702,363
Net interest income					$	63,857										$	63,203										$	57,139
Cost of deposits									2.25	%										2.26	%										2.56	%
Net interest spread (taxable equivalent basis)									2.22	%										2.23	%										1.76	%
Net interest margin (taxable equivalent basis)									3.36	%										3.38	%										3.07	%
(1)Includes average loans held for sale
(2)Yields calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Hanmi Financial Corporation and Subsidiaries 
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Six Months Ended
	June 30, 2026											June 30, 2025
					Interest			Average								Interest			Average
	Average				Income /			Yield /				Average				Income /			Yield /
	Balance				Expense			Rate				Balance				Expense			Rate
Assets
Interest-earning assets:
Loans:
Commercial real estate(1)	$	3,975,480			$	113,080			5.74	%		$	3,958,335			$	111,248			5.67	%
Residential mortgage(1)		1,018,800				27,547			5.41	%			975,579				26,004			5.38	%
Commercial and industrial(1)		1,045,045				34,437			6.65	%			808,069				30,458			7.60	%
Consumer		5,504				175			6.42	%			7,343				257			7.08	%
Equipment finance		393,276				13,435			6.83	%			474,499				15,509			6.54	%
Loans receivable(1)		6,438,105				188,674			5.90	%			6,223,825				183,476			5.94	%
Securities(2)		936,007				12,296			2.66	%			997,716				12,430			2.52	%
FHLB stock		16,385				1,050			12.92	%			16,385				714			8.79	%
Interest-bearing deposits in other banks		196,794				3,454			3.54	%			188,214				3,969			4.25	%
Total interest-earning assets		7,587,291				205,474			5.45	%			7,426,140				200,589			5.44	%
Noninterest-earning assets:
Cash and due from banks		50,707											53,824
Allowance for credit losses		(69,769	)										(69,936	)
Other assets		251,621											249,697
Total assets	$	7,819,850										$	7,659,725
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	78,341			$	61			0.16	%		$	80,344			$	56			0.14	%
Money market and savings		2,059,647				26,622			2.61	%			2,073,421				33,779			3.29	%
Time deposits		2,584,835				47,829			3.73	%			2,390,249				48,648			4.10	%
Total interest-bearing deposits		4,722,823				74,512			3.18	%			4,544,014				82,483			3.66	%
Borrowings		42,210				830			3.96	%			119,460				2,708			4.57	%
Subordinated debentures		130,619				3,072			4.70	%			130,799				3,167			4.84	%
Total interest-bearing liabilities		4,895,652				78,414			3.23	%			4,794,273				88,358			3.72	%
Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,950,506											1,915,577
Other liabilities		127,488											142,341
Stockholders’ equity		846,204											807,534
Total liabilities and stockholders’ equity	$	7,819,850										$	7,659,725
Net interest income					$	127,060										$	112,231
Cost of deposits									2.25	%										2.58	%
Net interest spread (taxable equivalent basis)									2.22	%										1.73	%
Net interest margin (taxable equivalent basis)									3.37	%										3.05	%
(1)Includes average loans held for sale
(2)Yields calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Non-GAAP Financial Measures 

These disclosures should not be viewed as a substitute for results determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP performance measures that may be presented by other companies.

Tangible Common Equity to Tangible Assets Ratio

Tangible common equity to tangible assets ratio is supplemental financial information determined by a method other than in accordance with U.S. generally accepted accounting principles (“GAAP”). This non-GAAP measure is used by management in the analysis of Hanmi’s capital strength. Tangible common equity is calculated by subtracting goodwill and other intangible assets from stockholders’ equity. Banking and financial institution regulators also exclude goodwill and other intangible assets from stockholders’ equity when assessing the capital adequacy of a financial institution. Management believes the presentation of this financial measure excluding the impact of these items provides useful supplemental information that is essential to a proper understanding of the capital strength of Hanmi.

The following table reconciles this non-GAAP performance measure to the GAAP performance measure for the periods indicated:

Tangible Common Equity to Tangible Assets Ratio (Unaudited)
(In thousands, except share, per share data and ratios)

	June 30,				March 31,				December 31,				September 30,				June 30,
Hanmi Financial Corporation and Subsidiaries	2026				2026				2025				2025				2025
Assets	$	8,001,473			$	7,839,227			$	7,869,185			$	7,856,731			$	7,862,363
Less goodwill and other intangible assets		(11,031	)			(11,031	)			(11,031	)			(11,031	)			(11,031	)
Tangible assets	$	7,990,442			$	7,828,196			$	7,858,154			$	7,845,700			$	7,851,332
Stockholders’ equity(1)	$	812,680			$	802,819			$	796,386			$	779,550			$	762,834
Less goodwill and other intangible assets		(11,031	)			(11,031	)			(11,031	)			(11,031	)			(11,031	)
Tangible stockholders’ equity(1)	$	801,649			$	791,788			$	785,355			$	768,519			$	751,803
Stockholders’ equity to assets		10.16	%			10.24	%			10.12	%			9.92	%			9.70	%
Tangible common equity to tangible assets(1)		10.03	%			10.11	%			9.99	%			9.80	%			9.58	%
Common shares outstanding		29,650,306				29,806,694				29,894,757				29,975,371				30,176,568
Tangible common equity per common share	$	27.04			$	26.56			$	26.27			$	25.64			$	24.91
(1)There were no preferred shares outstanding at the periods indicated.

Preprovision Net Revenues

Preprovision net revenues is supplemental financial information determined by a method other than in accordance with U.S. GAAP. This non-GAAP measure is used by management to measure Hanmi’s core operational performance, excluding the impact of provisions for loan losses. By isolating preprovision net revenues, management can better understand the Company’s true profitability and make more informed strategic decisions. Preprovision net revenues is calculated adding income tax expense and credit loss expense to net income. Management believes this financial measure highlights the Company’s revenue activities and operational efficiency, excluding unpredictable loan loss provisions.

The following table details the Company’s preprovision net revenues, which are non-GAAP measures, for the periods indicated:

Preprovision Net Revenues (Unaudited)
(In thousands, except percentages)

																					Percentage Change
Hanmi Financial Corporation and	Jun 30,				Mar 31,				Dec 31,				Sep 30,				Jun 30,				Q2-26				Q2-26
Subsidiaries	2026				2026				2025				2025				2025				vs. Q1-26				vs. Q2-25
Net income	$	23,505			$	22,557			$	21,239			$	22,061			$	15,117
Add back:
Credit loss expense		1,186				2,892				1,943				2,145				7,631
Income tax expense		8,475				7,925				8,887				9,396				6,115
Preprovision net revenue	$	33,166			$	33,374			$	32,069			$	33,602			$	28,863				-0.6	%			14.9	%

Exhibit 99.2

California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington 2 Q 2 6 Ear ning s Su p p l e m e n t a l P r e s e nt a t io n July 21, 2026 NASDAQ | HAFC

2 TABLE OF CONTENTS 2Q26 PERFORMANCE RESULTS LOAN PORTFOLIO DETAILS 2Q26 FINANCIAL SUMMARY NON - GAAP RECONCILIATION 5 – 21 22 – 30 31 32 – 34

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, risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third - party service providers and vendors, the failure to maintain current technologies, risks associated with Small Business Administration loans, failure to attract, develop, or retain key employees, our ability to access cost - effective funding, the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy, the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty, 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, the inability of third - party service providers to perform their obligations to us, and the ability of the Company to withstand disruptions that may be caused by ay failure of the operational systems of third parties . 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 July 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 . 3 FORWARD - LOOKING STATEMENTS

4 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 .

5 Net Income $23.5M Diluted EPS $0.79 ROAA 1.20% ROAE 11.09% NIM 3.36% Efficiency Ratio 54.07% Earnings Performance • Net income was $23.5 million, or $0.79 per diluted share, up 4.2% from the first quarter, driven by continued growth in net interest income and lower credit loss expense. Return on average assets and return on average equity during the quarter were healthy at 1.20% and 11.09%, respectively. • Net interest income increased 1.0% from the prior quarter, driven by higher earning asset yields from the growth in commercial real estate and commercial and industrial lending. The increase was further supported by an improved funding mix, including lower - cost interest - bearing deposits and reduced borrowings. Deposits and Loans • Deposits increased 2.3% to $7.0 billion from the prior quarter and noninterest - bearing demand deposits increased to 31% of total deposits, from 30% for the prior quarter. • New loan production was $371.9 million for the second quarter of 2026 at an average rate of 6.59%, while payoffs were $156.4 million at an average rate of 6.39%. Asset Quality and Capital • Asset quality remained strong as nonperforming assets to total assets was 0.12%, an improvement of four basis points from the prior quarter, and nonperforming loans to total loans was 0.15%, also an improvement of four basis points from the prior quarter. • Hanmi returned 58% of second - quarter net earnings to shareholders in the form of $8.3 million in dividends and $5.2 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets (1) at 10.03%. 2 Q 26 HIGHLIGHTS (1) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide.

LOAN PRODUCTION 6 Loan production of $371.9 million for the second quarter, which included Commercial Real Estate production of $170.1 million . (1) Weighted average interest rate is the stated loan interest rate weighted by the loan amount. (2) Production includes mortgage loan purchases of $10.3 million, $3.0 million, $3.4 million, and $12.3 million for 2Q25, 3Q25, 4Q25, and 2Q26, respectively. (3) $46.8 million, $44.9 million, $44.1 million, $40.7 million, and $37.1 million of SBA loan production includes $23.3 million, $20.6 million, $22.3 million, $23.9 million, and $20.2 million of loans secured by CRE and the remainder represents C&I loans for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. $170.1M Commercial real estate loan production $89.2M Commercial and industrial loan production $25.5M Equipment finance production $50.0M Residential mortgage production $37.1M SBA loan production 31% 34% 35% 46% 37% 6% $329.6 14% 26% 10% 16% 34% $570.8 8% 18% $374.8 12% 19% 14% 21% $377.9 11% 8% 11% 35% $371.9 10% 13% 7% 24% 7.10% 6.91% 6.90% 6.54% 6.59% 2Q26 SBA (3) 2Q25 CRE 3Q25 C&I 4Q25 Equipment Finance 1Q26 RRE (2) New Production and Weighted Average Interest Rate (1) ($ in millions)

CRE Owner Occupied 13% CRE Multifamily 7% CRE Construction 1% Equipment Finance 5% (2) (2,5) (1, 2) CRE Investor (1, 2) (non - owner) 41% RRE (3) 15% C&I (1,6) 18% $6.54 Billion Loan Portfolio (as of June 30, 2026) LOAN PORTFOLIO 7 Note: Numbers may not add due to rounding. (1) Includes syndicated loans of $572.1 million in total commitments ($474.6 million disbursed) across C&I ($471.3 million committed and $389.0 million disbursed) and CRE ($100.8 million committed and $85.6 million disbursed) (2) 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 and occupies the property. 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. (3) 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 $0.8 million of HELOCs and $5.0 million in consumer loans. (4) Weighted average LTV and weighted average DCR calculated when the loan was first underwritten or renewed subsequently. (5) $84.0 million, or 18.3%, of the CRE multifamily loans are rent - controlled in New York City. (6) Includes $234.2 million of loans to nondepository financial institutions (NDFI), principally mortgage credit intermediaries. 2Q26 Average Yield Outstanding ($ in millions) 5.76% $4,022 Commercial Real Estate (CRE) (1,2) Portfolio 5.40% $979 Residential Real Estate (RRE) (3) Portfolio 6.57% $1,171 Commercial & Industrial (C&I) (1,6) Portfolio 6.80% $363 Equipment Finance Portfolio Weighted Average Debt Coverage Ratio (4) Weighted Average Loan - to - Value Ratio (4) # of Loans 2.05x 48.7% 834 CRE (2) Investor (non - owner) 2.68x 46.3% 734 CRE (2) Owner Occupied 1.73x 55.8% 159 CRE (2,5) Multifamily

3.17% 3.20% 3.36% 3.56% 3.64% $4,784 $4,661 $4,714 $4,704 $4,625 2Q26 1Q26 4Q25 3Q25 2Q25 Rate on Interest - Bearing Deposits Average Interest - bearing Deposits DEPOSIT PORTFOLIO Total deposits increased 2.3% to $6.96 billion , from the prior quarter. Noninterest - bearing demand deposits represented 30.7% of total deposits at June 30, 2026. Estimated uninsured deposit liabilities were 43.4% of the deposits. Brokered deposits were low at 1.3% of the deposits. Note: Numbers may not add due to rounding. Deposits 8 ($ in millions) ($ in millions) 1% 1% 1% 31% 31% 30% 1% 1% 31% 31% 1% 1% 1% 20% 1% 19% 1% 15% 15% 15% 20% 19% 19% 15% 15% 2% 2% 2% 2% 3% $6,729 $6,767 $6,678 $6,801 $6,955 31% 30% 30% 31% 31% 2Q26 1Q26 4Q25 3Q25 2Q25 State of California time deposits Time <= $250K Money Market & Savings Demand Noninterest - bearing Time > $250K Brokered time deposits Demand Interest - bearing

9 $57.1 $61.1 $62.9 $63.2 $63.9 3.07% 3.22% 3.28% 3.38% (3) 3.36% 2Q25 3Q25 4Q25 Net Interest Income 1Q26 2Q26 NIM NET INTEREST INCOME | NET INTEREST MARGIN ($ in millions) 3.36% 3.38 % (3 ) 0.06% - 0.05% - 0.03% 1Q26 Loans IB - deposits Borrowings/ Debt 2Q26 Increase Decrease Net interest income for the second quarter was $ 63 . 9 million and net interest margin (taxable equivalent) was 3 . 36 % . Net Interest Margin (1) Includes a $0.6 million interest recovery from a previously charged - off loan; represents approximately 3 bps of net interest margin (2) 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 (3) Includes a $0.5 million special FHLB dividend; represents approximately 2 bps of net interest margin (1) (1) (2) (2) (3)

10 6.00% 6.04% 5.95% 5.90% 5.93% 5.99% 5.95% 6.05% 5.89% 5.91% 5.93% 3.83% 3.67% 3.60% 3.58% 3.50% 3.27% 3.18% 3.17% 5.50% 4.50% 4.28% 4.29% 4.22% 4.50% 4.25% 3.75% 3.75% Jun - 24 Aug - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Aug - 25 Sep - 25 Dec - 25 Mar - 26 Jun - 26 NET INTEREST INCOME SENSITIVITY $983.5 $839.8 $313.3 $456.6 $735.8 $893.5 $297.3 $16.0 $454.8 $1.8 $104.0 $90.0 2Q27 1Q27 Retail 4Q26 Wholesale 3Q26 3.70% 3.68% 3.59% 3.61% 4.50% 4.25% 3.75% 3.75% 3.75% 4.05% 3.97% 3.93% 3.80% 3.67% 2Q25 3Q25 4Q25 Deposits – CD Maturities 㸦 $ in millions 㸧 1Q26 2Q26 Fed Funds Rate (3) Rate on CDs (4) Numbers may not add due to rounding. (1) Yield for loans and rate on interest - bearing deposits represent monthly average yield and rate, respectively. Fed funds rate represents the upper target 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 June 2026, when the fed funds rate was 3.75%. (2) Average rates on CDs and interest bearing - deposits for the month of June 2026 were 3.64% and 3.17%, respectively. (3) Fed funds rate represents the upper - target rate at the end of the quarter. (4) Represent weighted average contractual rates. Fed Funds Rate Yield for Loans Rate on Interest - bearing deposits Loan & Deposit Beta (1) Fed Funds Rate & Rate on CDs Rate on CDs (2) Time Horizon: Change in the Fed Funds Rate: Deposit Beta: Aug 24 – Aug 25 - 100 bps 71% Aug 25 – Jun 26 - 75 bps 55%

11 $2.1 31% $1.9 28% $1.0 15% $0.8 12% $0.9 14% Service charges on deposit accounts Trade finance, other service charges, and fees Servicing income Bank - owned life insurance All other operating income NONINTEREST INCOME $46.8 $44.9 $44.1 $40.7 $37.1 $35.4 $32.6 $29.9 $32.5 $20.9 7.61% 6.95% 7.40% 7.88% 7.92% 2Q25 3Q25 4Q25 SBA Loan Sales SBA Production 1Q26 2Q26 SBA Trade Premium $6.8 $5.9 $6.7 $2.2 $1.9 $1.8 $2.1 $1.3 $1.2 $0.6 $0.5 $0.3 $8.1 Noninterest Income 㸦 $ in millions 㸧 $9.9 $8.3 $8.5 $8.3 2Q25 3Q25 Service charges, fees & other 4Q25 Gain on sale of SBA loans $5.9 (1) Numbers may not add due to rounding. (1) Includes $0.4 million, $0.9 million, $0.3 million, and $0.5 million in BOLI death benefits for 2Q25, 3Q25, 1Q26, and 2Q26, respectively. (2) 4Q25, 1Q26, and 2Q26 each had one mortgage loan sale transaction. 2Q25 and 3Q25 had zero and two transactions, respectively. Noninterest income for the second quarter was $8.3 million , down 2.2% from the first quarter, primarily due to a $0.8 million decrease in gain on sale of SBA loans. 2Q26 Service Charges, Fees & Other 㸦 $ in millions 㸧 SBA 7(a) Loan Production and Sales 㸦 $ in millions 㸧 (1) 1Q26 2Q26 Gain of sale of mortgage loans (2) $5.9 (1) (1)

NONINTEREST EXPENSE 12 (1) Includes a $0.6 million and $0.8 million gain from the sale of OREO properties in 2Q25 and 1Q26, respectively. Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quarter and annual merit increases. 1.89% 1.90% 1.98% 2.00% 1.99% Noninterest expense / Average assets (annualized) $39.0 $5.2 $2.0 $4.6 $4.4 1) $38.4 $4.8 ( $2.8 $4.4 $4.4 $39.1 $5.9 $2.3 $4.1 $4.3 $37.4 $4.8 $2.0 $3.9 $4.5 $36.3 $4.5 (1) $1.7 $3.7 $4.3 $22.8 $22.0 $22.5 $22.2 $22.1 ($ in millions)

13 $4.1 $12.4 $5.2 $28.7 $10.9 $3.5 $7.4 $11.6 $7.0 $4.6 $17.6 $13.3 $8.9 $4.4 $32.8 0.17% 0.18% 0.27% 0.20% 0.50% 1Q26 2Q26 All Other Delinquent Loans 2Q25 3Q25 4Q25 Equipment Finance Delinquent Loans Note: Numbers may not add due to rounding. ASSET QUALITY – DELINQUENT & CRITICIZED LOANS Delinquent loans / Total loans $22.7 $45.7 $68.2 $97.0 $116.4 $113.9 0.74% 0.69% 1.48% 1.78% 1.74% Criticized loans / Total loans 2Q25 3Q25 Classified 4Q25 1Q26 Special Mention 2Q26 (1) Represents loans 30 to 89 days past due and still accruing. (2) Includes nonaccrual loans of $24.1 million, $19.4 million, $18.1 million, $12.4 million, and $9.9 million as of 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (3) Includes a CRE loan designated nonaccrual of $11.0 million, $10.6 million and $10.2 million for 2Q25 and 3Q25, and 4Q25, respectively. (4) Includes a C&I relationship in the retail industry of $12.2 million, $11.8 million, $11.6 million, $11.4 million, and $11.2 million for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (5) Includes a CRE loan of $55.0 million, $54.8 million, and $54.5 million in the hospitality industry for 4Q25, 1Q26, and 2Q26, respectively. (6) Includes a CRE loan in the retail industry of $21.2 million for both 1Q26 and 2Q26. (3) $45.4 $16.8 (4) $28.6 (3) $25.9 (3) $46.6 $12.7 (4) $33.9 (4,5) $71.1 The $ 19 . 5 million increase in delinquent loans in the second quarter was primarily driven by a $ 21 . 2 million commercial real estate retail loan . Delinquent Loans (1) 㸦 $ in millions 㸧 Criticized Loans (2) 㸦 $ in millions 㸧 (6) (4, 5, 6) $93.7 (4, 5) (6)

14 Nonperforming assets were $9.9 million at the end of the second quarter, down 20.2% from $12.4 million at the end of the first quarter. $26.0 $19.4 $18.1 $12.4 $2.0 $2.0 $26.0 $21.4 $20.1 $12.4 $9.9 $9.9 0.33% 0.27% 0.26% 0.16% 0.12% 2Q26 1Q26 OREO ASSET QUALITY – NONPERFORMING ASSETS & NONACCRUAL LOANS (1) Nonperforming assets exclude repossessed personal property of $0.6 million, $0.4 million, $0.6 million, $0.3 million, and $0.3 million for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (2) Specific allowance for credit losses for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26 was $4.1 million, $4.4 million, $3.4 million, $3.2 million, and $2.6 million, respectively. (3) Residential real estate includes consumer loans. (4) Represents a CRE loan with a balance of $10.2 million, $0.3 million, and $0.3 million at 4Q25, 1Q26, and 2Q26, respectively. 2Q25 3Q25 4Q25 Nonperforming loans Note: Numbers may not add due to rounding. $11.0 $26.0 $18.1 Equipment Finance All other CRE and C&I < $3M Residential Real Estate (3) All other CRE and C&I >= $3M (2) $19.4 (2) (2) (2) $9.9 $2.5 $3.2 $4.2 $12.4 (2) $3.2 $2.5 $2.0 $4.7 $10.2 (4) $1.7 $1.1 $5.1 $10.6 $1.7 $0.3 $6.8 $4.0 $4.0 $7.0 2Q26 1Q26 4Q25 3Q25 2Q25 Nonperforming Assets (1) 㸦 $ in millions 㸧 Nonperforming Nonaccrual Loans 㸦 $ in millions 㸧 assets / Total assets

15 $3.0 $2.4 $2.0 $3.0 $1.6 $0.2 $0.9 $0.2 $0.3 Gross Charge - offs 㸦 $ in millions 㸧 $12.4 $2.6 $2.9 $3.2 $1.9 $9.4 (2) 2Q25 3Q25 4Q25 Equipment Finance Charge - offs 1Q26 2Q26 All Other Loan Charge - offs ASSET QUALITY – GROSS & NET LOAN CHARGE - OFFS $2.3 $1.4 $2.4 $1.0 ($2.1) $0.2 $0.2 $0.3 $11.4 $1.6 $2.6 $1.3 $9.0 (2) ($0.5) $1.6 (1) 0.73% - 0.03% 0.10% 0.16% 0.08% 2Q25 3Q25 4Q25 Equipment Finance Net Charge - offs 1Q26 2Q26 All Other Net Charge - offs Note: Numbers may not add due to rounding. (1) Includes a $2.0 million recovery on a loan previously charged - off in 3Q25. (2) Includes an $8.6 million commercial real estate loan charge - off. Net charge - offs for the second quarter were $1.3 million , or 8 bps annualized. Net Charge - offs (Recoveries) 㸦 $ in millions 㸧 Net Charge - offs / Average loans

16 1.08% 1.08% 1.07% 1.06% 1.07% $70.5 $70.5 $69.9 $66.8 $69.8 2Q26 1Q26 4Q25 2Q25 3Q25 Allowance for credit losses ACL to Loans Credit Loss Expense 㸦 $ in millions 㸧 $7.6 $2.1 $1.9 $2.9 $1.2 2Q25 3Q25 4Q25 Credit loss expense 1Q26 2Q26 The allowance for credit losses was $70.5 million at June 30, 2026, or 1.08% of total loans, unchanged from the prior quarter. Allowance for Credit Losses 㸦 $ in millions 㸧 ACL TREND

17 ACL ANALYSIS BY LOAN TYPE Note: Numbers may not add due to rounding. Loans Allowance Loans Allowance Loans Allowance Loans Allowance Loans Allowance $ 3,948.9 $ 37.5 $ 4,015.3 $ 40.2 $ 4,030.1 $ 38.7 $ 3,998.1 $ 36.8 $ 4,022.3 $ 37.4 CRE 918.0 6.9 1,052.5 7.3 1,074.9 7.8 1,152.6 8.8 1,171.3 8.7 C&I 445.2 11.8 416.9 11.0 408.5 10.4 392.6 11.6 362.8 12.7 Equipment Finance 993.9 10.6 1,043.6 11.3 1,049.9 13.0 1,002.2 13.3 978.9 11.7 RRE & Consumer $ 6,306.0 $ 66.8 $ 6,528.3 $ 69.8 $ 6,563.4 $ 69.9 $ 6,545.5 $ 70.5 $ 6,535.3 $ 70.5 Total ($ in millions) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

18 15 Year 64% 20 Year 19% 30 Year (2) 17% SECURITIES PORTFOLIO $233 $303 $220 $138 $29 $29 $22 $15 $262 $332 $242 $153 2025 Actual 2028 2027 Interest US Agy 1% US Agy MBS - Residential 61% US Agy MBS - Commercial 18% US Agy CMO 9% Municipal 11% UST 22% US Agy 4% US Agy MBS - Residential 41% US Agy MBS - Commercial 8% Municipal US Agy CMO 8% 17% Available for Sale (1) $962 Million < 1 Year 21% 1 to 3 Year 25% 3 to 5 Years 33% > 5 Years 21% US Agy Residential MBS Maturity $387 Million Unrealized Loss $66 Million Securities Duration 3.5 Years (3) 2026 Principal Note: Numbers may not add due to rounding. (1) Based on the book value. (2) 98.0% constitutes CRA bonds. (3) 2026 year - to - date observed $158.9 million of principal paydown and $14.6 million of interest payments. The $962.3 million securities portfolio (all AFS, no HTM) represented 12% of assets at June 30, 2026, and had a weighted average modified duration of 3.5 years with $65.6 million in an unrealized loss position. Principal Paydowns (3) 㸦 $ in millions 㸧

19 LIQUIDITY 2Q25 3Q25 (1) Rate at June 30, 2026, based on 3 - month SOFR + 166 bps. (2) 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. 16.3% 15.1% 18.9% 15.6% 15.8% 15.4% 18.3% 15.2% 13.5% 15.2% 13.5% 15.1% 13.4% 17.2% 17.0% 1.3% 1.3% 1.3% 1.3% 1.2% 4Q25 1Q26 2Q26 Liquid Assets to Total Assets Liquid Assets to Total Liabilities Liquid Assets to Deposits Brokered Deposits to Deposits Liquidity Position 㸦 $ in millions 㸧 Cash & Securities at Company - only 㸦 $ in millions 㸧 Company - only Subordinated Debentures 㸦 $ in millions 㸧 Liquidity Ratios % of Assets Balance 4.2% 331 $ Cash & cash equivalents 10.7% 850 Securities (unpledged) 0.2% 17 Loans held for sale 15.1% 1,198 Liquid Assets 18.1% 1,441 FHLB available borrowing capacity 10.8% 858 FRB discount window borrowing capacity 1.8% 140 Federal funds lines (unsecured) available 30.7% 2,439 Secondary Liquidity Sources 45.7% 3,637 $ Bank Liquidity (Liquid Assets + Secondary Liquidity) Balance 8 $ Cash 46 Securities (AFS) 54 $ Amortized Rate Cost Par 5.33% 22 $ 27 $ 2036 Trust Preferred Securities 3.75% 109 110 2031 Subordinated Debt 131 $ 137 $ The Bank and the Company had ample liquidity resources at June 30, 2026. (1) (2)

20 42% 53% 36% 42% $15.1 $22.1 $21.2 $22.6 22% 26% 21% 33% 9% 13% 36% 38% 38% 37% 54% 2Q26 1Q26 4Q25 3Q25 2Q25 $23.5 9.58% 9.80% 9.99% 10.11% 10.03% Dividends Share Repurchases (2) Net Income - Retained (3) $27.04 $26.56 $26.27 $25.64 $24.91 2Q26 1Q26 4Q25 3Q25 2Q25 9.58% 10.27% 10.41% 9.80% 10.54% 9.99% 10.70% 10.11% 10.62% 10.03% TCE/TA (1) TCE/TA (w/o AFS AOCI) (1) (1) Non - GAAP financial measure, refer to the non - GAAP reconciliation slides. (2) Includes shares purchased to satisfy employees’ tax liabilities upon the vesting of stock - based compensation of $0.4 million, $1.1 million, and $0.4 million for 2Q25, 1Q26, and 2Q26, respectively. (3) “Net Income – Retained” is equal to net income minus dividend payout and share repurchases. CAPITAL MANAGEMENT TCE / TA (1) Due to prudent capital management, while driving shareholder return through stable quarterly dividends and the share repurchase program, tangible book value per share (TBVPS) (1) increased 1.8% to $27.04 at the end of the second quarter. TBVPS (1) & TCE/TA (1) Dividends, Share Repurchases & TCE/TA (1) 㸦 $ in millions 㸧

21 REGULATORY CAPITAL Minimum Requirement Company Capital Conservation Buffer Pro Forma (1) Bank Company 6.50% CET1 Capital 4.50% 2.50% 7.00% CET1 Capital 13.40% 12.28% 12.73% 11.61% 8.00% Tier 1 Capital 6.00% 2.50% 8.50% Tier 1 Capital 13.40% 12.61% 12.73% 11.94% 10.00% Total Capital 10.50% 8.00% 2.50% Total Capital 14.48% 15.29% 13.82% 14.62% Well Capitalized Bank Pro Forma (1) (1) Pro forma illustrates capital ratios with unrealized AFS securities losses at June 30, 2026. Non - GAAP financial measure; refer to the non - GAAP reconciliation slide. The Company exceeded regulatory minimums and the Bank remained well capitalized at June 30 , 2026 .

22 USKC ( 1 ) LOANS & DEPOSITS USKC portfolio represented $825.9 million , or 13% of the loan portfolio, and $1.20 billion , or 17% of the deposit portfolio, at June 30, 2026. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 2.00x and weighted average loan - to - value (2) of 52.8%. USKC Loans – Top 10 Industries (as of 2Q26) 29% 21% Auto Part Manufacturing RE Investment 19% 5% Hotel Food 4% Golf Course 4% Polyester Manufacturing 3% Education 2% Wholesale - Metal 2% Steel 9% 2% Computer Equipment Manufacturing Other 2% 2% 33% 18% Auto Part Manufacturing 13% Electronics/Home Appliances 9% Food 6% Steel 6% RE Investment/Leasing 4% Research and Development 4% All Other Financial Investment Activities 3% Wholesale - Houseware Management of Companies and Enterprises Electrical Auto Parts Other USKC Deposits – Top 10 Industries (as of 2Q26) 28% 26% 25% 24% 23% 72% 74% 75% 76% 77% $841 $910 $862 $818 $826 2Q25 3Q25 1Q26 2Q26 4Q25 CRE C&I USKC Loans by Product 㸦 $ in millions 㸧 USKC Deposits by Product 㸦 $ in millions 㸧 $950 53% 55% 60% 57% 61% 30% 29% 31% 34% 35% 2Q26 1Q26 4Q25 3Q25 2Q25 $1,040 $1,024 $1,131 $1,202 Demand Noninterest - bearing Money Market & Savings (1) U.S. subsidiaries of Korean corporations (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Includes $11.0 million CRE loan designated nonaccrual at June 30, 2025. (4) Time deposits, not illustrated, represent the remainder to add to 100%. (4) (3)

23 Total >3 Years 1 - 3 Years <1 Year ($ in millions) Real Estate Loans 1,193.2 $ 525.8 $ 399.7 $ 267.7 $ Retail 858.6 355.5 268.3 234.8 Hospitality 479.1 65.7 204.7 208.7 Office 1,477.7 642.0 510.3 325.3 Other 4,008.6 $ 1,589.0 $ 1,383.0 $ 1,036.5 $ Commercial Property 13.8 - - 13.8 Construction 978.9 974.2 0.1 4.7 RRE/Consumer 5,001.2 $ 2,563.2 $ 1,383.1 $ 1,054.9 $ Total Real Estate Loans 1,171.3 508.8 236.4 426.1 C&I (1) 362.8 160.5 166.3 36.1 Equipment Finance 6,535.3 $ 3,232.5 $ 1,785.8 $ 1,517.1 $ Loans Receivable LOAN PORTFOLIO MATURITIES Note: numbers may not add due to rounding. (1) $361.8 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year.

LOAN PORTFOLIO DIVERSIFICATION (1) $120.0 million, or 3.0%, and $34.9 million, or 0.9%, of the CRE portfolio are unguaranteed and guaranteed SBA loans, respectively. (2) $63.8 million, or 5.5%, and $47.7 million, or 4.1%, of the C&I portfolio are unguaranteed and guaranteed SBA loans, respectively. Retail 30% Hospitality 21% Multifamily 10% Industrial 11% Office 12% Gas Station 5% 3% Mixed Use Construction 1% Other 7% CRE Portfolio (1) $4,022M Manufacturing 31% Finance & 14% 6% Wholesale Retail Trade Insurance Trade 8% Healthcare 3% Real Estate Rental & Leasing 3% Other 35% C&I Portfolio (2) $1,171M • CRE (1) represents 62% of the total portfolio • C&I (2) represents 18% of the total portfolio. 24

California $2,541 63% Texas $408 10% New York $306 8% Illinois $109 3% Other $658 16% CRE Composition by State $4,022 CRE PORTFOLIO GEOGRAPHICAL EXPOSURE 25 California $7 50% Other $7 50% Construction by State $14 California $502 57% Texas $48 5% Illinois $14 2% New York $16 2% Other $298 34% Owner Occupied by State $878 California $1,764 66% Illinois $84 3% New York $206 8% Texas $279 10% Other $338 13% Investor (Non - owner Occupied) by State $2,671 California $268 58% New York $84 18% Texas $82 18% Illinois $11 3% Other $14 3% Multifamily by State $459 ($ in millions)

Rate Distribution Portfolio by State Fixed 75% Variable 25% OFFICE LOAN PORTFOLIO 26 (1) Segment represents exposure in CRE and excludes construction. 5.1% of the portfolio was owner occupied. (2) SBA CRE office loans were $9.6 million, or 2.0% of total office loans, at June 30, 2026. (3) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. The CRE office portfolio (1) was $479.1 million (2) at June 30, 2026, representing 7% of the total loan portfolio. $4.1M Average balance of the portfolio 2.06x Weighted average debt coverage ratio (3) of the segment 57.0% Weighted average loan to value (3) of the segment 26.8% of the portfolio is expected to reprice in 1 to 3 months 0.07% of the office portfolio was delinquent 0.26% of the office portfolio was criticized Remaining = 3% 83% 8% 6%

27 HOSPITALITY SEGMENT (1) SBA loans in the hospitality segment were $22.0 million, or 2.6%, of total hospitality loans at June 30, 2026; excludes one $4.0 million hotel construction loan. (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Metropolitan is categorized as a location that is in a major city and in proximity to downtown areas; destination is categorized as a hotel whose location/amenities make it a distinct tourist location; suburban is defined as areas outside of major city hubs and can include more rural areas. (4) Includes a special mention CRE loan of $55.0 million at June 30, 2026. The hospitality segment represented $858.6 million , (1) or 13% of the total loan portfolio and 21% of the total CRE portfolio, at June 30, 2026. $4.6M Average balance of the segment (excluding construction) 2.07x Weighted average debt coverage ratio (2) of the segment 51.7% Weighted average loan to value (2) of the segment $56.6M or 6 . 6 % , of the hospitality segment was criticized as of June 30 , 2026 ( 4 ) Metropolitan (3) 60% Destination / Suburban (3) 27% Airport 5% Resort 6% Convention Center 2% Hospitality by Type

28 RETAIL SEGMENT The retail segment represented $1.20 billion , (1) or 18% of the total loan portfolio, and 30% of the total CRE portfolio, at June 30, 2026. $1.6M Average balance of the segment 2.00x Weighted average debt coverage ratio (2) of the segment 45.64% Weighted average loan to value (2) of the segment $24.7M or 2.07%, of the retail segment was criticized at June 30, 2026 $1.0M or 0.08%, of the retail segment was on nonaccrual status at June 30, 2026 California 69% Illinois Georgia 2% 3% Texas 12% Other 14% Percentage of Portfolio (1) SBA loans in the retail segment are $87.6 million, or 7.34% of total retail loans, at June 30, 2026. (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently.

29 Payment Performance RESIDENTIAL REAL ESTATE PORTFOLIO The RRE (1) portfolio was $978.9 million at June 30, 2026, representing 15% of the total loan portfolio. Our conservative underwriting policy focuses on high - quality mortgage originations with maximum Loan - to - Value (LTV) ratios between 60% and 70%, maximum Debt - to - Income (DTI) ratios of 43%, and minimum FICO scores of 680. 26.2% Fixed Non - QM 92% (3) Jumbo Non - QM 6% (4) QM 2% (2) (1) RRE includes $0.8 million of Home Equity Line of Credit (HELOC) and $5.0 million in consumer loans. (2) Qualified mortgage (QM) loans conform to the Ability - to - Repay (ATR) rules/requirements of CFPB. (3) Non - QM loans do not conform to the CFPB Dodd - Frank Act. (4) Jumbo Non - QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules. Interest Rate Type 73.8% 9.6% 90.4% Variable 0.83% 0.46% Total 30 - 59 days delinquencies delinquency category Reset within the Reset after next 12 months 12 months 0.18% 60 - 89 days delinquency category $3.2M / 0.3% on nonaccrual status at June 30, 2026 Percentage of Portfolio

4% 5% 3% Remaining = 48% 11% 10% 4% 8% 3% 4% EQUIPMENT FINANCE PORTFOLIO 30 Transportation 18% Construction 15% Manufacturing 12% Waste Management 12% Professional Services 6% Health Care 6% Retail Trade 6% Other Services 4% Wholesale Trade 4% Hospitality 4% Portfolio by Industry (1) Other 13% (1) Other includes agriculture and real estate of 3% and 3%, respectively. The equipment finance portfolio represented $362.8 million , or 5% of the loan portfolio, at June 30, 2026. 27% 8% 6% 6% 5% 4% 4% 4% 4% 32% Portfolio by Equipment Portfolio by State

31 2 Q 26 FINANCIAL SUMMARY Note: Numbers may not add due to rounding. (1) Percentage change calculated from dollars in thousands; change in basis points for selected balance sheet items and performance metrics. (2) Non - GAAP financial measure, refer to the non - GAAP reconciliation slide. Y/Y Q/Q June 30, 2025 March 31, 2026 June 30, 2026 ($ in millions, except EPS) Income Statement Summary 11.8% 1.0% 57.1 $ 63.2 $ 63.9 $ Net interest income before credit loss 3.4% - 2.2% 8.1 8.5 8.3 Noninterest income 10.7% 0.6% 65.2 71.7 72.2 Operating revenue 7.4% 1.7% 36.3 38.4 39.0 Noninterest expense 14.9% - 0.6% 28.9 33.4 33.2 Preprovision net revenue - 84.5% - 59.0% 7.6 2.9 1.2 Credit loss (recovery) expense 50.6% 4.9% 21.2 30.5 32.0 Pretax income 38.6% 6.9% 6.1 7.9 8.5 Income tax expense 55.5% 4.2% $ 15.1 $ 22.6 $ 23.5 Net income 0.50 $ 0.75 $ 0.79 EPS - Diluted $ Selected Balance Sheet Items 3.6% - 0.2% 6,306 $ 6,545 $ 6,535 Loans receivable $ 3.4% 2.3% 6,729 6,801 6,955 Deposits 1.8% 2.1% 7,862 7,839 8,001 Total assets 6.5% 1.2% 763 $ 803 $ 813 $ Stockholders' equity 45 (8) 9.58% 10.11% 10.03% TCE/TA (2) Performance Metrics 41 2 0.79% 1.18% 1.20% Return on average assets 361 23 7.48% 10.86% 11.09% Return on average equity 29 (2) 3.07% 3.38% 3.36% Net interest margin (167) 59 55.74% 53.48% 54.07% Efficiency ratio Change (1)

32 N O N - G A A P R E C O N C I L I A T I O N : TANGIBLE COMMON EQUITY TO TANGIBLE ASSET RATIO (1) There were no preferred shares outstanding at the periods indicated. June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 Hanmi Financial Corporation $ 7,862,363 $ 7,856,731 $ 7,869,185 $ 7,839,227 $ 8,001,473 Assets (11,031) (11,031) (11,031) (11,031) (11,031) Less goodwill and other intangible assets $ 7,851,332 $ 7,845,700 $ 7,858,154 $ 7,828,196 $ 7,990,442 Tangible assets $ 762,834 $ 779,550 $ 796,386 $ 802,819 $ 812,680 Stockholders' equity (1) (11,031) (11,031) (11,031) (11,031) (11,031) Less goodwill and other intangible assets $ 751,803 $ 768,519 $ 785,355 $ 791,788 $ 801,649 Tangible stockholders' equity (1) 54,541 48,004 43,277 45,570 46,552 Add AFS securities AOCI $ 806,344 $ 816,523 $ 828,632 $ 837,358 $ 848,201 Tangible stockholders' equity without AFS securities AOCI (1) 9.70% 9.92% 10.12% 10.24% 10.16% Stockholders' equity to assets 9.58% 9.80% 9.99% 10.11% 10.03% Tangible common equity to tangible assets (TCE/TA) (1) 10.27% 10.41% 10.54% 10.70% 10.62% TCE/TA (w/o AFS securities AOCI) (1) 30,176,568 29,975,371 29,894,757 29,806,694 29,650,306 Common shares outstanding $24.91 $25.64 $26.27 $26.56 $27.04 Tangible common equity per common share (In thousands, except share, per share data and ratios)

33 N O N - G A A P R E C O N C I L I A T I O N : PRO FORMA REGULATORY CAPITAL $ 6,799,609 $ 6,799,609 $ 6,799,609 $ 6,799,594 $ 6,799,594 $ 6,799,594 Adjusted Risk weighted assets 14.48% 13.40% 13.40% 15.29% 12.61% 12.28% Regulatory capital ratio as reported - 0.66% - 0.67% - 0.67% - 0.67% - 0.67% - 0.67% Impact of unrealized losses on AFS securities 13.82% 12.73% 12.73% 14.62% 11.94% 11.61% Pro forma regulatory capital ratio Note: numbers may not add due to rounding (1) Pro forma capital ratios at June 30, 2026. Bank (1) Company (1) ($ in thousands) Total Risk - based Tier 1 Common Equity Tier 1 Total Risk - based Tier 1 Common Equity Tier 1 $ 985,599 $ 912,635 $ 912,635 $ 1,041,195 $ 858,231 $ 836,297 Regulatory capital (46,443 ) (46,443 ) (46,443 ) (46,552 ) (46,552 ) (46,552 ) Unrealized loss on AFS securities $ 939,156 $ 866,192 $ 866,192 $ 994,643 $ 811,679 $ 789,745 Adjusted regulatory capital $ 6,808,585 $ 6,808,585 $ 6,808,585 $ 6,808,155 $ 6,808,155 $ 6,808,155 Risk weighted assets Risk weighted assets impact of unrealized losses on AFS securities (8,561 ) (8,561 ) (8,561 ) (8,976 ) (8,976 ) (8,976 )

34 N O N - G A A P R E C O N C I L I A T I O N : PREPROVISION NET REVENUE (In thousands) Percentage Change Q2 - 26 Q2 - 26 June 30, September 30, December 31, March 31, June 30, vs. Q1 - 26 vs. Q2 - 25 2025 2025 2025 2026 2026 Hanmi Financial Corporation $ 15,117 7,631 $ 22,061 2,145 $ 21,239 1,943 $ 22,557 2,892 $ 23,505 1,186 Net income Add back: Credit loss expense 6,115 9,396 8,887 7,925 8,475 Income tax expense - 0.6% 14.9% $ 28,863 $ 33,602 $ 32,069 $ 33,374 $ 33,166 Preprovision net revenue

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