Hanmi Financial Q3 2026 earnings reach $23.7M

Deposit growth and a wider margin accompanied higher credit costs, including a partial charge-off on a commercial real estate loan.

Rhea-AI Filing Summary

Hanmi Financial Corporation (HAFC) reported third-quarter 2026 net income of $23.7 million, or $0.80 per diluted share, compared with $23.5 million, or $0.79, in the second quarter. Net interest income increased 5.8% to $67.6 million, and net interest margin rose eight basis points to 3.44%. For the first nine months of 2026, net income was $69.7 million, up 27.2% from a year earlier.

Deposits at September 30, 2026 totaled $7.06 billion, up 1.4% from June 30; loans held for investment were $6.57 billion, up 0.5%. Credit loss expense rose to $4.5 million from $1.2 million in the prior quarter, including a $3.2 million partial charge-off on a $21.2 million commercial real estate loan moved to held-for-sale. Criticized loans were $134.4 million, or 2.05% of loans, at quarter-end.

Hanmi issued $55.0 million of subordinated notes due July 31, 2036, and used issuance proceeds and $44.5 million from securities sales to redeem $110.0 million of 2031 notes. It paid a $0.28-per-share dividend and repurchased 151,048 shares at an average price of $31.79.

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Positive

• Moderate pointNine-month net income reached $69.7 million, up 27.2% year over year.
• Moderate pointThird-quarter net interest income rose 5.8% quarter over quarter to $67.6 million.

Negative

• Moderate pointCredit loss expense reached $4.5 million, including a $3.2 million charge-off.

Filing Explained

Two rent-restricted New York City multifamily downgrades contributed to the rise in criticized loans to $134.4 million.

Hanmi completed the refinancing by redeeming its 2031 subordinated notes and issuing notes due July 31, 2036; the new notes pay 6.50% fixed for five years, then reset quarterly to three-month SOFR plus 234 basis points.

Separately, criticized loans rose to $134.4 million, or 2.05% of loans, from $113.9 million, or 1.74%, at June 30; the increase included two rent-restricted New York City multifamily loans totaling $51.4 million that were downgraded during the quarter.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

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

Item 9.01 Financial Statements and Exhibits Exhibits

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

Key Figures

Net income: $23.7 million Diluted earnings per share: $0.80 Net interest income: $67.6 million; up 5.8% +5 more

8 metrics

Net income $23.7 million Third quarter of 2026

Diluted earnings per share $0.80 Third quarter of 2026

Net interest income $67.6 million; up 5.8% Third quarter of 2026 compared with the second quarter

Net interest margin 3.44% Third quarter of 2026; up eight basis points from the second quarter

Deposits $7.06 billion; up 1.4% As of September 30, 2026, compared with June 30, 2026

Loans held for investment $6.57 billion; up 0.5% As of September 30, 2026, compared with June 30, 2026

Credit loss expense $4.5 million Third quarter of 2026; $1.2 million in the second quarter

Nine-month net income $69.7 million; up 27.2% Nine months ended September 30, 2026, compared with the same period in 2025

Key Terms

preprovision net revenue, net interest margin, criticized loans, held-for-sale, +1 more

5 terms

preprovision net revenue financial

"10.8% growth in preprovision net revenue"

Preprovision net revenue (PPNR) is a bank metric equal to net interest income plus noninterest (fee and trading) income minus noninterest operating expenses, calculated before subtracting provisions for credit losses. It measures a lender's recurring operating revenue available to absorb loan-loss provisions and other nonoperating charges; it does not include the provision for credit losses, and it typically excludes one-time gains or losses that are not part of ongoing operations.

net interest margin financial

"Net interest margin was 3.44%"

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.

criticized loans financial

"Criticized loans were $134.4 million"

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.

held-for-sale financial

"loan moved to held-for-sale"

An asset classified as "held-for-sale" is one a company has decided to sell rather than keep using, and expects to complete the sale within a short time frame. Investors care because the asset is removed from normal operations and is reported at the lower of its book value or estimated sale value, which can change the balance sheet, signal a shift in strategy, and affect expected cash proceeds—think of it as marking an item in a garage for immediate sale rather than keeping it in the attic.

Secured Overnight Financing Rate financial

"three-month Secured Overnight Financing Rate"

A secured overnight financing rate (SOFR) is a daily benchmark interest rate that reflects the cost of borrowing cash overnight using U.S. Treasury securities as collateral. Think of it as the market price to “rent” cash for a day with a very safe pledge, similar to paying a short-term rental fee for money backed by government bonds. Investors track SOFR because it underpins pricing for loans, bonds and derivatives, so movements change borrowing costs, interest income and the valuation of interest-rate–linked positions.

Earnings Snapshot

Net income: $23.7 million

Third quarter of 2026

Net income $23.7 million Up 0.8% from the second quarter of 2026

Diluted earnings per share $0.80 Increased from $0.79 in the second quarter of 2026

Net interest income $67.6 million Up 5.8% from the second quarter of 2026

Net interest margin 3.44% Up eight basis points from the second quarter of 2026

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were HAFC's third-quarter 2026 earnings?

Hanmi reported third-quarter 2026 net income of $23.7 million, or $0.80 per diluted share. In the second quarter, net income was $23.5 million and diluted earnings were $0.79 per share. Third-quarter results included $67.6 million in net interest income and $4.5 million in credit loss expense.

What are the interest terms on HAFC's 2036 subordinated notes?

The $55.0 million notes due July 31, 2036 pay a fixed 6.50% rate for the first five years. After that, interest resets quarterly at the then-current three-month Secured Overnight Financing Rate (SOFR) plus 234 basis points. Hanmi may redeem them without penalty on July 31, 2031, and on any interest payment date thereafter.

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

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Available on EDGAR 10/27/2026 - 04:06 PM EDT Accepted by SEC EDGAR 10/27/2026 - 04:06 PM EDT Learn about SEC filing dates

False000110924200011092422026-10-272026-10-27iso4217: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):  October 27, 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 October 27, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended September 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 October 27, 2026
99.2		Hanmi Financial Third 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 and the shape of the yield curve 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: October 27, 2026	By:	/s/ Bonita I. Lee
		Bonita I. Lee
		Chief Executive Officer

EXHIBIT 99.1

Hanmi Reports 2026 Third Quarter Results

LOS ANGELES, Oct. 27, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the third quarter of 2026.

Net income for the third quarter of 2026 was $23.7 million, or $0.80 per diluted share, compared with $23.5 million, or $0.79 per diluted share for the second quarter of 2026. The return on average assets for the third quarter was 1.17% and the return on average equity was 10.90%, compared with a return on average assets of 1.20% and a return on average equity of 11.09% for the second quarter of 2026.

CEO Commentary
“Hanmi delivered solid financial performance in the third quarter, driven by 5.8% growth in net interest income and a 10.8% increase in preprovision net revenue,” said Bonnie Lee, President and Chief Executive Officer. “Net interest margin expanded eight basis points to 3.44%, supported by higher yields on interest-earning assets and disciplined funding costs. We also continued to strengthen our deposit base, with total deposits increasing 1.4%, driven primarily by growth in core deposits.”

“In the third quarter, we generated robust loan production of $544 million across our business, reflecting the strength of the Hanmi franchise and healthy market demand. Elevated payoffs partially offset this strong production, resulting in a modest increase in loan balances. More importantly, asset quality remains strong, underpinned by conservative underwriting, proactive portfolio management, and strong credit administration.”

“Looking ahead, our strong capital position, growing deposit base, disciplined expense management, and positive earnings momentum position us well to capitalize on opportunities across our markets and continue delivering long-term value for our shareholders,” concluded Lee.

Third Quarter 2026 Highlights:

• Third quarter net income increased 0.8% from the second quarter, with 10.8% growth in preprovision net revenue¹ offset by a $3.3 million increase in credit loss expense from a single loan charge-off.
• Net interest income increased 5.8% to $67.6 million, reflecting a 2.4% growth in average interest-earning assets, which was funded by a 2.8% growth in average deposits.
• Net interest margin was 3.44%, up eight basis points; the average yield on loans increased 13 basis points while the average rate on interest-bearing deposits increased only one basis point.
• Deposits grew 1.4% to $7.06 billion, with core deposits up 1.9% and noninterest-bearing deposits stable at 30.4% of total deposits.
• Loans increased 0.5% to $6.57 billion as new loan production increased 46.2%, or $171.7 million, partially offset by an increase in payoffs of $127.0 million.
  

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

• Hanmi recognized a $3.2 million charge-off on a $21.2 million commercial real estate loan when it was moved to held-for-sale; asset quality, however, remained strong with nonperforming assets to total assets unchanged from the second quarter at 0.12% and a low 0.14% ratio of nonperforming loans to total loans.
• Hanmi returned 55.6% of third quarter earnings to shareholders, comprising $8.3 million in dividends and $4.9 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets¹ at 9.93% and a common equity Tier 1 capital ratio of 12.30%.

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

For more information about Hanmi, please see the Q3 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
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Net income	$	23,683			$	23,505			$	22,557			$	21,239			$	22,061			$	178			$	1,622
Net income per diluted common share	$	0.80			$	0.79			$	0.75			$	0.70			$	0.73			$	0.01			$	0.07
Assets	$	8,043,788			$	8,001,473			$	7,839,227			$	7,869,185			$	7,856,731			$	42,315			$	187,057
Loans	$	6,568,701			$	6,535,312			$	6,545,466			$	6,563,367			$	6,528,259			$	33,389			$	40,442
Deposits	$	7,055,774			$	6,955,342			$	6,800,622			$	6,677,650			$	6,766,639			$	100,432			$	289,135
Return on average assets		1.17	%			1.20	%			1.18	%			1.07	%			1.12	%			-0.03				0.05
Return on average stockholders’ equity		10.90	%			11.09	%			10.86	%			10.14	%			10.69	%			-0.19				0.21
Net interest margin		3.44	%			3.36	%			3.38	%			3.28	%			3.22	%			0.08				0.22
Efficiency ratio(1)		52.02	%			54.07	%			53.48	%			54.95	%			52.65	%			-2.05				-0.63
Tangible common equity to tangible assets(2)		9.93	%			10.03	%			10.11	%			9.99	%			9.80	%			-0.10				0.13
Tangible common equity per common share(2)	$	27.03			$	27.04			$	26.56			$	26.27			$	25.64				-0.01				1.39
(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 5.8%, or $3.7 million, to $67.6 million for the third quarter of 2026, from $63.9 million for the second quarter. This increase was principally due to a $3.2 million increase in interest income on loans as well as a $1.5 million increase in interest income from deposits in other banks, partially offset by a $1.5 million increase in interest expense on deposits.

The increase in third quarter net interest income reflected several items. Interest income included $0.4 million of loan interest reversals, $1.2 million of prepayment fees and accelerated deferred fee income from loan payoffs, and a $0.2 million special dividend from FHLB. Interest expense included an additional $0.3 million on subordinated debentures from the overlapping of the newly issued 2036 Notes and the redemption of the 2031 Notes.

Net interest margin (taxable equivalent) increased eight basis points to 3.44% for the third quarter of 2026 from 3.36% for the second quarter. The increase reflects a higher contribution from interest income on bank deposits, partially offset by slightly higher interest expense on customer deposits and subordinated debt. The several items affecting third quarter net interest income noted above represented approximately four basis points of the increase in net interest margin.

The average yield on loans increased 13 basis points to 6.03% for the third quarter of 2026 from 5.90% for the second quarter, while the average rate on interest-bearing deposits increased one basis point to 3.18% for the third quarter from 3.17% for the second quarter. Fees from loan payoffs, partially offset by the reversal of interest income in the third quarter, represented approximately five basis points of the increase in average loan yields.

Average loans increased 0.3%, or $18.0 million, to $6.46 billion for the third quarter of 2026 from $6.44 billion for the second quarter. Average deposits increased 2.8%, or $187.9 million, to $6.94 billion for the third quarter of 2026 from $6.75 billion for the second quarter. Interest-bearing deposits led the increase in average deposits with a $116.3 million increase, primarily due to a $103.4 million increase in money market and savings. The ratio of average loans to average deposits for the third quarter was 93.1%, down from 95.5% for the second quarter. The ratio of average demand deposits to average deposits was 29.3% for the third quarter, essentially unchanged from 29.1% for the second quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
Net Interest Income	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Interest and fees on loans(1)	$	97,977			$	94,808			$	93,866			$	96,592			$	95,691				3.3	%			2.4	%
Interest on securities		6,819				6,337				5,959				6,323				6,592				7.6	%			3.4	%
Dividends on FHLB stock		451				219				831				361				357				105.9	%			26.3	%
Interest on deposits in other banks		3,409				1,958				1,496				1,837				2,586				74.1	%			31.8	%
Total interest and dividend income	$	108,656			$	103,322			$	102,152			$	105,113			$	105,226				5.2	%			3.3	%
Interest on deposits		39,271				37,774				36,738				39,978				42,244				4.0	%			-7.0	%
Interest on borrowings		—				154				676				695				324				-100.0	%			-100.0	%
Interest on subordinated debentures		1,815				1,537				1,535				1,561				1,579				18.1	%			14.9	%
Total interest expense		41,086				39,465				38,949				42,234				44,147				4.1	%			-6.9	%
Net interest income	$	67,570			$	63,857			$	63,203			$	62,879			$	61,079				5.8	%			10.6	%
(1)Includes loans held for sale.

	For the Three Months Ended (in thousands)																				Percentage Change
Average Earning Assets and Interest-bearing	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
Liabilities	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Loans(1)	$	6,459,823			$	6,441,853			$	6,434,316			$	6,456,239			$	6,304,435				0.3	%			2.5	%
Securities		966,574				950,786				921,065				955,811				985,888				1.7	%			-2.0	%
FHLB stock		16,385				16,385				16,385				16,385				16,385				0.0	%			0.0	%
Interest-bearing deposits in other banks		370,575				221,361				171,953				191,731				239,993				67.4	%			54.4	%
Average interest-earning assets	$	7,813,357			$	7,630,385			$	7,543,719			$	7,620,166			$	7,546,701				2.4	%			3.5	%
Demand: interest-bearing	$	83,470			$	81,682			$	74,963			$	77,297			$	86,839				2.2	%			-3.9	%
Money market and savings		2,159,553				2,056,148				2,063,186				2,130,616				2,122,967				5.0	%			1.7	%
Time deposits		2,657,593				2,646,480				2,522,505				2,506,582				2,494,285				0.4	%			6.5	%
Average interest-bearing deposits		4,900,616				4,784,310				4,660,654				4,714,495				4,704,091				2.4	%			4.2	%
Borrowings		—				15,330				69,388				64,565				27,772				-100.0	%			-100.0	%
Subordinated debentures		132,407				130,695				130,541				130,385				130,766				1.3	%			1.3	%
Average interest-bearing liabilities	$	5,033,023			$	4,930,335			$	4,860,583			$	4,909,445			$	4,862,629				2.1	%			3.5	%
Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	2,034,788			$	1,963,242			$	1,937,628			$	1,969,908			$	1,960,331				3.6	%			3.8	%
(1)Includes loans held for sale.

	For the Three Months Ended																				Yield/Rate Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
Average Yields and Rates	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Loans(1)		6.03	%			5.90	%			5.90	%			5.94	%			6.03	%			0.13				0.00
Securities(2)		2.85	%			2.69	%			2.62	%			2.67	%			2.70	%			0.16				0.15
FHLB stock		10.92	%			5.36	%			20.56	%			8.75	%			8.65	%			5.56				2.27
Interest-bearing deposits in other banks		3.65	%			3.55	%			3.53	%			3.80	%			4.27	%			0.10				-0.62
Interest-earning assets		5.53	%			5.43	%			5.48	%			5.48	%			5.54	%			0.10				-0.01
Interest-bearing deposits		3.18	%			3.17	%			3.20	%			3.36	%			3.56	%			0.01				-0.38
Borrowings		0.00	%			4.06	%			3.94	%			4.27	%			4.63	%			-4.06				-4.63
Subordinated debentures		5.48	%			4.70	%			4.70	%			4.79	%			4.83	%			0.78				0.65
Interest-bearing liabilities		3.24	%			3.21	%			3.25	%			3.41	%			3.60	%			0.03				-0.36
Net interest margin (taxable equivalent basis)		3.44	%			3.36	%			3.38	%			3.28	%			3.22	%			0.08				0.22
Cost of deposits		2.25	%			2.25	%			2.26	%			2.37	%			2.51	%			0.00				-0.26
(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 third quarter of 2026 was $4.5 million, compared with $1.2 million for the second quarter; the increase resulted from higher net charge-offs. Credit loss expense for the third quarter included a provision for loan losses of $4.7 million and a negative provision of $0.2 million for off-balance sheet items. Second-quarter credit loss expense included a provision for loan losses of $1.3 million and a negative provision of $0.1 million for off-balance sheet items.

Noninterest income increased 8.2% to $9.0 million for the third quarter of 2026, from $8.3 million for the second quarter of 2026, primarily due to a $1.0 million increase in gain on sales of SBA loans. The gain was $2.3 million for the third quarter of 2026, compared with $1.3 million for the second quarter of 2026. Additionally, all other operating income increased by $0.4 million due to an increase in interchange fees. The increases in gain on sales of SBA loans and all other operating income were partially offset by a $0.5 million decrease in bank owned life insurance income.

The volume of SBA loans sold for the third quarter of 2026 increased to $34.0 million from $20.9 million for the second quarter, while trade premiums increased to 8.10% from 7.92% for the second quarter. Residential mortgage loans sold for the third quarter were $13.4 million with a premium of 1.83%, compared with $30.6 million and 2.00% for the second quarter. The gain on sales of residential mortgage loans was $0.3 million for the third quarter, compared with $0.4 million for the second quarter. Additionally, $44.5 million of U.S. Treasury securities were sold during the 2026 third quarter to fund the subordinated debt redemption at a net loss of $0.1 million.

	For the Three Months Ended (in thousands)																				Percentage Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
Noninterest Income	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Service charges on deposit accounts	$	2,080			$	2,102			$	2,127			$	2,196			$	2,160				-1.0	%			-3.7	%
Trade finance and other service charges and fees		1,892				1,902				1,501				1,735				1,551				-0.5	%			22.0	%
Servicing income		958				955				870				924				924				0.3	%			3.7	%
Bank-owned life insurance income		320				799				610				315				1,259				-59.9	%			-74.6	%
All other operating income		1,352				915				844				758				973				47.8	%			38.9	%
Service charges, fees & other		6,602				6,673				5,952				5,928				6,867				-1.1	%			-3.9	%
Gain on sale of SBA loans		2,284				1,318				2,102				1,790				1,857				73.3	%			23.0	%
Gain on sale of residential mortgage loans		279				357				485				581				1,156				-21.8	%			-75.9	%
Net gain (loss) on sales of securities		(135	)			—				—				—				—				-100.0	%			-100.0	%
Total noninterest income	$	9,030			$	8,348			$	8,539			$	8,299			$	9,880				8.2	%			-8.6	%

Noninterest expense was up 2.1% to $39.8 million for the third quarter of 2026 from $39.0 million for the second quarter of 2026, primarily due to $1.1 million of accelerated amortization of deferred debt issuance costs arising from the redemption of the subordinated debt notes due 2031. Salaries and employee benefits increased $0.5 million, primarily due to a full-quarter impact of annual merit increases. These increases were partially offset by a $0.3 million decrease in professional fees. The efficiency ratio decreased to 52.02% for the third quarter, compared with 54.07% for the previous quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Noninterest Expense
Salaries and employee benefits	$	23,334			$	22,784			$	21,956			$	22,472			$	22,163				2.4	%			5.3	%
Occupancy and equipment		4,529				4,383				4,414				4,339				4,507				3.3	%			0.5	%
Data processing		4,706				4,555				4,386				4,098				3,860				3.3	%			21.9	%
Professional fees		1,696				1,997				2,780				2,343				1,978				-15.1	%			-14.3	%
Supplies and communication		489				491				556				573				423				-0.4	%			15.6	%
Advertising and promotion		728				679				688				1,010				712				7.2	%			2.2	%
All other operating expenses		3,227				4,103				3,849				3,795				3,665				-21.4	%			-12.0	%
Subtotal		38,709				38,992				38,629				38,630				37,308				-0.7	%			3.8	%
Other real estate owned expense (income)		(22	)			6				(345	)			474				17				-466.7	%			-229.4	%
Repossessed personal property expense (income)		35				41				84				5				32				-14.6	%			9.4	%
Subordinated debt redemption		1,127				—				—				—				—				100.0	%			100.0	%
Total noninterest expense	$	39,849			$	39,039			$	38,368			$	39,109			$	37,357				2.1	%			6.7	%

The effective tax rate was 26.5% for the third quarter of 2026, unchanged from the second quarter of 2026.

Financial Position
Total assets at September 30, 2026 were $8.04 billion, a $42.3 million increase from $8.00 billion at June 30, 2026. This increase was due primarily to a $47.6 million increase in total loans and a $17.4 million increase in cash and due from banks, partially offset by a $27.1 million decrease in securities available for sale.

Total loans, excluding the allowance for credit losses and loans held for sale, were up 0.5% to $6.57 billion at September 30, 2026, from $6.54 billion at June 30, 2026.

Loans held for sale were $31.2 million at September 30, 2026, up from $17.0 million at June 30, 2026. At the end of the third quarter, loans held for sale consisted of $8.2 million representing the guaranteed portion of SBA 7(a) loans, an $18.0 million problem loan, and $5.0 million of residential mortgage loans.

	As of (in thousands)																				Percentage Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Loan Portfolio
Commercial real estate loans	$	4,055,664			$	4,022,320			$	3,998,144			$	4,030,105			$	4,015,291				0.8	%			1.0	%
Residential/consumer loans		1,001,824				978,881				1,002,223				1,049,872				1,043,577				2.3	%			-4.0	%
Commercial and industrial loans		1,171,614				1,171,272				1,152,544				1,074,907				1,052,522				0.0	%			11.3	%
Equipment finance		339,599				362,839				392,555				408,483				416,869				-6.4	%			-18.5	%
Total loans held for investment		6,568,701				6,535,312				6,545,466				6,563,367				6,528,259				0.5	%			0.6	%
Loans held for sale		31,242				16,969				4,932				7,403				6,512				84.1	%			379.8	%
Total loans	$	6,599,943			$	6,552,281			$	6,550,398			$	6,570,770			$	6,534,771				0.7	%			1.0	%

	As of
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,
	2026				2026				2026				2025				2025
Composition of Loan Portfolio
Commercial real estate loans		61.4	%			61.4	%			61.0	%			61.3	%			61.4	%
Residential/consumer loans		15.2	%			14.9	%			15.3	%			16.0	%			16.0	%
Commercial and industrial loans		17.8	%			17.9	%			17.6	%			16.4	%			16.1	%
Equipment finance		5.1	%			5.5	%			6.0	%			6.2	%			6.4	%
Total loans held for investment		99.5	%			99.7	%			99.9	%			99.9	%			99.9	%
Loans held for sale		0.5	%			0.3	%			0.1	%			0.1	%			0.1	%
Total loans		100.0	%			100.0	%			100.0	%			100.0	%			100.0	%

New loan production was $543.6 million for the third quarter of 2026 at an average rate of 6.61%, while payoffs were $283.5 million at an average rate of 6.55%.

	For the Three months Ended (in thousands)
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,
	2026				2026				2026				2025				2025
New Loan Production
Commercial real estate loans	$	226,929			$	170,080			$	131,426			$	125,866			$	176,826
Residential/consumer loans		77,081				50,010				29,074				70,268				103,247
Commercial and industrial loans		170,301				89,227				134,717				82,079				211,454
SBA loans		41,014				37,109				40,652				44,065				44,931
Equipment finance		28,233				25,450				42,051				52,521				34,315
Subtotal		543,558				371,876				377,920				374,799				570,773
Payoffs		(283,451	)			(156,407	)			(198,936	)			(123,086	)			(142,963	)
Amortization		(112,229	)			(121,208	)			(133,396	)			(133,992	)			(60,939	)
Loan sales		(47,399	)			(54,761	)			(64,690	)			(63,642	)			(100,452	)
Net line utilization		(60,980	)			(47,762	)			4,373				(16,072	)			(39,497	)
Charge-offs & OREO		(6,110	)			(1,892	)			(3,172	)			(2,899	)			(4,620	)
Loans held for investment-beginning balance		6,535,312				6,545,466				6,563,367				6,528,259				6,305,957
Loans held for investment-ending balance	$	6,568,701			$	6,535,312			$	6,545,466			$	6,563,367			$	6,528,259

Deposits were up 1.4% to $7.06 billion at the end of the third quarter of 2026, from $6.96 billion at the end of the previous quarter. Driving the increase was a $107.5 million increase in money market and savings. Noninterest-bearing demand deposits represented 30.4% of total deposits at September 30, 2026 and the loan-to-deposit ratio was 93.1%.

	As of (in thousands)																				Percentage Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Deposit Portfolio
Demand: noninterest-bearing	$	2,146,060			$	2,135,418			$	2,030,743			$	2,015,212			$	2,087,132				0.5	%			2.8	%
Demand: interest-bearing		85,521				80,783				78,341				74,799				86,834				5.9	%			-1.5	%
Money market and savings		2,192,054				2,084,572				2,116,073				2,084,218				2,094,028				5.2	%			4.7	%
Time deposits $250,000 and less		1,296,520				1,314,544				1,318,250				1,277,382				1,235,755				-1.4	%			4.9	%
Core deposits		5,720,155				5,615,317				5,543,407				5,451,611				5,503,749				1.9	%			3.9	%
Time deposits over $250,000		1,068,677				1,073,083				1,018,712				987,536				1,024,378				-0.4	%			4.3	%
State of California time deposits		180,000				180,000				150,000				150,000				150,000				0.0	%			20.0	%
Brokered time deposits		86,942				86,942				88,503				88,503				88,512				0.0	%			-1.8	%
Total deposits	$	7,055,774			$	6,955,342			$	6,800,622			$	6,677,650			$	6,766,639				1.4	%			4.3	%

	As of
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,
	2026				2026				2026				2025				2025
Composition of Deposit Portfolio
Demand: noninterest-bearing		30.4	%			30.7	%			29.9	%			30.2	%			30.8	%
Demand: interest-bearing		1.2	%			1.2	%			1.1	%			1.1	%			1.3	%
Money market and savings		31.1	%			29.9	%			31.1	%			31.2	%			31.0	%
Time deposits $250,000 and less		18.4	%			18.9	%			19.4	%			19.1	%			18.3	%
Core deposits		81.1	%			80.7	%			81.5	%			81.6	%			81.4	%
Time deposits over $250,000		15.1	%			15.4	%			15.0	%			14.9	%			15.1	%
State of California time deposits		2.6	%			2.6	%			2.2	%			2.2	%			2.2	%
Brokered time deposits		1.2	%			1.3	%			1.3	%			1.3	%			1.3	%
Total deposits		100.0	%			100.0	%			100.0	%			100.0	%			100.0	%

During the third quarter of 2026, Hanmi Financial Corporation issued $55.0 million of fixed-to-floating subordinated notes due July 31, 2036 (the “2036 Notes”). The 2036 Notes carry a fixed interest rate of 6.50% for the first five years. Thereafter, the 2036 Notes will pay interest at a floating rate, reset quarterly, equal to the then-current three-month Secured Overnight Financing Rate (“SOFR”) plus 234 basis points. The 2036 Notes may be redeemed at the option of Hanmi, without penalty, on July 31, 2031 and any interest payment date thereafter, or earlier upon specified events. The proceeds from the issuance of the 2036 Notes and the proceeds from the sale of securities of $44.5 million were used to redeem the $110.0 million callable subordinated notes due 2031 (the “2031 Notes”).

Stockholders’ equity at September 30, 2026 was $808.3 million, compared with $812.7 million at the end of the previous quarter. Offsetting the increase to stockholders’ equity from third quarter net income of $23.7 million were dividends of $8.3 million, share repurchases of $4.9 million, which included $0.1 million in purchases of vested employee stock in respect of Hanmi’s equity compensation programs, and a $16.5 million increase in unrealized after-tax losses on securities available for sale. During the third quarter, under its share repurchase program, Hanmi repurchased 151,048 shares of common stock at an average price of $31.79. As of September 30, 2026, there were 1.84 million shares available under the share repurchase program. In addition to the share repurchase program, Hanmi purchased 2,416 shares of common stock surrendered by employees to satisfy their tax liabilities upon the third-quarter vesting of their equity compensation awards.

Tangible common equity per share at the end of the third quarter of 2026 was $27.03, essentially unchanged from $27.04 at the end of the second 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
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Regulatory Capital ratios(1)
Hanmi Financial
Total risk-based capital		14.47	%			15.29	%			15.22	%			15.06	%			15.05	%			-0.82				-0.58
Tier 1 risk-based capital		12.62	%			12.61	%			12.52	%			12.37	%			12.33	%			0.01				0.29
Common equity tier 1 capital		12.30	%			12.28	%			12.20	%			12.05	%			12.00	%			0.02				0.30
Tier 1 leverage capital ratio		10.82	%			10.94	%			10.93	%			10.70	%			10.64	%			-0.12				0.18
Hanmi Bank
Total risk-based capital		14.33	%			14.48	%			14.45	%			14.25	%			14.28	%			-0.15				0.05
Tier 1 risk-based capital		13.28	%			13.40	%			13.37	%			13.17	%			13.20	%			-0.12				0.08
Common equity tier 1 capital		13.28	%			13.40	%			13.37	%			13.17	%			13.20	%			-0.12				0.08
Tier 1 leverage capital ratio		11.43	%			11.71	%			11.74	%			11.47	%			11.46	%			-0.28				-0.03
(1) Preliminary ratios for September 30, 2026

Asset Quality

	As of or for the Three Months Ended (in thousands)																				Amount Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Nonperforming Loans and Assets
Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	12,968			$	32,773			$	13,274			$	17,610			$	11,560			$	(19,805	)		$	1,408
Nonperforming assets:
Nonaccrual loans	$	8,942			$	9,931			$	12,420			$	18,112			$	19,369			$	(989	)		$	(10,427	)
Loans 90 days or more past due and still accruing		—				—				—				—				—				—				—
Nonperforming loans(1)		8,942				9,931				12,420				18,112				19,369				(989	)			(10,427	)
Other real estate owned, net		1,084				—				—				1,980				1,995				1,084				(911	)
Nonperforming assets(2)	$	10,026			$	9,931			$	12,420			$	20,092			$	21,364			$	95			$	(11,338	)
Delinquent loans to total loans		0.20	%			0.50	%			0.20	%			0.27	%			0.18	%			-0.30				0.02
Nonperforming loans to total loans		0.14	%			0.15	%			0.19	%			0.28	%			0.30	%			-0.01				-0.16
Nonperforming assets to total assets		0.12	%			0.12	%			0.16	%			0.26	%			0.27	%			0.00				-0.15
(1)Excludes an $18.0 million nonperforming loan held for sale as of September 30, 2026.
(2)Excludes repossessed personal property of $0.3 million, $0.3 million, $0.3 million, $0.6 million, and $0.4 million as of Q3-26, Q2-26, Q1-26, Q4-25, and Q3-25, respectively.

Loans 30 to 89 days past due and still accruing were $13.0 million, or 0.20% of loans, at the end of the third quarter of 2026, compared with $32.8 million, or 0.50% of loans, at the end of the second quarter. The $19.8 million decrease was primarily due to the held-for-sale designation of a $21.2 million commercial real estate loan identified as special mention in the first quarter, the resolution of which resulted in a $3.2 million partial charge-off during the third quarter.

Nonaccrual loans were $8.9 million, or 0.14% of loans, at September 30, 2026, compared with $9.9 million, or 0.15% of loans, at June 30, 2026.

Nonperforming assets were $10.0 million, or 0.12% of total assets, at September 30, 2026, compared with $9.9 million, or 0.12% of total assets, at June 30, 2026. Included in nonperforming assets at September 30, 2026 was a $1.1 million other-real-estate-owned property transferred from classified loans during the third quarter.

	As of (in thousands)																				Amount Change
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Criticized Loans
Special mention	$	56,221			$	68,198			$	93,682			$	71,113			$	16,775			$	(11,977	)		$	39,446
Classified		78,196				45,748				22,736				25,891				28,590				32,448				49,606
Total criticized loans(1)	$	134,417			$	113,946			$	116,418			$	97,004			$	45,365			$	20,471			$	89,052
Criticized loans to total loans		2.05	%			1.74	%			1.78	%			1.48	%			0.69	%			0.31				1.36
(1)Includes nonaccrual loans of $8.9 million, $9.9 million, $12.4 million, $18.1 million, and $19.4 million as of Q3-26, Q2-26, Q1-26, Q4-25, and Q3-25, respectively.

Criticized loans were $134.4 million at the end of the third quarter of 2026, compared with $113.9 million at the end of the second quarter of 2026. The $20.5 million increase in criticized loans included a $32.5 million increase in classified loans, partially offset by a $12.0 million decrease in special mention loans. The increase in classified loans was primarily attributable to two multifamily loans downgraded in the third quarter that are subject to rent control restrictions in New York City, totaling $51.4 million, partially offset by the $21.2 million commercial real estate loan that was moved from classified to held-for-sale. The decrease in special mention loans was due primarily to the upgrade of an $11.2 million commercial and industrial loan.

As a percent of total loans, criticized loans were 2.05% as of September 30, 2026, compared with 1.74% as of June 30, 2026.

	As of or for the Three Months Ended (in thousands)
	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,
	2026				2026				2026				2025				2025
Allowance for credit losses related to loans:
Balance at beginning of period	$	70,475			$	70,468			$	69,903			$	69,781			$	66,756
Credit loss expense (recovery) on loans		4,680				1,271				3,163				1,701				2,543
Net loan (charge-offs) recoveries		(4,345	)			(1,264	)			(2,598	)			(1,579	)			482
Balance at end of period	$	70,810			$	70,475			$	70,468			$	69,903			$	69,781
Net loan charge-offs (recoveries) to average loans(1)		0.27	%			0.08	%			0.16	%			0.10	%			-0.03	%
Allowance for credit losses to loans		1.08	%			1.08	%			1.08	%			1.07	%			1.07	%
Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	1,993			$	2,078			$	2,349			$	2,107			$	2,506
Credit loss expense (recovery) on off-balance sheet items		(150	)			(85	)			(271	)			242				(399	)
Balance at end of period	$	1,843			$	1,993			$	2,078			$	2,349			$	2,107
Unused commitments to extend credit	$	990,715			$	946,544			$	891,594			$	930,122			$	952,475
(1)Annualized

The allowance for credit losses was $70.8 million, or 1.08% of loans, at September 30, 2026, compared with $70.5 million, or 1.08% of loans, at June 30, 2026. Collectively evaluated allowances increased $1.0 million, while specific allowances decreased $0.7 million.

Gross charge-offs for the third quarter of 2026 were $5.0 million, compared with $1.9 million for the preceding quarter. Charge-offs during the third quarter included $3.2 million on the previously mentioned problem loan held for sale at September 30, 2026 and $1.4 million for equipment financing agreements. Recoveries of previously charged off loans were $0.7 million, substantially all of which were equipment financing agreements. As a result, there were $4.3 million of net charge-offs for the third quarter of 2026, or 0.27% of loans (annualized), compared with $1.3 million of net charge-offs, or 0.08% of loans (annualized), for the second quarter of 2026.

Corporate Developments
On July 23, 2026, Hanmi’s Board of Directors declared a cash dividend on its common stock of $0.28 per share for the 2026 third quarter. Hanmi paid the dividend on August 19, 2026, to stockholders of record as of the close of business on August 3, 2026.

Earnings Conference Call
Hanmi Bank will host its third quarter 2026 earnings conference call today, October 27, 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 and the shape of the yield curve 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)

	September 30,				June 30,				Percentage				September 30,				Percentage
	2026				2026				Change				2025				Change
Assets
Cash and due from banks	$	348,576			$	331,206				5.2	%		$	215,654				61.6	%
Securities available for sale, at fair value		869,499				896,610				-3.0	%			904,721				-3.9	%
Loans held for sale, at the lower of cost or fair value		31,242				16,969				84.1	%			6,512				379.8	%
Loans, net of allowance for credit losses		6,497,891				6,464,837				0.5	%			6,458,478				0.6	%
Accrued interest receivable		25,404				24,613				3.2	%			23,986				5.9	%
Premises and equipment, net		20,380				20,251				0.6	%			20,340				0.2	%
Customers’ liability on acceptances		467				116				302.6	%			342				36.5	%
Servicing assets		6,693				6,419				4.3	%			6,484				3.2	%
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		56,359				56,048				0.6	%			56,382				0.0	%
Prepaid expenses and other assets		159,861				156,988				1.8	%			136,416				17.2	%
Total assets	$	8,043,788			$	8,001,473				0.5	%		$	7,856,731				2.4	%
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,146,060			$	2,135,418				0.5	%		$	2,087,132				2.8	%
Interest-bearing		4,909,714				4,819,924				1.9	%			4,679,507				4.9	%
Total deposits		7,055,774				6,955,342				1.4	%			6,766,639				4.3	%
Accrued interest payable		28,131				27,530				2.2	%			34,219				-17.8	%
Bank's liability on acceptances		467				116				302.6	%			342				36.5	%
Borrowings		—				—				0.0	%			62,500				-100.0	%
Subordinated debentures		76,147				130,773				-41.8	%			130,309				-41.6	%
Accrued expenses and other liabilities		74,960				75,032				-0.1	%			83,172				-9.9	%
Total liabilities		7,235,479				7,188,793				0.6	%			7,077,181				2.2	%
Stockholders’ equity:
Common stock		34				34				0.0	%			34				0.0	%
Additional paid-in capital		597,236				596,303				0.2	%			593,768				0.6	%
Accumulated other comprehensive (loss)		(62,372	)			(46,552	)			-34.0	%			(47,959	)			30.1	%
Retained earnings		438,893				423,499				3.6	%			381,183				15.1	%
Less treasury stock		(165,482	)			(160,604	)			-3.0	%			(147,476	)			12.2	%
Total stockholders’ equity		808,309				812,680				-0.5	%			779,550				3.7	%
Total liabilities and stockholders’ equity	$	8,043,788			$	8,001,473				0.5	%		$	7,856,731				2.4	%

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

	Three Months Ended
	September 30,				June 30,				Percentage				September 30,				Percentage
	2026				2026				Change				2025				Change
Interest and dividend income:
Interest and fees on loans	$	97,977			$	94,808				3.3	%		$	95,691				2.4	%
Interest on securities		6,819				6,337				7.6	%			6,592				3.4	%
Dividends on FHLB stock		451				219				105.9	%			357				26.3	%
Interest on deposits in other banks		3,409				1,958				74.1	%			2,586				31.8	%
Total interest and dividend income		108,656				103,322				5.2	%			105,226				3.3	%
Interest expense:
Interest on deposits		39,271				37,774				4.0	%			42,244				-7.0	%
Interest on borrowings		—				154				-100.0	%			324				-100.0	%
Interest on subordinated debentures		1,815				1,537				18.1	%			1,579				14.9	%
Total interest expense		41,086				39,465				4.1	%			44,147				-6.9	%
Net interest income before credit loss expense		67,570				63,857				5.8	%			61,079				10.6	%
Credit loss expense		4,530				1,186				282.0	%			2,145				111.2	%
Net interest income after credit loss expense		63,040				62,671				0.6	%			58,934				7.0	%
Noninterest income:
Service charges on deposit accounts		2,080				2,102				-1.0	%			2,160				-3.7	%
Trade finance and other service charges and fees		1,892				1,902				-0.5	%			1,551				22.0	%
Gain on sale of Small Business Administration (“SBA”) loans		2,284				1,318				73.3	%			1,857				23.0	%
Gain on sale of residential mortgage loans		279				357				-21.8	%			1,156				-75.9	%
Other operating income		2,495				2,669				-6.5	%			3,156				-20.9	%
Total noninterest income		9,030				8,348				8.2	%			9,880				-8.6	%
Noninterest expense:
Salaries and employee benefits		23,334				22,784				2.4	%			22,163				5.3	%
Occupancy and equipment		4,529				4,383				3.3	%			4,507				0.5	%
Data processing		4,706				4,555				3.3	%			3,860				21.9	%
Professional fees		1,696				1,997				-15.1	%			1,978				-14.3	%
Supplies and communications		489				491				-0.4	%			423				15.6	%
Advertising and promotion		728				679				7.2	%			712				2.2	%
Other operating expenses		4,367				4,150				5.2	%			3,714				17.6	%
Total noninterest expense		39,849				39,039				2.1	%			37,357				6.7	%
Income before tax		32,221				31,980				0.8	%			31,457				2.4	%
Income tax expense		8,538				8,475				0.7	%			9,396				-9.1	%
Net income	$	23,683			$	23,505				0.8	%		$	22,061				7.4	%
Basic earnings per share:	$	0.80			$	0.79							$	0.73
Diluted earnings per share:	$	0.80			$	0.79							$	0.73
Weighted-average shares outstanding:
Basic		29,388,692				29,514,712								29,830,475
Diluted		29,569,858				29,689,113								29,880,865
Common shares outstanding		29,496,736				29,650,306								29,975,371

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

	Nine Months Ended
	September 30,				September 30,				Percentage
	2026				2025				Change
Interest and dividend income:
Interest and fees on loans receivable	$	286,651			$	279,168				2.7	%
Interest on securities		19,115				19,022				0.5	%
Dividends on FHLB stock		1,501				1,071				40.1	%
Interest on deposits in other banks		6,863				6,554				4.7	%
Total interest and dividend income		314,130				305,815				2.7	%
Interest expense:
Interest on deposits		113,783				124,727				-8.8	%
Interest on borrowings		830				3,032				-72.6	%
Interest on subordinated debentures		4,887				4,746				3.0	%
Total interest expense		119,500				132,505				-9.8	%
Net interest income before credit loss expense		194,630				173,310				12.3	%
Credit loss expense		8,608				12,496				-31.1	%
Net interest income after credit loss expense		186,022				160,814				15.7	%
Noninterest income:
Service charges on deposit accounts		6,309				6,546				-3.6	%
Trade finance and other service charges and fees		5,295				4,409				20.1	%
Gain on sale of Small Business Administration (“SBA”) loans		5,705				6,018				-5.2	%
Gain on sale of residential mortgage loans		1,121				1,331				-15.8	%
Other operating income		7,487				7,372				1.6	%
Total noninterest income		25,917				25,676				0.9	%
Noninterest expense:
Salaries and employee benefits		68,074				65,204				4.4	%
Occupancy and equipment		13,326				13,301				0.2	%
Data processing		13,647				11,374				20.0	%
Professional fees		6,473				5,171				25.2	%
Supplies and communications		1,536				1,455				5.6	%
Advertising and promotion		2,096				2,094				0.1	%
Other operating expenses		12,104				10,090				20.0	%
Total noninterest expense		117,256				108,689				7.9	%
Income before tax		94,683				77,801				21.7	%
Income tax expense		24,938				22,951				8.7	%
Net income	$	69,745			$	54,850				27.2	%
Basic earnings per share:	$	2.35			$	1.82
Diluted earnings per share:	$	2.33			$	1.82
Weighted-average shares outstanding:
Basic		29,509,964				29,905,265
Diluted		29,690,052				29,955,366
Common shares outstanding		29,496,736				29,975,371

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

	Three Months Ended
	September 30, 2026											June 30, 2026											September 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)	$	4,017,696			$	59,167			5.84	%		$	3,986,661			$	57,244			5.76	%		$	3,934,477			$	56,908			5.74	%
Residential mortgage (1)		991,153				13,281			5.36	%			1,001,859				13,511			5.39	%			1,020,889				13,812			5.37	%
Commercial and industrial (1)		1,090,135				19,276			7.02	%			1,065,744				17,467			6.57	%			904,019				17,593			7.72	%
Consumer		5,670				98			6.90	%			5,711				92			6.44	%			8,323				156			7.43	%
Equipment finance		355,169				6,155			6.93	%			381,878				6,494			6.80	%			436,727				7,222			6.61	%
Total loans (1)		6,459,823				97,977			6.03	%			6,441,853				94,808			5.90	%			6,304,435				95,691			6.03	%
Securities (2)		966,574				6,819			2.85	%			950,786				6,337			2.69	%			985,888				6,592			2.70	%
FHLB stock		16,385				451			10.92	%			16,385				219			5.36	%			16,385				358			8.65	%
Interest-bearing deposits in other banks		370,575				3,409			3.65	%			221,361				1,958			3.55	%			239,993				2,585			4.27	%
Total interest-earning assets		7,813,357				108,656			5.53	%			7,630,385				103,322			5.43	%			7,546,701				105,226			5.54	%
Noninterest-earning assets:
Cash and due from banks		47,625											48,769											53,144
Allowance for credit losses		(70,267	)										(70,249	)										(67,851	)
Other assets		265,516											255,426											252,039
Total assets	$	8,056,231										$	7,864,331										$	7,784,033
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	83,470			$	35			0.16	%		$	81,682			$	33			0.16	%		$	86,839			$	38			0.17	%
Money market and savings		2,159,553				14,680			2.70	%			2,056,148				13,540			2.64	%			2,122,967				17,238			3.22	%
Time deposits		2,657,593				24,556			3.67	%			2,646,480				24,201			3.67	%			2,494,285				24,968			3.97	%
Total interest-bearing deposits		4,900,616				39,271			3.18	%			4,784,310				37,774			3.17	%			4,704,091				42,244			3.56	%
Borrowings		—				—			0.00	%			15,330				154			4.06	%			27,772				324			4.63	%
Subordinated debentures		132,407				1,815			5.48	%			130,695				1,537			4.70	%			130,766				1,579			4.83	%
Total interest-bearing liabilities		5,033,023				41,086			3.24	%			4,930,335				39,465			3.21	%			4,862,629				44,147			3.60	%
Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		2,034,788											1,963,242											1,960,331
Other liabilities		126,211											120,896											142,592
Stockholders’ equity		862,209											849,858											818,481
Total liabilities and stockholders’ equity	$	8,056,231										$	7,864,331										$	7,784,033
Net interest income					$	67,570										$	63,857										$	61,079
Cost of deposits									2.25	%										2.25	%										2.51	%
Net interest spread (taxable equivalent basis)									2.29	%										2.22	%										1.94	%
Net interest margin (taxable equivalent basis)									3.44	%										3.36	%										3.22	%
(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)

	Nine Months Ended
	September 30, 2026											September 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)	$	3,989,706			$	172,248			5.77	%		$	3,950,295			$	168,156			5.69	%
Residential mortgage(1)		1,009,483				40,827			5.39	%			990,848				39,816			5.37	%
Commercial and industrial(1)		1,060,241				53,712			6.77	%			840,404				48,051			7.64	%
Consumer		5,560				274			6.58	%			7,673				414			7.21	%
Equipment finance		380,434				19,590			6.87	%			461,770				22,731			6.56	%
Loans receivable(1)		6,445,424				286,651			5.94	%			6,250,990				279,168			5.97	%
Securities(2)		946,309				19,115			2.72	%			993,730				19,022			2.58	%
FHLB stock		16,385				1,501			12.25	%			16,385				1,071			8.74	%
Interest-bearing deposits in other banks		255,357				6,863			3.59	%			205,663				6,554			4.26	%
Total interest-earning assets		7,663,475				314,130			5.48	%			7,466,768				305,815			5.48	%
Noninterest-earning assets:
Cash and due from banks		49,669											53,596
Allowance for credit losses		(69,937	)										(69,233	)
Other assets		256,302											250,485
Total assets	$	7,899,509										$	7,701,616
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	80,070			$	96			0.16	%		$	82,533			$	95			0.15	%
Money market and savings		2,093,315				41,302			2.64	%			2,090,118				51,016			3.26	%
Time deposits		2,609,354				72,385			3.71	%			2,425,309				73,616			4.06	%
Total interest-bearing deposits		4,782,739				113,783			3.18	%			4,597,960				124,727			3.63	%
Borrowings		27,985				830			3.96	%			88,561				3,032			4.58	%
Subordinated debentures		131,222				4,887			4.97	%			130,788				4,746			4.84	%
Total interest-bearing liabilities		4,941,946				119,500			3.23	%			4,817,309				132,505			3.68	%
Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,978,909											1,930,659
Other liabilities		127,056											142,425
Stockholders’ equity		851,598											811,223
Total liabilities and stockholders’ equity	$	7,899,509										$	7,701,616
Net interest income					$	194,630										$	173,310
Cost of deposits									2.25	%										2.55	%
Net interest spread (taxable equivalent basis)									2.25	%										1.80	%
Net interest margin (taxable equivalent basis)									3.40	%										3.11	%
(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)

	September 30,				June 30,				March 31,				December 31,				September 30,
Hanmi Financial Corporation and Subsidiaries	2026				2026				2026				2025				2025
Assets	$	8,043,788			$	8,001,473			$	7,839,227			$	7,869,185			$	7,856,731
Less goodwill and other intangible assets		(11,031	)			(11,031	)			(11,031	)			(11,031	)			(11,031	)
Tangible assets	$	8,032,757			$	7,990,442			$	7,828,196			$	7,858,154			$	7,845,700
Stockholders’ equity(1)	$	808,309			$	812,680			$	802,819			$	796,386			$	779,550
Less goodwill and other intangible assets		(11,031	)			(11,031	)			(11,031	)			(11,031	)			(11,031	)
Tangible stockholders’ equity(1)	$	797,278			$	801,649			$	791,788			$	785,355			$	768,519
Stockholders’ equity to assets		10.05	%			10.16	%			10.24	%			10.12	%			9.92	%
Tangible common equity to tangible assets(1)		9.93	%			10.03	%			10.11	%			9.99	%			9.80	%
Common shares outstanding		29,496,736				29,650,306				29,806,694				29,894,757				29,975,371
Tangible common equity per common share	$	27.03			$	27.04			$	26.56			$	26.27			$	25.64
(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	Sep 30,				Jun 30,				Mar 31,				Dec 31,				Sep 30,				Q3-26				Q3-26
Subsidiaries	2026				2026				2026				2025				2025				vs. Q2-26				vs. Q3-25
Net income	$	23,683			$	23,505			$	22,557			$	21,239			$	22,061
Add back:
Credit loss expense		4,530				1,186				2,892				1,943				2,145
Income tax expense		8,538				8,475				7,925				8,887				9,396
Preprovision net revenue	$	36,751			$	33,166			$	33,374			$	32,069			$	33,602				10.8	%			9.4	%

EXHIBIT 99.2

California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington 3 Q 2 6 E a r n i ng s S u p pl e m e n ta l P r e s e n t a t i o n October 27, 2026 NASDAQ | HAFC

2 TABLE OF CONTENTS 3Q26 PERFORMANCE RESULTS LOAN PORTFOLIO DETAILS 3Q26 FINANCIAL SUMMARY NON - GAAP RECONCILIATION 5 – 21 22 – 30 31 32 – 34

3 FORWARD - LOOKING STATEMENTS Hanmi Financial Corporation (the “Company”) cautions investors that any statements contained herein that are not historical facts are forward - looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 , including, but not limited to, those statements regarding operating performance, financial position, financial results and liquidity, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, and all other forecasts and statements of expectation or assumption underlying any of the foregoing . These statements involve known and unknown risks and uncertainties that are difficult to predict . Investors should not rely on any forward - looking statement and should consider risks, such as a failure to maintain adequate levels of capital and liquidity to support our operations, general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions, volatility and deterioration in the credit and equity markets, changes in investor sentiment or consumer spending, borrowing and savings habits, availability of capital from private and government sources, demographic changes, competition for loans and deposits and failure to attract or retain loans and deposits, inflation and fluctuations in interest rates and the shape of the yield curve 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 . 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 October 27 , 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 .

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 $23.7M Diluted EPS $0.80 ROAA 1.17% ROAE 10.90% NIM 3.44% Efficiency Ratio 52.02% Earnings Performance • Net income increased 0.8% from the second quarter, with 10.8% growth in preprovision net revenue 1 offset by a $3.3 million increase in credit loss expense from a single loan charge - off. • Net interest income increased 5.8% to $67.6 million, reflecting 2.4% growth in average interest - earning assets, which was funded by 2.8% growth in average deposits. • Net interest margin was 3.44%, up 8 bps; the average yield on loans increased 13 bps while the average rate on interest - bearing deposits increased only 1 bp. Deposits and Loans • Deposits grew 1.4% to $7.06 billion, with core deposits up 1.9% and noninterest - bearing deposits stable at 30.4% of total deposits. • Loans increased 0.5% to $6.57 billion as new loan production increased 46.2%, or $171.7 million, partially offset by an increase in payoffs of $127.0 million. Asset Quality and Capital • Hanmi recognized a $3.2 million charge - off on a $21.2 million commercial real estate loan when it was moved to held - for - sale; asset quality however remained strong with nonperforming assets to total assets unchanged from the second quarter at 0.12% and a low 0.14% ratio of nonperforming loans to total loans. • Hanmi returned 55.6% of third quarter earnings to shareholders, comprising $8.3 million in dividends and $4.9 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets (1) at 9.93% and a common equity Tier 1 capital ratio of 12.30%. 3 Q 26 HIGHLIGHTS (1) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide.

LOAN PRODUCTION 6 Loan production was $543.6 million for the third quarter, which included commercial & industrial loan production of $170.3 million , a 91% increase quarter - over - quarter. (1) Weighted average interest rate is the stated loan interest rate weighted by the loan amount. (2) Production includes mortgage loan purchases of $3.0 million, $3.4 million, $12.3 million, and $4.7 million for 3Q25, 4Q25, 2Q26, and 3Q26, respectively. (3) $44.9 million, $44.1 million, $40.7 million, $37.1 million, and $41.0 million of SBA loan production includes $20.6 million, $22.3 million, $23.9 million, $20.2 million, and $21.2 million of loans secured by CRE and the remainder represents C&I loans for 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26, respectively. $226.9M Commercial real estate loan production $170.3M Commercial and industrial loan production $28.2M Equipment finance production $77.1M Residential mortgage production $41.0M SBA loan production 31% 34% 35% 46% 42% 37% 31% $570.8 8% 18% 6% $374.8 12% 19% 14% 21% $377.9 11% 8% 11% 35% $371.9 10% 13% 7% 24% $543.6 8% 14% 5% 6.91% 6.90% 6.54% 6.59% 6.61% 3Q26 SBA (3) 3Q25 CRE 4Q25 C&I 1Q26 Equipment Finance 2Q26 RRE (2) New Production and Weighted Average Interest Rate (1) ($ in millions)

CRE Multifamily 7% Equipment Finance 5% (2) CRE Construction 1% (2,5) CRE Owner Occupied (1, 2) 13% CRE Investor (1, 2) (non - owner) 41% RRE (3) 15% C&I (1,6) 18% $6.57 Billion Loan Portfolio (as of September 30, 2026) LOAN PORTFOLIO 7 Note: Numbers may not add due to rounding. (1) Includes syndicated loans of $574.7 million in total commitments ($476.0 million disbursed) across C&I ($473.1 million committed and $388.4 million disbursed) and CRE ($101.6 million committed and $87.6 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 $4.9 million in consumer loans. (4) Weighted average LTV and weighted average DCR calculated when the loan was first underwritten or renewed subsequently. (5) $83.8 million, or 17.4%, of the CRE multifamily loans are subject to rent restrictions in New York City. (6) Includes $272.9 million of loans to nondepository financial institutions (NDFI), principally mortgage credit intermediaries. 3Q26 Average Yield Outstanding ($ in millions) 5.84% $4,056 Commercial Real Estate (CRE) (1,2) Portfolio 5.37% $1,002 Residential Real Estate (RRE) (3) Portfolio 7.02% $1,172 Commercial & Industrial (C&I) (1,6) Portfolio 6.93% $339 Equipment Finance Portfolio Weighted Average Debt Coverage Ratio (4) Weighted Average Loan - to - Value Ratio (4) # of Loans 2.06x 48.5% 846 CRE (2) Investor (non - owner) 2.92x 50.3% 726 CRE (2) Owner Occupied 1.72x 56.0% 165 CRE (2,5) Multifamily

$4,901 $4,784 $4,661 $4,714 $4,704 3Q26 2Q26 1Q26 4Q25 3Q25 3.56% 3.36% 3.20% 3.17% 3.18% Rate on Interest - Bearing Deposits Average Interest - Bearing Deposits DEPOSIT PORTFOLIO Total deposits increased 1.4% to $7.06 billion from the prior quarter. Noninterest - bearing demand deposits represented 30.4% of total deposits at September 30, 2026. Estimated uninsured deposits were 46.3% of total deposits. Brokered deposits remained low at 1.2% of total deposits. Note: Numbers may not add due to rounding. Deposits 8 ($ in millions) ($ in millions) 1% 1% 1% 1% 1% 31% 31% 31% 30% 31% 19% 1% 20% 1% 20% 1% 19% 1% 19% 1% 15% 15% 15% 15% 15% 2% 2% 2% 3% 3% $6,767 $6,678 $6,801 $6,955 $7,056 30% 31% 30% 30% 31% 3Q26 2Q26 1Q26 4Q25 3Q25 State of California time deposits Time <= $250K Money Market & Savings Demand Noninterest - bearing Time > $250K Brokered time deposits Demand Interest - bearing

9 $63.9 $67.6 3.38% 3.36% 3.44% 3.22% (1) 3.28% (2) 3Q25 4Q25 1Q26 Net Interest Income 2Q26 3Q26 NIM (4) (3) (4) NET INTEREST INCOME | NET INTEREST MARGIN ($ in millions) $61.1 (1) $62.9 (2) $63.2 (3) 3.36% 3.44% 0.02% 0.08% 2Q26 Securities Sub debt 3Q26 IB - deposits at banks and FHLB SF Increase Decrease Net interest income for the third quarter was $67.6 million and net interest margin (taxable equivalent) was 3.44% . 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 (4) Includes $0.4 million of loan interest reversals, $1.2 million of prepayment fees and accelerated deferred fee income from loan payoffs, and a $0.2 million special dividend from FHLB as well as additional $0.3 million interest expense associated with subordinated debentures from the overlapping of the newly issued 2036 Notes and the redemption of the 2031 Notes; these items represented approximately 4 bps of net interest margin - 0.02%

10 6.04% 5.95% 5.90% 5.93% 5.99% 5.95% 6.05% 5.89% 5.91% 5.93% 5.94% 6.20% 4.29% 4.22% 3.83% 3.67% 3.60% 3.58% 3.50% 3.27% 3.18% 3.17% 3.18% 3.19% 5.50% 4.50% 4.25% 3.75% 3.75% 4.00% Aug - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Aug - 25 Sep - 25 Dec - 25 Mar - 26 Jun - 26 Aug - 26 Sep - 26 NET INTEREST INCOME SENSITIVITY $104.0 $91.8 $16.0 $4.8 $941.0 $673.0 $437.0 3.69% 3.70% $1,045.0 $764.8 $453.0 $312.2 $307.4 3.71% 3.65% 4Q26 3Q27 1Q27 Wholesale 2Q27 Retail 4.25% 3.75% 3.75% 3.75% 4.00% 3.97% 3.93% 3.80% 3.67% 3.67% 3Q25 4Q25 1Q26 2Q26 3Q26 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 the monthly average yield and rate, respectively. Fed funds rate is the upper - range 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%, between August 2025, when the fed funds rate was 4.50%, and August 2026, when the fed funds rate was 3.75%, and between August 2026, when the fed funds rate was 3.75%, and September 2026, when the fed funds rate was 4.00%. (2) Average rates on CDs and interest - bearing deposits for the month of September 2026 were 3.69% and 3.19%, respectively. (3) Fed funds rate represents the upper - range target rate at the end of the quarter. (4) Represent the weighted average contractual rates. Fed Funds Rate Yield on Loans Rate on Interest - bearing deposits Loan & Deposit Beta (1) Fed Funds Rate & Rate on CDs Rate on CDs (2) Deposits – CD Maturities 㸦 $ in millions 㸧 Change in the Fed Funds Rate: Deposit Beta: Time Horizon: Aug 24 – Aug 25 - 100 bps 71% Aug 25 – Aug 26 - 75 bps 53% Aug 26 – Sep 26 +25 bps 8%

11 $2.1 32% $1.9 29% $1.0 15% $0.3 4% $1.3 20% Service charges on deposit accounts Trade finance and other service charges and fees Servicing income Bank - owned life insurance All other operating income NONINTEREST INCOME $44.1 $40.7 $37.1 $44.9 $32.6 $29.9 $32.5 $20.9 $41.0 $34.0 6.95% 7.40% 7.88% 7.92% 8.10% 3Q25 4Q25 1Q26 SBA Loan Sales SBA Production 2Q26 3Q26 SBA Trade Premium $6.6 $1.9 $1.3 $2.3 $1.2 $0.3 $0.2 $8.3 $8.5 $8.3 $9.0 3Q25 4Q25 1Q26 2Q26 - $0.1 3Q26 Noninterest Income 㸦 $ in millions 㸧 $9.9 $6.8 (1) $0.5 $0.6 $2.1 $1.8 $5.9 (1) $5.9 $6.7 (1) Gain on sale of SBA loans Loss on sale of securities Service charges, fees & other Gain on sale of mortgage loans (2) Numbers may not add due to rounding. (1) Includes $0.9 million, $0.3 million, and $0.5 million in BOLI death benefits for 3Q25, 1Q26, and 2Q26, respectively. (2) 3Q25 had two transactions while 4Q25, 1Q26, 2Q26, and 3Q26 each had one mortgage loan sale transaction. Noninterest income for the third quarter was $9.0 million , up 8.2% from the second quarter, primarily due to a $1.0 million increase in gain on sale of SBA loans. 3Q26 Service Charges, Fees & Other 㸦 $ in millions 㸧 SBA 7(a) Loan Production and Sales 㸦 $ in millions 㸧

NONINTEREST EXPENSE 12 (1) Includes a $0.8 million gain from the sale of OREO properties in 1Q26. (2) Includes $1.1 million of expense associated with subordinated debt early redemption in 3Q26. Noninterest expense was $39.8 million for the third quarter, up 2.1% from the second quarter, primarily due to the acceleration of amortization costs related to the early redemption of our subordinated debt. $5.6 $1.7 $4.7 $4.5 $37.4 $4.8 $2.0 $3.9 $4.5 $39.1 $5.9 $2.3 $4.1 $4.3 $39.0 $5.2 $2.0 $4.6 $4.4 $39.8 1.90% $23.3 $22.8 $22.0 $22.5 $22.2 3Q26 2Q26 1Q26 4Q25 3Q25 Data Processing Occupancy and equipment All other expenses benefits Salaries and employee Professional Fees 1.98% 2.00% 1.99% 1.96% $38.4 $4.8 (1) $2.8 $4.4 $4.4 Noninterest expense / average total assets (annualized) ($ in millions) (2)

13 $4.1 $12.4 $5.2 $28.7 $11.6 $7.0 $4.6 $17.6 $13.3 $8.9 $4.4 $32.8 $13.0 $9.4 $3.6 0.18% 0.27% 0.20% 0.50% 0.20% 3Q25 4Q25 1Q26 2Q26 3Q26 All Other Delinquent Loans Equipment Finance Delinquent Loans Note: Numbers may not add due to rounding. (1) Represents loans 30 to 89 days past due and still accruing. ASSET QUALITY – DELINQUENT & CRITICIZED LOANS Delinquent loans / Total loans $22.7 $45.7 $78.2 $16.8 $93.7 $68.2 $56.2 $45.4 $97.0 $116.4 $113.9 $134.4 0.69% 1.48% 1.78% 1.74% 2.05% 3Q25 4Q25 Classified 1Q26 2Q26 Special Mention $28.6 (3) $25.9 (3) (4,5) $71.1 3Q26 Criticized loans / Total loans (2) Includes nonaccrual loans of $19.4 million, $18.1 million, $12.4 million, $9.9 million, and $8.9 million as of 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26, respectively. (3) Includes a CRE loan designated nonaccrual of $10.6 million and $10.2 million for 3Q25 and 4Q25, respectively. (4) Includes a C&I relationship in the retail industry of $11.8 million, $11.6 million, $11.4 million, and $11.2 million for 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (5) Includes a CRE loan of $55.0 million, $54.8 million, $54.5 million, and $54.2 million in the hospitality industry for 4Q25, 1Q26, 2Q26, and 3Q26, respectively. (6) Includes a CRE loan in the retail industry of $21.2 million for 1Q26 and 2Q26. (7) Includes two multifamily CRE loans totaling $51.4 million for 3Q26. The $19.8 million decrease in delinquent loans in the third quarter was primarily driven by the held - for - sale designation of a $21.2 million commercial real estate loan. Delinquent Loans (1) 㸦 $ in millions 㸧 Criticized Loans (2) 㸦 $ in millions 㸧 (4) (4,5,6) (6) (4, 5) (5) (6) (7)

$9.9 0.16% 0.12% ASSET QUALITY – NONPERFORMING ASSETS & NONACCRUAL LOANS $0.3 assets / al Loans (2) 㸦 $ in millions 㸧 $18.1 Nonaccru $19.4 Nonperforming assets were $10.0 million at the end of the third quarter. Nonperforming Assets (1) 㸦 $ in millions 㸧 $8.9 $2.4 $3.0 $3.5 3Q26 $9.9 $2.5 $3.2 $4.2 2Q26 $12.4 $3.2 $2.5 $2.0 $4.7 1Q26 (4) $10.2 $1.7 $1.1 $5.1 4Q25 $10.6 $1.7 $6.8 3Q25 0.12% $10.0 $1.1 $8.9 Nonperforming 0.27% 0.26% total assets $21.4 $20.1 $2.0 $2.0 $12.4 $19.4 $18.1 $12.4 $9.9 Residential Real Estate (3) All other CRE and C&I >= $3M 14 Equipment Finance All other CRE and C&I < $3M r 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26, respectively. 1.9 million, respectively. illion fo n, and $ llion, and $0.3 m illion, $2.6 millio 3Q26 n, $0.3 mi on, $3.2 m 3Q25 4Q25 1Q26 2Q26 Nonperforming loans OREO Note: Numbers may not add due to rounding. (1) Nonperforming assets exclude repossessed personal property of $0.4 million, $0.6 million, $0.3 millio (2) Specific allowance for credit losses for 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26 was $4.4 million, $3.4 milli (3) Residential real estate includes consumer loans. (4) Includes a CRE loan with a balance of $10.2 million at 4Q25.

15 $2.4 $2.0 $3.0 $1.6 $1.4 $0.2 $0.9 $0.2 $0.3 $2.6 $2.9 $3.2 $1.9 $3.6 (2) $5.0 3Q25 4Q25 1Q26 Equipment Finance Charge - offs 2Q26 3Q26 All Other Loan Charge - offs ASSET QUALITY – GROSS & NET LOAN CHARGE - OFFS $1.4 $2.4 $1.0 $0.8 $0.2 $0.2 $0.3 ($0.5) $1.6 $1.6 $2.6 $1.3 $3.5 (2) $4.3 - 0.03% 0.10% 0.16% 0.08% 0.27% 3Q25 4Q25 1Q26 2Q26 3Q26 Equipment Finance Net Charge - offs 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. (2) Includes a $3.2 million commercial real estate loan charge - off in the retail industry. Net charge - offs for the third quarter were $4.3 million , or 27 bps annualized, stemming from a $3.2 million partial charge - off on a CRE loan. Absent this charge - off, annualized net charge - offs to average loans would have been 7 bps . Gross Charge - offs 㸦 $ in millions 㸧 Net Charge - offs (Recoveries) 㸦 $ in millions 㸧 Net charge - offs / average loans ( ($2.1 (1) )

16 $70.8 $70.5 $70.5 $69.9 $69.8 3Q26 2Q26 1Q26 4Q25 3Q25 1.07% 1.07% 1.08% 1.08% 1.08% Allowance for credit losses ACL to Loans $2.1 $1.9 $2.9 $1.2 $4.5 3Q25 4Q25 1Q26 Credit loss expense 2Q26 3Q26 The allowance for credit losses was $70.8 million at September 30, 2026, or 1.08% of total loans, effectively unchanged from the prior quarter. Allowance for Credit Losses 㸦 $ in millions 㸧 Credit Loss Expense 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 $ 4,015.3 $ 40.2 $ 4,030.1 $ 38.7 $ 3,998.1 $ 36.8 $ 4,022.3 $ 37.4 $ 4,055.7 $ 40.0 CRE 1,052.5 7.3 1,074.9 7.8 1,152.6 8.8 1,171.3 8.7 1,171.6 8.1 C&I 416.9 11.0 408.5 10.4 392.6 11.6 362.8 12.7 339.6 11.1 Equipment Finance 1,043.6 11.3 1,049.9 13.0 1,002.2 13.3 978.9 11.7 1,001.8 11.6 RRE & Consumer $ 6,528.3 $ 69.8 $ 6,563.4 $ 69.9 $ 6,545.5 $ 70.5 $ 6,535.3 $ 70.5 $ 6,568.7 $ 70.8 Total ($ in millions) September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025

18 15 Year 61% 20 Year 19% 30 Year (2) 20% SECURITIES PORTFOLIO $233 $333 $216 $182 $29 $30 $25 $18 $262 $363 $241 $200 2025 Actual 2028 2027 Interest 1% US Agy MBS - Residential 58% US Agy MBS - Commercial 17% US Agy CMO 10% Municipal 14% UST 23% US Agy 4% US Agy MBS - Residential 40% US Agy MBS - Commercial 8% US Agy CMO 17% Municipal 8% Available for Sale (1) $958 Million < 1 Year 16% 1 to 3 Year 25% 3 to 5 Years 38% > 5 Years 21% Unrealized Loss $88 Million UST Securities Duration 3.5 Years US Agy Residential MBS Maturity $384 Million (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 consisted of $216.9 million of principal paydown, $44.5 million received from the sale of U.S. Treasuries, and $22.6 million of interest payments received. The $957.9 million securities portfolio (all AFS, no HTM) represented 12% of assets at September 30, 2026, and had a weighted average modified duration of 3.5 years with $88.2 million in an unrealized loss position. Principal Paydowns (3) 㸦 $ in millions 㸧

19 LIQUIDITY 3Q25 4Q25 (1) Rate at September 30, 2026, based on 3 - month SOFR + 166 bps; subject to a rate cap of 5.66% effective on September 15, 2026 and maturing on September 15, 2028 (2) Issued in July 2026 and due in July 2036. The interest rate is fixed at 6.50% for 5 years. The rate resets quarterly commencing July 31, 2031 to the 3 - month SOFR + 234 bps. 15.6% 15.8% 15.4% 17.2% 17.0% 17.6% 17.4% 15.5% 15.1% 15.1% 15.2% 15.2% 13.4% 13.5% 13.5% 1.2% 1.2% 1.3% 1.3% 1.3% 1Q26 2Q26 3Q26 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 Amortized Liquidity Ratios % of Assets Balance 4.3% 349 $ Cash & cash equivalents 10.8% 866 Securities (unpledged) 0.4% 31 Loans held for sale 15.5% 1,245 Liquid Assets 18.9% 1,516 FHLB available borrowing capacity 10.4% 833 FRB discount window borrowing capacity 1.7% 140 Federal funds lines (unsecured) available 31.0% 2,489 Secondary Liquidity Sources 46.5% 3,734 $ Bank Liquidity (Liquid Assets + Secondary Liquidity) Balance 4 $ Cash 4 Securities (AFS) 8 $ Rate Cost Par 5.56% (1) $ 23 $ 26 2036 Trust Preferred Securities 6.50% (2) 54 55 2036 Subordinated Debt $ 77 $ 82 The Bank and the Company had ample liquidity resources at September 30, 2026.

20 42% 53% 36% 42% 43% $22.1 $21.2 $22.6 21% 22% 26% 21% 9% 36% 36% 38% 38% 37% 3Q26 2Q26 1Q26 4Q25 3Q25 $23.5 $23.7 9.80% 9.99% 10.11% 10.03% 9.93% Dividends Share Repurchases (2) Net Income - Retained (3) $25.64 $26.27 $26.56 $27.04 $27.03 9.93% 10.41% 9.80% 10.54% 9.99% 10.70% 10.11% 10.62% 10.03% 10.71% 3Q25 4Q25 3Q26 TCE/TA (1) 1Q26 2Q26 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 $1.1 million, $0.4 million, and $0.1 million for 1Q26, 2Q26, and 3Q26, 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) was essentially unchanged at $27.03 at the end of the third quarter. TBVPS (1) & TCE/TA (1) Dividends, Share Repurchases & TCE/TA (1) 㸦 $ in millions 㸧

21 REGULATORY CAPITAL Company Pro Forma (1) (1) Pro forma illustrates capital ratios with unrealized AFS securities losses at September 30, 2026. Non - GAAP financial measure; refer to the non - GAAP reconciliation slides. Bank Company 6.50% CET1 Capital 4.50% 2.50% 7.00% CET1 Capital 13.28% 12.30% 12.39% 11.40% 8.00% Tier 1 Capital 6.00% 2.50% 8.50% Tier 1 Capital 13.28% 12.62% 12.39% 11.72% 10.00% Total Capital 10.50% 8.00% 2.50% Total Capital 14.33% 14.47% 13.44% 13.57% Well Capitalized Bank Minimum Requirement Capital Conservation Buffer Pro Forma (1) The Company exceeded regulatory minimums and the Bank remained well capitalized at September 30, 2026.

22 USKC ( 1 ) LOANS & DEPOSITS USKC portfolio represented $780.7 million , or 12% of the loan portfolio, and $1.35 billion , or 19% of the deposit portfolio, at September 30, 2026. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 2.22x and weighted average loan - to - value (2) of 57.4%. USKC Loans – Top 10 Industries (as of 3Q26) 23% 22% 20% Auto Parts Manufacturing RE Investment Hotel 7% Food 4% Golf Course 3% Education 3% Polyester Manufacturing 2% Wholesale - Metal 2% Steel 12% 2% Offices of Other Holding Companies Other 21% 15% 12% 8% 7% 6% 5% 3% 3% 3% 17% Auto Parts Manufacturing Electronics/Home Appliances/IT Food and Hospitality RE Investment, Management Steel Other Investment Activities Research and Development Wholesale Distribution Management and Consulting Services Manufacturing Other USKC Deposits – Top 10 Industries (as of 3Q26) $781 21% $826 28% $818 26% $862 25% $910 24% 79% 72% 74% 75% 76% 3Q26 2Q26 1Q26 4Q25 3Q25 CRE C&I USKC Deposits by Product 㸦 $ in millions 㸧 USKC Loans by Product 㸦 $ in millions 㸧 $1,040 $1,024 $1,131 $1,202 $1,347 56% 53% 55% 60% 57% 29% 30% 29% 31% 34% 3Q26 2Q26 1Q26 4Q25 3Q25 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) Time deposits, not illustrated, represent the remainder to add to 100%. (3)

23 Total >3 Years 1 - 3 Years <1 Year ($ in millions) Real Estate Loans 1,150.3 $ 588.3 $ 342.5 $ 219.5 $ Retail 883.7 347.4 272.2 264.1 Hospitality 483.8 78.2 202.9 202.7 Office 1,526.6 756.5 447.6 322.5 Other 4,044.4 $ 1,770.4 $ 1,265.2 $ 1,008.8 $ Commercial Property 11.2 - - 11.2 Construction 1,001.9 997.1 0.1 4.7 RRE/Consumer 5,057.5 $ 2,767.5 $ 1,265.3 $ 1,024.7 $ Total Real Estate Loans 1,171.6 507.7 235.6 428.3 C&I (1) 339.6 155.5 148.7 35.4 Equipment Finance 6,568.7 $ 3,430.7 $ 1,649.6 $ 1,488.4 $ Loans Receivable LOAN PORTFOLIO MATURITIES Note: numbers may not add due to rounding. (1) $353.7 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) $121.2 million, or 3.0%, and $28.3 million, or 0.7%, of the CRE portfolio are unguaranteed and guaranteed SBA loans, respectively. (2) $65.4 million, or 5.6%, and $47.6 million, or 4.1%, of the C&I portfolio are unguaranteed and guaranteed SBA loans, respectively. Retail 28% Hospitality 22% Multifamily 11% Industrial 12% Office 12% Gas Station 5% Mixed Use 3% Construction 1% Other 6% CRE Portfolio (1) $4,056M Manufacturing 26% Finance & Insurance 18% Retail Trade 6% Wholesale Trade 10% Healthcare 2% Real Estate Rental & Leasing 5% Other 33% C&I Portfolio (2) $1,172M • CRE (1) represents 62% of the total portfolio • C&I (2) represents 18% of the total portfolio. 24

California $2,572 63% Texas $402 10% New York $311 8% Illinois $100 2% Other $671 17% CRE Composition by State $4,056 CRE PORTFOLIO GEOGRAPHICAL EXPOSURE 25 California $4 36% Other $7 64% Construction by State $11 California Texas $47 5% 1% New York $16 2% Other $293 33% Owner Occupied by State $896 California Texas $267 10% $1,759 $211 $526 Illinois 66% 8% 59% $14 3% New York Other $356 13% Investor (Non - owner Occupied) by State $2,667 Illinois $74 California $284 59% Texas $87 18% New York $84 17% Illinois $12 3% Other $15 3% Multifamily by State $482 ($ in millions)

Rate Distribution Portfolio by State Fixed 71% Variable 29% OFFICE LOAN PORTFOLIO 26 (1) Segment represents exposure in CRE and excludes construction. 5.3% of the portfolio was owner occupied. (2) SBA CRE office loans were $9.5 million, or 2.0% of total office loans, at September 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 $483.8 million (2) at September 30, 2026, representing 7% of the total loan portfolio. $4.0M Average balance of the portfolio 2.1x Weighted average debt coverage ratio (3) of the segment 57.3% Weighted average loan to value (3) of the segment 42.5% of the portfolio is expected to reprice in 1 to 3 months 0.07% of the office portfolio was delinquent 1.02% of the office portfolio was criticized Remaining = 4% 83% 8% 5%

27 HOSPITALITY SEGMENT (1) SBA loans in the hospitality segment were $22.9 million, or 2.6%, of total hospitality loans at September 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 $54.2 million at September 30, 2026. The hospitality segment represented $883.6 million , (1) or 13% of the total loan portfolio and 22% of the total CRE portfolio, at September 30, 2026. $4.7M Average balance of the segment (excluding construction) 2.03x Weighted average debt coverage ratio (2) of the segment 51.9% Weighted average loan to value (2) of the segment $56.4M or 6 . 4 % , of the hospitality segment was criticized as of September 30 , 2026 ( 4 ) Metropolitan (3) 61% Destination / Suburban (3) 28% Airport 3% Resort 6% Convention Center 2% Hospitality by Type

28 RETAIL SEGMENT The retail segment represented $ 1 . 15 billion , ( 1 ) or 18 % of the total loan portfolio, and 28 % of the total CRE portfolio, at September 30 , 2026 . $1.5M Average balance of the segment 2.03x Weighted average debt coverage ratio (2) of the segment 44.98% Weighted average loan to value (2) of the segment $3.2M or 0.27%, of the retail segment was criticized at September 30, 2026 $0.9M or 0.08%, of the retail segment was on nonaccrual status at September 30, 2026 California 67% Illinois Georgia 3% Texas 12% 2% Other 16% Percentage of Portfolio (1) SBA loans in the retail segment are $88.6 million, or 7.70% of total retail loans, at September 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 $1.0 billion at September 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. 26.7% 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 $4.9 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 73.3% 7.9% 92.1% Variable 0.84% 0.39% Total 30 - 59 days delinquencies delinquency category Reset within the Reset after next 12 months 12 months 0.15% 60 - 89 days delinquency category $3.0M / 0.3% on nonaccrual status at September 30, 2026 Percentage of Portfolio

4% 5% 4% Remaining = 47% 11% 10% 4% 7% 4% 4% EQUIPMENT FINANCE PORTFOLIO 30 Transportation 18% Construction 14% Manufacturing 12% Waste Management 12% Retail Trade 6% Health Care 6% Wholesale Trade 4% Hospitality 4% Professional Services 5% Other Services 4% Other 15% Portfolio by Industry (1) Other includes agriculture and real estate of 3% and 3%, respectively. The equipment finance portfolio represented $339.6 million , or 5% of the loan portfolio, at September 30, 2026. 8% 6% 5% 5% 5% 5% 4% 4% Portfolio by Equipment 28% 30% Portfolio by State (1)

31 3 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 slides. September 30, 2025 Q/Q Y/Y 61.1 ($ in millions, except EPS) September 30, 2026 June 30, 2026 Income Statement Summary Net interest income before credit loss $ 67.6 $ 63.9 $ 5.8% 10.6% - 8.6% 8.2% 9.9 8.3 9.0 Noninterest income 7.9% 6.1% 71.0 72.2 76.6 Operating revenue 6.7% 2.1% 37.4 39.0 39.8 Noninterest expense 9.4% 10.8% 33.6 33.2 36.8 Preprovision net revenue (2) 111.2% 282.0% 2.1 1.2 4.5 Credit loss (recovery) expense 2.4% 0.8% 31.5 32.0 32.2 Pretax income - 9.1% 0.7% 9.4 8.5 8.5 Income tax expense 7.4% 0.8% $ 22.1 $ 23.5 $ 23.7 Net income $ 0.73 $ 0.79 $ 0.80 EPS - Diluted Selected Balance Sheet Items 0.6% 0.5% $ 6,528 $ 6,535 $ 6,569 Loans receivable 4.3% 1.4% 6,767 6,955 7,056 Deposits 2.4% 0.5% 7,857 8,001 8,044 Total assets 3.7% - 0.5% $ 780 $ 813 $ 808 Stockholders' equity 13 (10) 9.80% 10.03% 9.93% TCE/TA (2) Performance Metrics 5 (3) 1.12% 1.20% 1.17% Return on average assets 21 (19) 10.69% 11.09% 10.90% Return on average equity 22 8 3.22% 3.36% 3.44% Net interest margin (63) (205) 52.65% 54.07% 52.02% 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. September 30, 2025 December 31, 2025 March 31, 2026 June 30, 2026 September 30, 2026 Hanmi Financial Corporation $ 7,856,731 $ 7,869,185 $ 7,839,227 $ 8,001,473 $ 8,043,788 Assets (11,031) (11,031) (11,031) (11,031) (11,031) Less goodwill and other intangible assets $ 7,845,700 $ 7,858,154 $ 7,828,196 $ 7,990,442 $ 8,032,757 Tangible assets $ 779,550 $ 796,386 $ 802,819 $ 812,680 $ 808,309 Stockholders' equity (1) (11,031) (11,031) (11,031) (11,031) (11,031) Less goodwill and other intangible assets $ 768,519 $ 785,355 $ 791,788 $ 801,649 $ 797,278 Tangible stockholders' equity (1) 48,004 43,277 45,570 46,552 63,028 Add AFS securities AOCI $ 816,523 $ 828,632 $ 837,358 $ 848,201 $ 860,306 Tangible stockholders' equity without AFS securities AOCI (1) 9.92% 10.12% 10.24% 10.16% 10.05% Stockholders' equity to assets 9.80% 9.99% 10.11% 10.03% 9.93% Tangible common equity to tangible assets (TCE/TA) (1) 10.41% 10.54% 10.70% 10.62% 10.71% TCE/TA (w/o AFS securities AOCI) (1) 29,975,371 29,894,757 29,806,694 29,650,306 29,496,736 Common shares outstanding $25.64 $26.27 $26.56 $27.04 $27.03 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 Note: numbers may not add due to rounding (1) Pro forma capital ratios at September 30, 2026. ($ in thousands) Common Equity Tier 1 Tier 1 Total Risk - based Common Equity Tier 1 Tier 1 Total Risk - based Regulatory capital $ 847,732 $ 869,774 $ 997,427 $ 915,740 $ 915,740 $ 988,393 Unrealized loss on AFS securities (63,028 ) (63,028 ) (63,028 ) (63,008 ) (63,008 ) (63,008 ) Adjusted regulatory capital $ 784,704 $ 806,746 $ 934,399 $ 6,894,604 $ 6,894,604 $ 6,894,604 (11,220 ) (11,220 ) (11,220 ) $ 852,732 $ 852,732 $ 925,385 $ 6,894,978 $ 6,894,978 $ 6,894,978 (11,263 ) (11,263 ) (11,263 ) Risk weighted assets Risk weighted assets impact of unrealized losses on AFS securities Adjusted Risk weighted assets $ 6,883,384 $ 6,883,384 $ 6,883,384 12.30% 12.62% 14.47% $ 6,883,715 $ 6,883,715 $ 6,883,715 13.28% 13.28% 14.33% Regulatory capital ratio as reported Impact of unrealized losses on AFS securities - 0.90% - 0.90% - 0.90% - 0.89% - 0.89% - 0.89% Pro forma regulatory capital ratio 11.40% 11.72% 13.57% 12.39% 12.39% 13.44% Company (1) Bank (1)

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 Q3 - 26 Q3 - 26 September 30, December 31, March 31, June 30, September 30, vs. Q2 - 26 vs. Q3 - 25 2025 2025 2026 2026 2026 Hanmi Financial Corporation $ 22,061 $ 21,239 $ 22,557 $ 23,505 $ 23,683 Net income 2,145 1,943 2,892 1,186 4,530 Add back: Credit loss expense 9,396 8,887 7,925 8,475 8,538 Income tax expense 10.8% 9.4% $ 33,602 $ 32,069 $ 33,374 $ 33,166 $ 36,751 Preprovision net revenue

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