Hanmi Financial (NASDAQ: HAFC) grows Q1 2026 profit, margin and capital

Rhea-AI Filing Summary

Hanmi Financial Corporation reported stronger first-quarter 2026 results. Net income rose to $22.6 million, or $0.75 per diluted share, up from $21.2 million, or $0.70, in the prior quarter and $17.7 million a year earlier. Return on average assets was 1.18% and return on average equity was 10.86%, reflecting improved profitability.

Net interest income increased to $63.2 million and the net interest margin widened to 3.38%, helped by a 16 basis point decline in the cost of interest-bearing deposits. Deposits grew 1.8% to $6.8 billion, with noninterest-bearing deposits near 30% of the total, while loan production reached $377.9 million, led by commercial and industrial lending.

Asset quality stayed solid as nonperforming assets fell to 0.16% of total assets and nonperforming loans to 0.19% of loans. Capital remained strong, with a tangible common equity to tangible assets ratio of 10.11% and a common equity tier 1 capital ratio of 12.20%, even after $13.4 million returned to shareholders through dividends and share repurchases.

Positive

• Strong earnings growth: Net income reached $22.6 million in Q1 2026, up 6.2% sequentially and 27.6% year over year, with diluted EPS of $0.75 and ROAA of 1.18%.
• Improving margin and funding costs: Net interest margin expanded to 3.38% as the cost of interest-bearing deposits declined 16 basis points to 3.20%, while deposit balances grew to $6.8 billion.
• Robust credit quality: Nonperforming assets fell to 0.16% of total assets and nonperforming loans to 0.19% of loans, with net charge-offs contained at 0.16% of loans annualized.
• Solid capital and shareholder returns: Tangible common equity to tangible assets improved to 10.11% and common equity tier 1 to 12.20%, while $13.4 million was returned through dividends and share repurchases.

Negative

• None.

Insights

Bank earnings analyst

Hanmi delivered margin-driven earnings growth with strong credit and capital.

Hanmi Financial generated net income of $22.6 million, a 6.2% sequential increase, with diluted EPS of $0.75. Preprovision net revenue reached $33.4 million, up nearly 20% year over year, showing healthier core profitability beyond credit costs.

Net interest margin improved to 3.38% as the average rate on interest-bearing deposits fell 16 basis points to 3.20%, while loan yields stayed near 5.90%. Deposits rose to $6.8 billion, and noninterest-bearing balances held around 30%, supporting funding stability despite higher-rate competition.

Credit metrics remained favorable: nonperforming assets dropped to 0.16% of total assets and nonperforming loans to 0.19% of loans. The allowance for credit losses was $70.5 million, or 1.08% of loans, and tangible common equity to tangible assets improved to 10.11%. These figures, alongside ongoing dividends and $4.8 million of share repurchases in Q1 2026, indicate capacity to balance growth, risk management, and shareholder returns.

8-K Event Classification

3 items: 2.02, 4.2, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

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

Item 4.2 Item 4.2

Item 9.01 Financial Statements and Exhibits Exhibits

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

Key Figures

Net income: $22.6M Diluted EPS: $0.75 Net interest margin: 3.38% +5 more

8 metrics

Net income $22.6M Quarter ended March 31, 2026; up 6.2% vs Q4 2025

Diluted EPS $0.75 Quarter ended March 31, 2026; $0.70 in Q4 2025

Net interest margin 3.38% Q1 2026 taxable-equivalent net interest margin; 3.28% in Q4 2025

Total deposits $6.80B Deposits at March 31, 2026; up 1.8% from December 31, 2025

Nonperforming assets ratio 0.16% Nonperforming assets to total assets at March 31, 2026

Tangible common equity ratio 10.11% Tangible common equity to tangible assets at March 31, 2026

Loan production $377.9M New loan production in Q1 2026; C&I production up 64% vs prior quarter

Allowance for credit losses $70.5M Allowance equal to 1.08% of total loans at March 31, 2026

Key Terms

net interest margin, nonperforming assets, tangible common equity to tangible assets, allowance for credit losses, +2 more

6 terms

net interest margin financial

"Net interest margin increased ten basis points to 3.38%, due primarily to lower rates on interest-bearing deposits."

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

nonperforming assets financial

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

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

tangible common equity to tangible assets financial

"Hanmi capital ratios strengthened further as tangible common equity to tangible assets improved 12 basis points to 10.11%."

Tangible common equity to tangible assets is a ratio that compares the amount of common shareholders’ capital after removing intangible items (like goodwill) to a company’s physical and financial assets after the same removal. It tells investors how much real, loss‑absorbing capital supports each dollar of tangible assets—think of it as the safety cushion under a car: the thicker the cushion, the more protection against unexpected losses.

allowance for credit losses financial

"The allowance for credit losses was $70.5 million, or 1.08% of loans, at March 31, 2026."

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

preprovision net revenue financial

"Preprovision net revenue is calculated adding income tax expense and credit loss expense to net income."

common equity tier 1 capital ratio financial

"the common equity tier 1 capital ratio improved 15 basis points to 12.20%."

A bank’s common equity tier 1 (CET1) capital ratio measures the size of its strongest loss-absorbing capital—mainly common shares and retained earnings—relative to the bank’s assets after adjusting those assets for how risky they are (riskier loans count more). Think of it as the safety cushion compared with the weight of risky business; investors use it to judge a bank’s ability to survive losses, meet rules, and sustain dividends or growth.

Earnings Snapshot

Net income: $22.6M

Q1 2026

Net income $22.6M +6.2% vs Q4 2025

Diluted EPS $0.75 +$0.05 vs Q4 2025

Net interest margin 3.38% +0.10 pts vs Q4 2025

Total deposits $6.80B +1.8% vs December 31, 2025

Nonperforming assets ratio 0.16% -0.10 pts vs December 31, 2025

Understanding 8-K Material Events →

False000110924200011092422026-04-212026-04-21iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

CURRENT REPORT

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

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

HANMI FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

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

900 Wilshire Boulevard, Suite 1250

Los Angeles, CA 90017

(Address of Principal Executive Offices) (Zip Code)

(213) 382-2200

(Registrant's telephone number, including area code)

Not Applicable

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

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

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

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

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

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

Emerging growth company ☐

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

Item 2.02. Results of Operations and Financial Condition.

On April 21, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended March 31, 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 April 21, 2026
99.2		Hanmi Financial First Quarter 2026 Earnings Supplemental Presentation
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

Forward-Looking Statements

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

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

• a failure to maintain adequate levels of capital and liquidity to support our operations;

• general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;

• volatility and deterioration in the credit and equity markets;

• changes in investor sentiment or consumer spending, borrowing and savings habits;

• availability of capital from private and government sources;

• demographic changes;

• competition for loans and deposits and failure to attract or retain loans and deposits;

• inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;

• our ability to enter new markets successfully and capitalize on growth opportunities;

• the current or anticipated impact of military conflict, terrorism or other geopolitical events;

• the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;

• risks of natural disasters;

• legal proceedings and litigation brought against us;

• a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;

• the failure to maintain current technologies;

• risks associated with Small Business Administration loans;

• failure to attract or retain key employees;

• our ability to access cost-effective funding;

• the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses;

• the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans;

• changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;

• fluctuations in real estate values;

• changes in accounting policies and practices;

• changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;

• the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;

• strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;

• the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;

• our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;

• changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;

• our ability to control expenses;

• cyber security and fraud risks against our information technology and those of our third-party providers and vendors;

• 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: April 21, 2026	By:	/s/ Bonita I. Lee
		Bonita I. Lee
		Chief Executive Officer

EXHIBIT 99.1

Hanmi Reports 2026 First Quarter Results

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

Net income for the first quarter of 2026 was $22.6 million, or $0.75 per diluted share, compared with $21.2 million, or $0.70 per diluted share for the fourth quarter of 2025. The return on average assets for the first quarter was 1.18% and the return on average equity was 10.86%, compared with a return on average assets of 1.07% and a return on average equity of 10.14% for the fourth quarter of 2025.

CEO Commentary
“Hanmi delivered strong results in the first quarter, reflecting the effective execution of our growth strategy,” said Bonnie Lee, President and Chief Executive Officer. “We saw several positive trends, including 7.2% annualized deposit growth, net interest margin expansion, and stable expense levels. This contributed to 6.2% growth in net income, an ROAA of 1.18%, and further strengthened our capital ratios. These results underscore the success of our relationship-driven banking model.”

“Consistent with our strategy, we further diversified our loan portfolio where C&I loans reached 17.6% of total loans and C&I loan production increased 64% from new banking relationships. Our asset quality remained excellent, with nonperforming assets falling by 38%, to 0.16% of total assets.”

“Based on our first quarter performance and the strong pipeline we have for both loans and deposits, we expect these positive trends in key areas to continue, and we remain confident in our ability to deliver strong financial performance for our shareholders in 2026,” concluded Lee.

First Quarter 2026 Highlights:        

• Net income was $22.6 million, or $0.75 per diluted share, up 6.2% from the fourth quarter, driven by continued growth in net interest income and margin, higher gains from sales of SBA loans, well-controlled noninterest expenses, and a lower effective tax rate. Return on average assets and return on average equity during the quarter were healthy at 1.18% and 10.86%, respectively.
• Deposits increased 1.8% to $6.8 billion from the prior quarter and noninterest-bearing demand deposits remained stable at approximately 30% of total deposits.
• Loan production increased by 0.8% to $377.9 million from the prior quarter, driven primarily by a 64% increase in commercial and industrial loan production. New loans had a weighted average interest rate of 6.54% compared to a weighted average interest rate of 6.21% for payoffs.
• Net interest income continued to grow, increasing 0.5% from the prior quarter, due primarily to lower interest expense as the average rate on interest-bearing deposits declined 16 basis points. Net interest margin increased ten basis points to 3.38%, due primarily to lower rates on interest-bearing deposits.
• Asset quality remained strong as nonperforming assets to total assets was 0.16%, an improvement of ten basis points from the prior quarter, and nonperforming loans to total loans was 0.19%, an improvement of nine basis points from the prior quarter.
• Hanmi capital ratios strengthened further as tangible common equity to tangible assets improved 12 basis points to 10.11% and the common equity tier 1 capital ratio improved 15 basis points to 12.20%. Simultaneously, Hanmi returned $13.4 million of capital to shareholders in the form of dividends of $8.6 million and share repurchases of $4.8 million.

For more information about Hanmi, please see the Q1 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
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Net income	$	22,557			$	21,239			$	22,061			$	15,117			$	17,672			$	1,318			$	4,885
Net income per diluted common share	$	0.75			$	0.70			$	0.73			$	0.50			$	0.58			$	0.05			$	0.17
Assets	$	7,839,227			$	7,869,185			$	7,856,731			$	7,862,363			$	7,729,035			$	(29,958	)		$	110,192
Loans	$	6,545,466			$	6,563,367			$	6,528,259			$	6,305,957			$	6,282,189			$	(17,901	)		$	263,277
Deposits	$	6,800,622			$	6,677,650			$	6,766,639			$	6,729,122			$	6,619,475			$	122,972			$	181,147
Return on average assets		1.18	%			1.07	%			1.12	%			0.79	%			0.94	%			0.11				0.24
Return on average stockholders’ equity		10.86	%			10.14	%			10.69	%			7.48	%			8.92	%			0.72				1.94
Net interest margin		3.38	%			3.28	%			3.22	%			3.07	%			3.02	%			0.10				0.36
Efficiency ratio (1)		53.48	%			54.95	%			52.65	%			55.74	%			55.69	%			-1.47				-2.21
Tangible common equity to tangible assets (2)		10.11	%			9.99	%			9.80	%			9.58	%			9.59	%			0.12				0.52
Tangible common equity per common share (2)	$	26.56			$	26.27			$	25.64			$	24.91			$	24.49				0.29				2.07
(1)       Noninterest expense divided by net interest income plus noninterest income.
(2)       Refer to “Non-GAAP Financial Measures” for further details.

Results of Operations
Net interest income increased $0.3 million, or 0.5%, to $63.2 million for the first quarter of 2026, from $62.9 million for the fourth quarter of 2025, principally because of lower interest expense on interest-bearing deposits, which declined by $3.2 million from the fourth quarter. Interest income on loans for the first quarter, however, also declined by $2.7 million from the previous quarter. A $0.5 million special dividend on FHLB stock and a $0.7 million decline in interest income on securities and other interest-earning assets account for the remaining difference.

Net interest margin (taxable equivalent) improved by ten basis points to 3.38% for the first quarter of 2026, from 3.28% for the fourth quarter of 2025. The increase in net interest margin primarily reflected the 16-basis point decline in the cost of interest-bearing deposits.

The average yield on loans for the first quarter was 5.90%, down four basis points from the fourth quarter, and the average balance of loans for the first quarter was $6.43 billion, down 0.3% from the previous quarter. The cost of interest-bearing deposits for the first quarter was 3.20%, down 16 basis points from the fourth quarter, and the average balance of interest-bearing deposits was $4.66 billion, down 1.1% from the previous quarter. The ratio of average loans to average deposits for the first quarter was 97.5%, compared with 96.6% for the previous quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
Net Interest Income	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Interest and fees on loans (1)	$	93,866			$	96,592			$	95,691			$	92,589			$	90,887				-2.8	%			3.3	%
Interest on securities		5,959				6,323				6,592				6,261				6,169				-5.8	%			-3.4	%
Dividends on FHLB stock		831				361				357				354				360				130.2	%			130.8	%
Interest on deposits in other banks		1,496				1,837				2,586				2,129				1,841				-18.6	%			-18.7	%
Total interest and dividend income	$	102,152			$	105,113			$	105,226			$	101,333			$	99,257				-2.8	%			2.9	%
Interest on deposits		36,738				39,978				42,244				41,924				40,559				-8.1	%			-9.4	%
Interest on borrowings		676				695				324				684				2,024				-2.7	%			-66.6	%
Interest on subordinated debentures		1,535				1,561				1,579				1,586				1,582				-1.7	%			-3.0	%
Total interest expense		38,949				42,234				44,147				44,194				44,165				-7.8	%			-11.8	%
Net interest income	$	63,203			$	62,879			$	61,079			$	57,139			$	55,092				0.5	%			14.7	%
(1)       Includes loans held for sale.

	For the Three Months Ended (in thousands)																				Percentage Change
Average Earning Assets and Interest-bearing Liabilities	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Loans (1)	$	6,434,316			$	6,456,239			$	6,304,435			$	6,257,741			$	6,189,531				-0.3	%			4.0	%
Securities		921,065				955,811				985,888				993,975				1,001,499				-3.6	%			-8.0	%
FHLB stock		16,385				16,385				16,385				16,385				16,385				0.0	%			0.0	%
Interest-bearing deposits in other banks		171,953				191,731				239,993				200,266				176,028				-10.3	%			-2.3	%
Average interest-earning assets	$	7,543,719			$	7,620,166			$	7,546,701			$	7,468,367			$	7,383,443				-1.0	%			2.2	%
Demand: interest-bearing	$	74,963			$	77,297			$	86,839			$	81,308			$	79,369				-3.0	%			-5.6	%
Money market and savings		2,063,186				2,130,616				2,122,967				2,109,221				2,037,224				-3.2	%			1.3	%
Time deposits		2,522,505				2,506,582				2,494,285				2,434,659				2,345,346				0.6	%			7.6	%
Average interest-bearing deposits		4,660,654				4,714,495				4,704,091				4,625,188				4,461,939				-1.1	%			4.5	%
Borrowings		69,388				64,565				27,772				60,134				179,444				7.5	%			-61.3	%
Subordinated debentures		130,541				130,385				130,766				130,880				130,718				0.1	%			-0.1	%
Average interest-bearing liabilities	$	4,860,583			$	4,909,445			$	4,862,629			$	4,816,202			$	4,772,101				-1.0	%			1.9	%
Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	1,937,628			$	1,969,908			$	1,960,331			$	1,934,985			$	1,895,953				-1.6	%			2.2	%
(1)       Includes loans held for sale.

	For the Three Months Ended																				Yield/Rate Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
Average Yields and Rates	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Loans (1)		5.90	%			5.94	%			6.03	%			5.93	%			5.95	%			-0.04				-0.05
Securities (2)		2.62	%			2.67	%			2.70	%			2.55	%			2.49	%			-0.05				0.13
FHLB stock		20.56	%			8.75	%			8.65	%			8.65	%			8.92	%			11.81				11.64
Interest-bearing deposits in other banks		3.53	%			3.80	%			4.27	%			4.26	%			4.24	%			-0.27				-0.71
Interest-earning assets		5.48	%			5.48	%			5.54	%			5.44	%			5.45	%			0.00				0.03
Interest-bearing deposits		3.20	%			3.36	%			3.56	%			3.64	%			3.69	%			-0.16				-0.49
Borrowings		3.94	%			4.27	%			4.63	%			4.58	%			4.57	%			-0.33				-0.63
Subordinated debentures		4.70	%			4.79	%			4.83	%			4.84	%			4.84	%			-0.09				-0.14
Interest-bearing liabilities		3.25	%			3.41	%			3.60	%			3.68	%			3.75	%			-0.16				-0.50
Net interest margin (taxable equivalent basis)		3.38	%			3.28	%			3.22	%			3.07	%			3.02	%			0.10				0.36
Cost of deposits		2.26	%			2.37	%			2.51	%			2.56	%			2.59	%			-0.11				-0.33
(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 first quarter of 2026 was $2.9 million, compared with $1.9 million for the fourth quarter of 2025. First-quarter credit loss expense included a $3.2 million provision for loan losses and a negative provision of $0.3 million for off-balance sheet items. Fourth-quarter credit loss expense included $1.7 million for loan losses and $0.2 million for off-balance sheet items.

Noninterest income was $8.5 million for the first quarter of 2026, up 2.9% from $8.3 million for the fourth quarter of 2025. The increase was primarily due to a $0.3 million increase in gain on sales of SBA loans. The gain on sales of SBA loans was $2.1 million for the first quarter of 2026, compared with $1.8 million for the fourth quarter of 2025. The volume of SBA loans sold for the first quarter increased to $32.5 million from $29.9 million for the fourth quarter of 2025, and trade premiums also increased to 7.88% for the first quarter of 2026 compared with 7.40% for the fourth quarter. Residential mortgage loans sold for the first quarter were $31.7 million with a premium of 2.50%, compared with $33.5 million and 2.62% for the fourth quarter. The gain on sales of residential mortgage loans was $0.5 million for the first quarter, compared with $0.6 million for the fourth quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
Noninterest Income	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Service charges on deposit accounts	$	2,127			$	2,196			$	2,160			$	2,169			$	2,217				-3.1	%			-4.1	%
Trade finance and other service charges and fees		1,501				1,735				1,551				1,461				1,396				-13.5	%			7.5	%
Servicing income		870				924				924				754				732				-5.8	%			18.9	%
Bank-owned life insurance income		610				315				1,259				708				309				93.7	%			97.4	%
All other operating income		844				758				973				819				897				11.3	%			-5.9	%
Service charges, fees & other		5,952				5,928				6,867				5,911				5,551				0.4	%			7.2	%
Gain on sale of SBA loans		2,102				1,790				1,857				2,160				2,000				17.4	%			5.1	%
Gain on sale of residential mortgage loans		485				581				1,156				-				175				-16.5	%			177.1	%
Total noninterest income	$	8,539			$	8,299			$	9,880			$	8,071			$	7,726				2.9	%			10.5	%

Noninterest expense for the first quarter of 2026 was $38.4 million, down 1.9% from $39.1 million for the fourth quarter of 2025. The decrease was principally due to the income recognized on the sale of foreclosed properties for the first quarter, compared with an expense for other-real-estate-owned for the fourth quarter. No foreclosed properties remained at the end of the 2026-first quarter. The efficiency ratio declined to 53.48% for the first quarter, compared with 54.95% for the previous quarter.

	For the Three Months Ended (in thousands)																				Percentage Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Noninterest Expense
Salaries and employee benefits	$	21,956			$	22,472			$	22,163			$	22,069			$	20,972				-2.3	%			4.7	%
Occupancy and equipment		4,414				4,339				4,507				4,344				4,450				1.7	%			-0.8	%
Data processing		4,386				4,098				3,860				3,727				3,787				7.0	%			15.8	%
Professional fees		2,780				2,343				1,978				1,725				1,468				18.7	%			89.4	%
Supplies and communication		556				573				423				515				517				-3.0	%			7.5	%
Advertising and promotion		688				1,010				712				798				585				-31.9	%			17.6	%
All other operating expenses		3,849				3,795				3,665				3,567				3,175				1.4	%			21.2	%
Subtotal		38,629				38,630				37,308				36,745				34,954				0.0	%			10.5	%
Other real estate owned expense (income)		(345	)			474				17				(461	)			41				-172.8	%			941.5	%
Repossessed personal property expense (income)		84				5				32				63				(11	)			1580.0	%			-863.6	%
Total noninterest expense	$	38,368			$	39,109			$	37,357			$	36,347			$	34,984				-1.9	%			9.7	%

The effective tax rate was 26.0% for the first quarter of 2026, compared with 29.5% for the fourth quarter of 2025. The lower effective tax rate reflects the tax benefit arising from the first-quarter vesting of performance stock units, as well as the year-ago change in the State of California apportionment calculation.

Financial Position
Total assets at March 31, 2026 decreased 0.4%, or $30.0 million, to $7.84 billion from $7.87 billion at December 31, 2025. The decrease reflected a $44.9 million decline in securities available for sale and an $18.5 million decline in loans, partially offset by a $41.2 million increase in cash and due from banks.
Total loans, excluding the allowance for credit losses and loans held for sale, were $6.55 billion at March 31, 2026, down 0.3% from $6.56 billion at December 31, 2025.

Loans held for sale were $4.9 million at March 31, 2026, down from $7.4 million at December 31, 2025. At the end of the first quarter, loans held-for-sale consisted of the guaranteed portion of SBA 7(a) loans.

	As of (in thousands)																				Percentage Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Loan Portfolio
Commercial real estate loans	$	3,998,144			$	4,030,105			$	4,015,291			$	3,948,922			$	3,975,651				-0.8	%			0.6	%
Residential/consumer loans		1,002,223				1,049,872				1,043,577				993,869				979,536				-4.5	%			2.3	%
Commercial and industrial loans		1,152,544				1,074,907				1,052,522				917,995				854,406				7.2	%			34.9	%
Equipment finance		392,555				408,483				416,869				445,171				472,596				-3.9	%			-16.9	%
Total loans held for investment		6,545,466				6,563,367				6,528,259				6,305,957				6,282,189				-0.3	%			4.2	%
Loans held for sale		4,932				7,403				6,512				49,611				11,831				-33.4	%			-58.3	%
Total loans	$	6,550,398			$	6,570,770			$	6,534,771			$	6,355,568			$	6,294,020				-0.3	%			4.1	%

	As of
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,
	2026				2025				2025				2025				2025
Composition of Loan Portfolio
Commercial real estate loans		61.0	%			61.3	%			61.4	%			62.2	%			63.1	%
Residential/consumer loans		15.3	%			16.0	%			16.0	%			15.6	%			15.6	%
Commercial and industrial loans		17.6	%			16.4	%			16.1	%			14.4	%			13.6	%
Equipment finance		6.0	%			6.2	%			6.4	%			7.0	%			7.5	%
Total loans held for investment		99.9	%			99.9	%			99.9	%			99.2	%			99.8	%
Loans held for sale		0.1	%			0.1	%			0.1	%			0.8	%			0.2	%
Total loans		100.0	%			100.0	%			100.0	%			100.0	%			100.0	%

New loan production was $377.9 million for the first quarter of 2026 with an average rate of 6.54%, while payoffs were $198.9 million during the quarter at an average rate of 6.21%.

	For the Three Months Ended (in thousands)
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,
	2026				2025				2025				2025				2025
New Loan Production
Commercial real estate loans	$	131,426			$	125,866			$	176,826			$	111,993			$	146,606
Residential/consumer loans		29,074				70,268				103,247				83,761				55,000
Commercial and industrial loans		134,717				82,079				211,454				53,444				42,344
SBA loans		40,652				44,065				44,931				46,829				55,242
Equipment finance		42,051				52,521				34,315				33,567				46,749
Subtotal		377,920				374,799				570,773				329,594				345,941
Payoffs		(198,936	)			(123,086	)			(142,963	)			(119,139	)			(125,102	)
Amortization		(133,396	)			(133,992	)			(60,939	)			(151,357	)			(90,743	)
Loan sales		(64,690	)			(63,642	)			(100,452	)			(35,388	)			(42,193	)
Net line utilization		4,373				(16,072	)			(39,497	)			12,435				(53,901	)
Charge-offs & OREO		(3,172	)			(2,899	)			(4,620	)			(12,377	)			(3,190	)
Loans held for investment-beginning balance		6,563,367				6,528,259				6,305,957				6,282,189				6,251,377
Loans held for investment-ending balance	$	6,545,466			$	6,563,367			$	6,528,259			$	6,305,957			$	6,282,189

Deposits were $6.80 billion at the end of the first quarter of 2026, up $123.0 million, or 1.8%, from $6.68 billion at the end of the prior quarter. Driving the change was a $72.0 million increase in time deposits and a $31.9 million increase in money market and savings deposits. Noninterest-bearing demand deposits represented 29.9% of total deposits at March 31, 2026 and the loan-to-deposit ratio was 96.2%.

	As of (in thousands)																				Percentage Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Deposit Portfolio
Demand: noninterest-bearing	$	2,030,743			$	2,015,212			$	2,087,132			$	2,105,369			$	2,066,659				0.8	%			-1.7	%
Demand: interest-bearing		78,341				74,799				86,834				90,172				80,790				4.7	%			-3.0	%
Money market and savings		2,116,073				2,084,218				2,094,028				2,092,847				2,073,943				1.5	%			2.0	%
Time deposits $250,000 and less		1,406,753				1,365,885				1,324,267				1,283,984				1,288,773				3.0	%			9.2	%
Core deposits		5,631,910				5,540,114				5,592,261				5,572,372				5,510,165				1.7	%			2.2	%
Time deposits over $250,000		1,168,712				1,137,536				1,174,378				1,156,750				1,109,310				2.7	%			5.4	%
Total deposits	$	6,800,622			$	6,677,650			$	6,766,639			$	6,729,122			$	6,619,475				1.8	%			2.7	%

	As of
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,
	2026				2025				2025				2025				2025
Composition of Deposit Portfolio
Demand: noninterest-bearing		29.9	%			30.2	%			30.8	%			31.3	%			31.2	%
Demand: interest-bearing		1.2	%			1.1	%			1.3	%			1.3	%			1.2	%
Money market and savings		31.0	%			31.2	%			30.9	%			31.1	%			31.3	%
Time deposits $250,000 and less		20.7	%			20.5	%			19.6	%			19.1	%			19.5	%
Core deposits		82.8	%			83.0	%			82.6	%			82.8	%			83.2	%
Time deposits over $250,000		17.2	%			17.0	%			17.4	%			17.2	%			16.8	%
Total deposits		100.0	%			100.0	%			100.0	%			100.0	%			100.0	%

Stockholders’ equity at March 31, 2026 was $802.8 million, up $6.4 million, or 0.8%, from $796.4 million at December 31, 2025. Offsetting the increase to stockholders’ equity from first quarter net income of $22.6 million were dividends of $8.6 million, share repurchases of $4.8 million, a $2.3 million increase in unrealized after-tax losses on securities available for sale, and $1.1 million in purchases of vested stock in respect of Hanmi’s equity compensation programs. During the first quarter, Hanmi repurchased 185,707 shares of common stock at an average price of $25.89. As of March 31, 2026, there were 2.15 million shares available under Hanmi’s share repurchase program. In addition to the share repurchase program, Hanmi purchased 41,268 shares of common stock surrendered by employees to satisfy their tax liabilities upon the first-quarter vesting of their equity compensation awards.

Tangible common equity per share at the end of the first quarter of 2026 was $26.56, up 1.1% from $26.27 at the end of the fourth quarter of 2025. 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
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Regulatory Capital ratios (1)
Hanmi Financial
Total risk-based capital		15.22	%			15.06	%			15.05	%			15.20	%			15.28	%			0.16				-0.06
Tier 1 risk-based capital		12.52	%			12.37	%			12.33	%			12.46	%			12.46	%			0.15				0.06
Common equity tier 1 capital		12.20	%			12.05	%			12.00	%			12.12	%			12.12	%			0.15				0.08
Tier 1 leverage capital ratio		10.93	%			10.70	%			10.64	%			10.63	%			10.67	%			0.23				0.26
Hanmi Bank
Total risk-based capital		14.45	%			14.25	%			14.28	%			14.39	%			14.47	%			0.20				-0.02
Tier 1 risk-based capital		13.37	%			13.17	%			13.20	%			13.32	%			13.34	%			0.20				0.03
Common equity tier 1 capital		13.37	%			13.17	%			13.20	%			13.32	%			13.34	%			0.20				0.03
Tier 1 leverage capital ratio		11.74	%			11.47	%			11.46	%			11.43	%			11.49	%			0.27				0.25
(1)   Preliminary ratios for March 31, 2026

Asset Quality
Loans 30 to 89 days past due and still accruing were 0.20% of loans at the end of the first quarter of 2026, compared with 0.27% at the end of the fourth quarter of 2025.

Criticized loans were $116.4 million for the first quarter of 2026, compared with $97.0 million for the fourth quarter of 2025 and $164.9 million for the first quarter of 2025. The increase during the first quarter of 2026 was driven by special mention loans, which increased $22.6 million because of a $21.2 million commercial real estate loan downgrade. Changes in classified loans, which decreased $3.2 million, included a $9.7 million payment on a commercial real estate office loan that had a balance of $10.2 million at December 31, 2025. Classified loan downgrades for the first quarter, which totaled $9.6 million, included a $5.0 million commercial and industrial loan in the hospitality industry. There were no transfers of criticized loans into other-real-estate-owned during the first quarter of 2026. As a percent of total loans, criticized loans were 1.78% as of March 31, 2026, compared with 1.48% as of December 31, 2025, and 2.62% as of March 31, 2025.

Nonaccrual loans were $12.4 million, or 0.19% of loans, at March 31, 2026, compared with $18.1 million, or 0.28% of loans, at December 31, 2025, and $35.5 million, or 0.56% of loans, at March 31, 2025. The decrease for the first quarter reflects the $9.7 million payment described in the above paragraph and $1.9 million of equipment finance agreement charge-offs, partially offset by the addition of a $3.2 million commercial real estate loan in the hospitality industry.

Nonperforming assets were $12.4 million, or 0.16% of total assets, at March 31, 2026, compared with $20.1 million, or 0.26% of total assets, at December 31, 2025. The decline reflects the changes described in the above paragraph as well as the sale of two other-real-estate-owned properties for a net gain of $0.8 million. No foreclosed properties remained in other-real-estate-owned at the end of the first quarter.

Gross charge-offs for the first quarter of 2026 were $3.2 million, compared with $2.9 million for the preceding quarter. Charge-offs during the first quarter included $2.9 million of equipment financing agreements. Recoveries of previously charged off loans were $0.6 million, which included $0.5 million of equipment financing agreements. As a result, there were $2.6 million of net charge-offs for the first quarter of 2026, or 0.16% of loans (annualized), compared with $1.6 million, or 0.10% of loans, for the fourth quarter of 2025.

The allowance for credit losses was $70.5 million, or 1.08% of loans, at March 31, 2026, compared with $69.9 million, or 1.07% of loans, at December 31, 2025. Collectively evaluated allowances increased $0.8 million, while specific allowances decreased $0.2 million.

	As of or for the Three Months Ended (in thousands)																				Amount Change
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Asset Quality Data and Ratios
Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	13,274			$	17,610			$	11,560			$	10,953			$	17,312			$	(4,336	)		$	(4,038	)
Delinquent loans to total loans		0.20	%			0.27	%			0.18	%			0.17	%			0.28	%			(0.07	)			(0.07	)
Criticized loans:
Special mention	$	93,682			$	71,113			$	16,775			$	12,700			$	118,380			$	22,569			$	(24,698	)
Classified		22,736				25,891				28,590				33,857				46,519				(3,155	)			(23,783	)
Total criticized loans(1)	$	116,418			$	97,004			$	45,365			$	46,557			$	164,899			$	19,414			$	(48,481	)
Criticized loans to total loans		1.78	%			1.48	%			0.69	%			0.74	%			2.62	%			0.30				(0.84	)
Nonperforming assets:
Nonaccrual loans	$	12,420			$	18,112			$	19,369			$	25,967			$	35,458			$	(5,692	)		$	(23,038	)
Loans 90 days or more past due and still accruing		-				-				-				-				112				-				(112	)
Nonperforming loans		12,420				18,112				19,369				25,967				35,570				(5,692	)			(23,150	)
Other real estate owned, net		-				1,980				1,995				-				117				(1,980	)			(117	)
Nonperforming assets(2)	$	12,420			$	20,092			$	21,364			$	25,967			$	35,687			$	(7,672	)		$	(23,267	)
Nonperforming assets to total assets		0.16	%			0.26	%			0.27	%			0.33	%			0.46	%			-0.10				-0.30
Nonperforming loans to total loans		0.19	%			0.28	%			0.30	%			0.41	%			0.57	%			-0.09				-0.38
(1) Includes nonaccrual loans of $12.4 million, $18.1 million, $19.4 million, $24.1 million, and $34.4 million as of Q1-26, Q4-25, Q3-25, Q2-25, and Q1-25, respectively.
(2) Excludes repossessed personal property of $0.3 million, $0.6 million, $0.4 million, $0.6 million, and $0.7 million as of Q1-26, Q4-25, Q3-25, Q2-25, and Q1-25, respectively.

	As of or for the Three Months Ended (in thousands)
	Mar 31,				Dec 31,				Sep 30,				Jun 30,				Mar 31,
	2026				2025				2025				2025				2025
Allowance for credit losses related to loans:
Balance at beginning of period	$	69,903			$	69,781			$	66,756			$	70,597			$	70,147
Credit loss expense (recovery) on loans		3,163				1,701				2,543				7,523				2,396
Net loan (charge-offs) recoveries		(2,598	)			(1,579	)			482				(11,364	)			(1,946	)
Balance at end of period	$	70,468			$	69,903			$	69,781			$	66,756			$	70,597
Net loan charge-offs (recoveries) to average loans (1)		0.16	%			0.10	%			-0.03	%			0.73	%			0.13	%
Allowance for credit losses to loans		1.08	%			1.07	%			1.07	%			1.06	%			1.12	%
Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	2,349			$	2,107			$	2,506			$	2,399			$	2,074
Credit loss expense (recovery) on off-balance sheet items		(271	)			242				(399	)			107				325
Balance at end of period	$	2,078			$	2,349			$	2,107			$	2,506			$	2,399
Unused commitments to extend credit	$	891,594			$	930,122			$	952,475			$	915,847			$	896,282
(1) Annualized

Corporate Developments
On January 23, 2026, Hanmi’s Board of Directors declared a cash dividend on its common stock for the 2026 first quarter of $0.28 per share. Hanmi paid the dividend on February 26, 2026, to stockholders of record as of the close of business on February 10, 2026.

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

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

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

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

• a failure to maintain adequate levels of capital and liquidity to support our operations;
• general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
• volatility and deterioration in the credit and equity markets;
• changes in investor sentiment or consumer spending, borrowing and savings habits;
• availability of capital from private and government sources;
• demographic changes;
• competition for loans and deposits and failure to attract or retain loans and deposits;
• inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
• our ability to enter new markets successfully and capitalize on growth opportunities;
• the current or anticipated impact of military conflict, terrorism or other geopolitical events;
• the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;
• risks of natural disasters;
• legal proceedings and litigation brought against us;
• a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;
• the failure to maintain current technologies;
• risks associated with Small Business Administration loans;
• failure to attract or retain key employees;
• our ability to access cost-effective funding;
• the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses;
• the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans;
• changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
• fluctuations in real estate values;
• changes in accounting policies and practices;
• changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
• the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
• strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
• the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
• our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
• changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
• our ability to control expenses;
• cyber security and fraud risks against our information technology and those of our third-party providers and vendors;
• 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)

	March 31,				December 31,				Percentage				March 31,				Percentage
	2026				2025				Change				2025				Change
Assets
Cash and due from banks	$	254,045			$	212,841				19.4	%		$	329,003				-22.8	%
Securities available for sale, at fair value		835,725				880,624				-5.1	%			907,011				-7.9	%
Loans held for sale, at the lower of cost or fair value		4,932				7,403				-33.4	%			11,831				-58.3	%
Loans, net of allowance for credit losses		6,474,998				6,493,465				-0.3	%			6,211,592				4.2	%
Accrued interest receivable		23,320				24,466				-4.7	%			23,536				-0.9	%
Premises and equipment, net		20,015				20,378				-1.8	%			20,866				-4.1	%
Customers’ liability on acceptances		-				125				-100.0	%			552				-100.0	%
Servicing assets		6,535				6,459				1.2	%			6,422				1.8	%
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		56,534				56,697				-0.3	%			57,476				-1.6	%
Prepaid expenses and other assets		135,707				139,311				-2.6	%			133,330				1.8	%
Total assets	$	7,839,227			$	7,869,185				-0.4	%		$	7,729,035				1.4	%
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,030,743			$	2,015,212				0.8	%		$	2,066,659				-1.7	%
Interest-bearing		4,769,879				4,662,438				2.3	%			4,552,816				4.8	%
Total deposits		6,800,622				6,677,650				1.8	%			6,619,475				2.7	%
Accrued interest payable		30,592				34,783				-12.0	%			29,646				3.2	%
Bank's liability on acceptances		-				125				-100.0	%			552				-100.0	%
Borrowings		-				150,000				-100.0	%			117,500				-100.0	%
Subordinated debentures		130,618				130,463				0.1	%			130,799				-0.1	%
Accrued expenses and other liabilities		74,576				79,778				-6.5	%			79,578				-6.3	%
Total liabilities		7,036,408				7,072,799				-0.5	%			6,977,550				0.8	%
Stockholders’ equity:
Common stock		34				34				0.0	%			34				0.0	%
Additional paid-in capital		595,374				594,667				0.1	%			591,942				0.6	%
Accumulated other comprehensive (loss)		(45,553	)			(43,175	)			5.5	%			(60,002	)			-24.1	%
Retained earnings		408,327				394,335				3.5	%			360,289				13.3	%
Less treasury stock		(155,363	)			(149,475	)			3.9	%			(140,778	)			10.4	%
Total stockholders’ equity		802,819				796,386				0.8	%			751,485				6.8	%
Total liabilities and stockholders’ equity	$	7,839,227			$	7,869,185				-0.4	%		$	7,729,035				1.4	%

     

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

	Three Months Ended
	March 31,				December 31,				Percentage				March 31,				Percentage
	2026				2025				Change				2025				Change
Interest and dividend income:
Interest and fees on loans	$	93,866			$	96,592				-2.8	%		$	90,887				3.3	%
Interest on securities		5,959				6,323				-5.8	%			6,169				-3.4	%
Dividends on FHLB stock		831				361				130.2	%			360				130.8	%
Interest on deposits in other banks		1,496				1,837				-18.6	%			1,841				-18.7	%
Total interest and dividend income		102,152				105,113				-2.8	%			99,257				2.9	%
Interest expense:
Interest on deposits		36,738				39,978				-8.1	%			40,559				-9.4	%
Interest on borrowings		676				695				-2.7	%			2,024				-66.6	%
Interest on subordinated debentures		1,535				1,561				-1.7	%			1,582				-3.0	%
Total interest expense		38,949				42,234				-7.8	%			44,165				-11.8	%
Net interest income before credit loss expense		63,203				62,879				0.5	%			55,092				14.7	%
Credit loss expense		2,892				1,943				48.8	%			2,721				6.3	%
Net interest income after credit loss expense		60,311				60,936				-1.0	%			52,371				15.2	%
Noninterest income:
Service charges on deposit accounts		2,127				2,196				-3.1	%			2,217				-4.1	%
Trade finance and other service charges and fees		1,501				1,735				-13.5	%			1,396				7.5	%
Gain on sale of Small Business Administration (“SBA”) loans		2,102				1,790				17.4	%			2,000				5.1	%
Gain on sale of residential mortgage loans		485				581				-16.5	%			175				177.1	%
Other operating income		2,324				1,997				16.4	%			1,938				19.9	%
Total noninterest income		8,539				8,299				2.9	%			7,726				10.5	%
Noninterest expense:
Salaries and employee benefits		21,956				22,472				-2.3	%			20,972				4.7	%
Occupancy and equipment		4,414				4,339				1.7	%			4,450				-0.8	%
Data processing		4,386				4,098				7.0	%			3,787				15.8	%
Professional fees		2,780				2,343				18.7	%			1,468				89.4	%
Supplies and communications		556				573				-3.0	%			517				7.5	%
Advertising and promotion		688				1,010				-31.9	%			585				17.6	%
Other operating expenses		3,588				4,274				-16.1	%			3,205				12.0	%
Total noninterest expense		38,368				39,109				-1.9	%			34,984				9.7	%
Income before tax		30,482				30,126				1.2	%			25,113				21.4	%
Income tax expense		7,925				8,887				-10.8	%			7,441				6.5	%
Net income	$	22,557			$	21,239				6.2	%		$	17,672				27.6	%
Basic earnings per share:	$	0.76			$	0.71							$	0.59
Diluted earnings per share:	$	0.75			$	0.70							$	0.58
Weighted-average shares outstanding:
Basic		29,629,130				29,694,534								29,937,660
Diluted		29,808,999				29,902,375								30,058,248
Common shares outstanding		29,806,694				29,894,757								30,233,514

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

	Three Months Ended
	March 31, 2026											December 31, 2025											March 31, 2025
					Interest			Average								Interest			Average								Interest			Average
	Average				Income /			Yield /				Average				Income /			Yield /				Average				Income /			Yield /
	Balance				Expense			Rate				Balance				Expense			Rate				Balance				Expense			Rate
Assets
Interest-earning assets:
Loans:
Commercial real estate (1)	$	3,964,174			$	55,836			5.71	%		$	4,004,348			$	57,774			5.72	%		$	3,938,099			$	54,861			5.65	%
Residential mortgage		1,035,929				14,035			5.42	%			1,043,250				14,134			5.38	%			960,862				12,750			5.38	%
Commercial and industrial (1)		1,024,117				16,970			6.72	%			990,279				17,467			7.00	%			797,524				15,252			7.76	%
Consumer		5,295				84			6.40	%			5,508				87			6.29	%			6,893				119			7.01	%
Equipment finance		404,801				6,941			6.86	%			412,854				7,130			6.91	%			486,153				7,905			6.50	%
Total loans (1)		6,434,316				93,866			5.90	%			6,456,239				96,592			5.94	%			6,189,531				90,887			5.95	%
Securities (2)		921,065				5,959			2.62	%			955,811				6,323			2.67	%			1,001,499				6,169			2.49	%
FHLB stock		16,385				831			20.56	%			16,385				362			8.75	%			16,385				360			8.92	%
Interest-bearing deposits in other banks		171,953				1,496			3.53	%			191,731				1,836			3.80	%			176,028				1,841			4.24	%
Total interest-earning assets		7,543,719				102,152			5.48	%			7,620,166				105,113			5.48	%			7,383,443				99,257			5.45	%
Noninterest-earning assets:
Cash and due from banks		52,668											54,651											53,670
Allowance for credit losses		(69,284	)										(69,786	)										(69,648	)
Other assets		247,771											247,808											249,148
Total assets	$	7,774,874										$	7,852,839										$	7,616,613
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	74,963			$	27			0.15	%		$	77,297			$	30			0.15	%		$	79,369			$	27			0.14	%
Money market and savings		2,063,186				13,082			2.57	%			2,130,616				15,130			2.82	%			2,037,224				16,437			3.27	%
Time deposits		2,522,505				23,629			3.80	%			2,506,582				24,818			3.93	%			2,345,346				24,095			4.17	%
Total interest-bearing deposits		4,660,654				36,738			3.20	%			4,714,495				39,978			3.36	%			4,461,939				40,559			3.69	%
Borrowings		69,388				675			3.94	%			64,565				695			4.27	%			179,444				2,024			4.57	%
Subordinated debentures		130,541				1,536			4.70	%			130,385				1,561			4.79	%			130,718				1,582			4.84	%
Total interest-bearing liabilities		4,860,583				38,949			3.25	%			4,909,445				42,234			3.41	%			4,772,101				44,165			3.75	%
Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,937,628											1,969,908											1,895,953
Other liabilities		134,153											142,754											144,654
Stockholders’ equity		842,510											830,732											803,905
Total liabilities and stockholders’ equity	$	7,774,874										$	7,852,839										$	7,616,613
Net interest income					$	63,203										$	62,879										$	55,092
Cost of deposits									2.26	%										2.37	%										2.59	%
Net interest spread (taxable equivalent basis)									2.23	%										2.07	%										1.70	%
Net interest margin (taxable equivalent basis)									3.38	%										3.28	%										3.02	%
(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)

	March 31,				December 31,				September 30,				June 30,				March 31,
Hanmi Financial Corporation and Subsidiaries	2026				2025				2025				2025				2025
Assets	$	7,839,227			$	7,869,185			$	7,856,731			$	7,862,363			$	7,729,035
Less goodwill and other intangible assets		(11,031	)			(11,031	)			(11,031	)			(11,031	)			(11,031	)
Tangible assets	$	7,828,196			$	7,858,154			$	7,845,700			$	7,851,332			$	7,718,004
Stockholders’ equity (1)	$	802,819			$	796,386			$	779,550			$	762,834			$	751,485
Less goodwill and other intangible assets		(11,031	)			(11,031	)			(11,031	)			(11,031	)			(11,031	)
Tangible stockholders’ equity (1)	$	791,788			$	785,355			$	768,519			$	751,803			$	740,454
Stockholders’ equity to assets		10.24	%			10.12	%			9.92	%			9.70	%			9.72	%
Tangible common equity to tangible assets (1)		10.11	%			9.99	%			9.80	%			9.58	%			9.59	%
Common shares outstanding		29,806,694				29,894,757				29,975,371				30,176,568				30,233,514
Tangible common equity per common share	$	26.56			$	26.27			$	25.64			$	24.91			$	24.49
(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 Subsidiaries	March 31,				December 31,				September 30,				June 30,				March 31,				Q1-26				Q1-26
	2026				2025				2025				2025				2025				vs. Q4-25				vs. Q1-25
Net income	$	22,557			$	21,239			$	22,061			$	15,117			$	17,672
Add back:
Credit loss expense		2,892				1,943				2,145				7,631				2,721
Income tax expense		7,925				8,887				9,396				6,115				7,441
Preprovision net revenue	$	33,374			$	32,069			$	33,602			$	28,863			$	27,834				4.1	%			19.9	%

Exhibit 99.2

California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington 1 Q 2 6 Ea rning s S u pp l e m en ta l Pre s en tat i o n April 21, 2026 NASDAQ | HAFC

2 TABLE OF CONTENTS 1Q26 PERFORMANCE RESULTS 5 – 21 LOAN PORTFOLIO DETAILS 22 – 30 1Q26 FINANCIAL SUMMARY 31 – 31 NON - GAAP RECONCILIATION 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 that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding, our ability to enter new markets successfully and capitalize on growth opportunities, the current or anticipated impact of military conflict, terrorism, or other geopolitical events, the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams, risks of natural disasters, legal proceedings and litigation brought against us, a failure in or breach of our operational or security systems or infrastructure, including cyberattacks, the failure to maintain current technologies, risks associated with Small Business Administration loans, failure to attract or retain key employees, our ability to access cost - effective funding, the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses, the impact of a potential federal government shutdown, which may impact on our ability to effect sales of small business administration loans, changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio, fluctuations in real estate values, changes in accounting policies and practices, changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U . S . Treasury and the Board of Governors of the Federal Reserve System, the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests, strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make, the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses, our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses, changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements, our ability to control expenses, and cyber security and fraud risks against our information technology and those of our third - party providers and vendors . Forward - looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated April 21 , 2026 , including the section titled “Forward Looking Statements” and the Company’s most recent Form 10 - K, 10 - Q and other filings with the Securities and Exchange Commission . The Company disclaims any obligation to update or revise the forward - looking statements herein .

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 $22.6M Diluted EPS $0.75 ROAA 1.18% ROAE 10.86% NIM 3.38% Efficiency Ratio 53.48% Earnings Performance • Net income was $22.6 million, or $0.75 per diluted share, up 6.2% from the fourth quarter, driven by continued growth in net interest income and margin, higher gains from sales of SBA loans, well - controlled noninterest expenses, and a lower effective tax rate. Return on average assets and return on average equity during the quarter were healthy at 1.18% and 10.86%, respectively. • Net interest income continued to grow, increasing 0.5% from the prior quarter, due primarily to lower interest expense as the average rate on interest - bearing deposits declined 16 basis points. Net interest margin increased ten basis points to 3.38%, due primarily to lower rates on interest - bearing deposits. Deposits and Loans • Deposits increased 1.8% to $6.8 billion from the prior quarter and noninterest - bearing demand deposits remained stable at approximately 30% of total deposits. • Loan production increased by 0.8% to $377.9 million from the prior quarter, driven primarily by a 64% increase in commercial and industrial loan production. New loans had a weighted average interest rate of 6.54% compared to a weighted average interest rate of 6.21% for payoffs. Asset Quality and Capital • Asset quality remained strong as nonperforming assets to total assets was 0 . 16 % , an improvement of ten basis points from the prior quarter, and nonperforming loans to total loans was 0 . 19 % , an improvement of nine basis points from the prior quarter . • Hanmi capital ratios strengthened further as tangible common equity to tangible assets improved 12 basis points to 10.11% and the common equity tier 1 capital ratio improved 15 basis points to 12.20%. Simultaneously, Hanmi returned $13.4 million of capital to shareholders in the form of dividends of $8.6 million and share repurchases of $4.8 million. 1Q26 HIGHLIGHTS

LOAN PRODUCTION 6 Loan production of $377.9 million for the first quarter, which included Commercial & Industrial production of $134.7 million . (1) $55.2 million, $46.8 million, $44.9 million, $44.1 million, and $40.7 million of SBA loan production includes $30.8 million, $23.3 million, $20.6 million, $22.3 million, and $23.9 million of loans secured by CRE and the remainder represents C&I loans for 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26, respectively. (2) Production includes purchases of guaranteed SBA loans of $11.0 million for 1Q25. (3) Production includes mortgage loan purchases of $10.0 million, $10.3 million, $3.0 million, and $3.4 million for 1Q25, 2Q25, 3Q25, and 4Q25, respectively. (4) Weighted average interest rated is the stated weighted average coupon. $131.4M Commercial real estate loan production $134.7M Commercial and industrial loan production $42.1M Equipment finance production $29.1M Residential mortgage production $40.7M SBA loan production 42% 31% 34% 35% 37% 6% $345.9 16% 16% 14% 12% $329.6 14% 26% 10% 16% 34% $570.8 8% 18% $374.8 12% 19% 14% 21% $377.9 11% 8% 11% 35% 7.35% 7.10% 6.91% 6.90% 6.54% 1Q26 SBA (1,2) 1Q25 CRE 2Q25 C&I 3Q25 Equipment Finance 4Q25 RRE (3) New Production and Weighted Average Interest Rate (4) ($ in millions)

CRE Owner Occupied 13% 15% Equipment Finance 6% CRE (2) Construction 1% (2,5) CRE Multifamily 7% (1, 2) CRE Investor (1, 2) (non - owner) 40% RRE (3) (1,6) C&I 18% $6.55 Billion Loan Portfolio (as of March 31, 2026) LOAN PORTFOLIO 7 Note: Numbers may not add due to rounding. (1) Includes syndicated loans of $546.7 million in total commitments ($441.0 million disbursed) across C&I ($448.4 million committed and $358.2 million disbursed) and CRE ($98.3 million committed and $82.8 million disbursed) (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 the property and also occupies it. The primary source of repayment is the cash flows from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units. (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 $0.9 million of HELOCs and $5.6 million in consumer loans. (4) Weighted average LTV and weighted average DCR calculated when the loan was first underwritten or renewed subsequently. (5) $78.5 million, or 17.8%, of the CRE multifamily loans are rent - controlled in New York City. (6) Includes $250.5 million of loans to nondepository financial institutions (NDFI). 1Q26 Average Yield Outstanding ($ in millions) 5.71% $3,998 Commercial Real Estate (CRE) (1,2) Portfolio 5.42% $1,002 Residential Real Estate (RRE) (3) Portfolio 6.72% $1,152 Commercial & Industrial (C&I) (1,6) Portfolio 6.86% $393 Equipment Finance Portfolio Weighted Average Debt Coverage Ratio (4) Weighted Average Loan - to - Value Ratio (4) # of Loans 2.04x 48.6% 832 CRE (2) Investor (non - owner) 2.70x 46.4% 726 CRE (2) Owner Occupied 1.73x 55.5% 158 CRE (2,5) Multifamily

31% 31% 31% 31% 31% 17% 17% 18% 17% 18% 21% 21% 19% 20% 19% $6,729 $6,767 $6,678 1% 1% 1% 1% 1% 30% 30% 31% 31% 31% 1Q26 4Q25 3Q25 2Q25 1Q25 Deposits $6,619 $6,801 Time > $250K Money Market & Savings Demand Noninterest - bearing Time <= $250K Demand Interest - bearing $4,661 $4,714 $4,704 $4,625 $4,462 1Q26 4Q25 3Q25 2Q25 1Q25 3.69% 3.64% 3.56% 3.36% 3.20% Rate on Interest - Bearing Deposits Average Interest - bearing Deposits DEPOSIT PORTFOLIO Total deposits increased 1.8% to $6.80 billion , from the prior quarter. Noninterest - bearing demand deposits represented 29.9% of total deposits at March 31, 2026. Estimated uninsured deposit liabilities were 44.4% of the deposits. Brokered deposits were low at 1.3% of the deposits. Note: Numbers may not add due to rounding. 8 ($ in millions) ($ in millions)

9 $55.1 $57.1 $63.2 3.02% 3.07% 3.22% 3.38% (3) 1Q25 2Q25 3Q25 Net Interest Income 4Q25 1Q26 NIM NET INTEREST INCOME | NET INTEREST MARGIN ($ in millions) $61.1 (1) $62.9 (2) 3.28% (2) 3.38% (3) 0.01% 0.12% - 0.03% 4Q25 Loans IB - deposits Other IB liabilities 1Q26 Increase Decrease Net interest income for the first quarter was $63.2 million and net interest margin (taxable equivalent) was 3.38% , both up from the fourth quarter. Net Interest Margin (1) Includes a $0.6 million interest recovery from a previously charged - off loan; represents approximately 3 bps of net interest margin (2) Includes a $0.2 million interest recovery from a previously charged - off loan and loans returned to accruing status; represents approximately 2 bps of net interest margin (3) Includes a $0.5 million special FHLB dividend; represents approximately 2 bps of net interest margin (1) 3.28% (2)

10 6.02% 6.00% 6.04% 5.95% 5.90% 5.93% 5.99% 5.95% 6.05% 5.89% 5.91% 4.20% 4.28% 4.29% 4.22% 3.83% 3.67% 3.18% 5.50% 5.00% 4.50% 4.50% 4.25% 3.75% 3.60% 3.58% 3.50% 3.27% 3.75% Mar - 24 Jun - 24 Aug - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Aug - 25 Sep - 25 Dec - 25 Mar - 26 NET INTEREST INCOME SENSITIVITY $61.6 $90.0 $14.0 $1.8 $962.9 $705.1 $1,024.5 $795.1 $367.6 $353.6 $308.8 $307.0 3.94% 3.54% 3.47% Rate on 3.75% CDs (4) 2Q 2026 1Q 2027 3Q 2026 Wholesale 4Q 2026 Retail 4.50% 4.50% 4.25% 3.75% 3.75% 4.17% 4.05% 3.97% 3.93% 3.80% 1Q25 2Q25 3Q25 Deposits – CD Maturities 㸦 $ in millions 㸧 4Q25 1Q26 Fed Funds Rate (3) Numbers may not add due to rounding. (1) Yield for Loans and rate on interest - bearing deposits represent monthly average yield and rate, respectively. Fed funds rate represents the rate at the end of the month. Beta is measured monthly between August 2024, when the fed funds rate was 5.50%, and August 2025, when the fed funds rate was 4.50%, and between August 2025, when the fed funds rate was 4.50%, and March 2026, when the fed funds rate was 3.75%. (2) Average rates on CDs and interest bearing - deposits for the month of March 2026 were 3.76% and 3.18%, respectively. (3) Fed funds rate represents the upper - target rate at the end of the quarter. (4) Represent weighted average contractual rates. Fed Funds Rate Yield for Loans Rate on Interest - bearing deposits Loan & Deposit Beta (1) Fed Funds Rate & Rate on CDs Rate on CDs (2) Time Horizon: Change in the Fed Funds Rate: Deposit Beta: Aug 24 – Aug 25 - 100 bps 71% Aug 25 – Mar 26 - 75 bps 53%

11 $2.1 36% $1.5 25% $0.9 15% $0.6 10% $0.8 14% Service charges on deposit accounts Trade finance, other service charges, and fees Servicing income Bank - owned life insurance All other operating income NONINTEREST INCOME $55.2 $46.8 $44.9 $44.1 $40.7 $32.2 $35.4 $32.6 $29.9 $32.5 7.82% 7.61% 6.95% 7.40% 7.88% 1Q25 2Q25 3Q25 SBA Loan Sales SBA Production 4Q25 1Q26 SBA Trade Premium $5.5 $6.8 $5.9 $2.0 $2.2 $1.9 $1.8 $2.1 $0.2 $1.2 $0.6 $0.5 $7.7 $8.1 Noninterest Income 㸦 $ in millions 㸧 $9.9 $8.3 $8.5 1Q25 2Q25 Service charges, fees & other 3Q25 Gain on sale of SBA loans (1) $5.9 Numbers may not add due to rounding. (1) Includes $0.4 million, $0.9 million, and $0.3 million in BOLI death benefits for 2Q25, 3Q25, and 1Q26, respectively. (2) 1Q25, 4Q25, and 1Q26 each had one mortgage loan sale transaction. 2Q25 and 3Q25 had zero and two transactions, respectively. Noninterest income for the first quarter was $8.5 million , up 2.9% from the fourth quarter, primarily due to a $0.3 million increase in gain on sale of SBA loans. 1Q26 Service Charges, Fees & Other 㸦 $ in millions 㸧 SBA 7(a) Loan Production and Sales 㸦 $ in million 㸧 (1) 4Q25 1Q26 Gain of sale of mortgage loans (2) $5.9 (1)

NONINTEREST EXPENSE 12 (1) Includes a $0.6 million and $0.8 million gain from the sale of OREO properties in 2Q25 and 1Q26, respectively. Noninterest expense was $38.4 million for the first quarter, down 1.9% from the fourth quarter, principally due to the gains recognized on the sales of foreclosed properties for the first quarter, compared with an expense for other real estate owned for the fourth quarter. $3.9 $35.0 1.86% 1.89% 1.90% 1.98% 2.00% (1) $38.4 $4.8 (1) $2.8 $4.4 $39.1 $5.9 $2.3 $4.1 $37.4 $4.8 $2.0 $36.3 $4.2 $4.5 (1) $1.5 $1.7 $3.8 $3.7 $4.4 $4.3 $4.5 $4.5 $4.3 $22.0 $22.5 $22.2 $21.0 $22.1 1Q26 4Q25 3Q25 1Q25 2Q25 Data Processing Occupancy and equipment Salaries and employee benefits Noninterest expense / Average assets ($ in millions)

13 $9.1 $5.2 $8.2 $12.4 $8.9 $4.4 $17.3 $10.9 $3.5 $7.4 $11.6 $7.0 $4.6 $17.6 $13.3 Delinquent Loans (1) 㸦 $ in millions 㸧 0.28% 0.17% 0.18% 0.27% 0.20% 4Q25 1Q26 All Other Delinquent Loans 1Q25 2Q25 3Q25 Equipment Finance Delinquent Loans Numbers may not add due to rounding. ASSET QUALITY – DELINQUENT & CRITICIZED LOANS Delinquent loans / Total loans $22.7 $118.4 $71.1 $164.9 $46.6 $97.0 $116.4 2.62% 0.74% 0.69% 1.48% 1.78% Criticized loans / Total loans 1Q25 2Q25 Classified 3Q25 4Q25 Special Mention 1Q26 (1) Represents loans 30 to 89 days past due and still accruing. (2) Includes nonaccrual loans of $34.4 million, $24.1 million, $19.4 million, $18.1 million, and $12.4 million as of 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26, respectively. (3) Includes two special mention CRE loans of $105.8 million in the hospitality industry and a $12.2 million C&I relationship in the retail industry. (4) Includes one CRE loan designated nonaccrual totaling $20.0 million, $11.0 million , $10.6 million, $10.2 million and $0.3 million for 1Q25, 2Q25, 3Q25, 4Q25, and $1Q26, respectively. (5) Includes one C&I relationship in the retail industry totaling $12.2 million, $11.8 million, $11.6 million, and $11.4 million for 2Q25, 3Q25, 4Q25, and 1Q26, respectively. (6) Includes one special mention CRE loan of $55.0 million, and $54.8 million in the hospitality industry for 4Q25, and 1Q26, respectively. (7) Includes one special mention CRE loan of $21.2 million in the retail industry. (3) (4) $46.5 $12.7 (5) $33.9 (4) $45.4 $16.8 (5) (4) $28.6 The $19.4 million increase in criticized loans in the first quarter was primarily driven by a $21.2 million commercial real estate loan in the retail industry downgraded to special mention. Criticized Loans (2) 㸦 $ in millions 㸧 (5,6) (4) $25.9 (5,6,7) $93.7

14 Nonperforming assets were $ 12 . 4 million at the end of the first quarter, down 38 . 3 % from $ 20 . 1 million at the end of the fourth quarter . $35.6 $26.0 $19.4 $18.1 $12.4 $0.1 $2.0 $2.0 $35.7 $26.0 $21.4 $20.1 $12.4 0.46% 0.33% 0.27% 0.26% 0.16% 1Q26 4Q25 OREO ASSET QUALITY – NONPERFORMING ASSETS & NONACCRUAL LOANS (1) Nonperforming assets exclude repossessed personal property of $0.7 million, $0.6 million, $0.4 million, $0.6 million, and $0.3 million for 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26 respectively. (2) Specific allowance for credit losses for 1Q25, 2Q25, 3Q25, 4Q25, and 1Q26 was $11.8 million, $4.1 million, $4.4 million, $3.4 million, and $3.2 million, respectively. (3) Residential real estate includes consumer loans. (4) Represents a $10.2 million and $0.3 million CRE loan at 4Q25 and 1Q26, respectively. 1Q25 2Q25 3Q25 Nonperforming loans Note: Numbers may not add due to rounding. $20.0 $11.0 $10.2 $35.5 (2) $18.1 3Q25 1Q25 2Q25 Equipment Finance All other CRE and C&I < $3M 4Q25 1Q26 Residential Real Estate (3) All other CRE and C&I >= $3M $26.0 (2) (2) (2) (2) $19.4 $12.4 (4) $10.6 $4.0 $4.5 $3.2 $2.5 $2.0 $4.7 $1.7 $1.1 $5.1 $1.7 $0.3 $6.8 $4.0 $7.0 $2.8 $8.2 Nonperforming Assets (1) 㸦 $ in millions 㸧 Nonaccrual Loans 㸦 $ in millions 㸧 Nonperforming assets / Total assets

15 $2.8 $3.0 $2.4 $2.0 $3.0 $0.4 $0.2 $0.9 $0.2 $3.2 Gross Charge - offs 㸦 $ in millions 㸧 $12.4 $2.6 $2.9 $3.2 $9.4 (2) 1Q25 2Q25 3Q25 Equipment Finance Charge - offs 4Q25 1Q26 All Other Loan Charge - offs ASSET QUALITY – GROSS & NET LOAN CHARGE - OFFS $2.3 $1.6 $1.4 $2.4 ($0.1) $9.0 $0.2 $0.2 $1.9 $2.0 $11.4 $1.6 $2.6 ($0.5) 3Q25 0.13% 0.73% - 0.03% 0.10% 0.16% 1Q25 2Q25 4Q25 1Q26 All Other Net Charge - offs Equipment Finance Net Charge - offs Note: Numbers may not add due to rounding. (1) Includes a $2.0 million recovery on a loan previously charged - off in 3Q25. (2) Includes an $8.6 million commercial real estate loan charge - off. Net charge - offs for the first quarter were $2.6 million , or 16 bps annualized. Net Charge - offs (Recoveries) 㸦 $ in millions 㸧 (2) ($2.1) (1 Net Charge - offs / Average loans )

16 $70.6 $66.8 $69.8 $69.9 $70.5 1.06% 1.07% 1.07% 1.08% Allowance for Credit Losses 㸦 $ in millions 㸧 1.12% 1Q25 2Q25 3Q25 Allowance for credit losses 4Q25 1Q26 ACL to Loans $2.7 Credit Loss Expense 㸦 $ in millions 㸧 $7.6 $2.1 $1.9 $2.9 1Q25 2Q25 3Q25 Credit loss expense 4Q25 1Q26 The allowance for credit losses was $70.5 million at March 31, 2026, or 1.08% of total loans, compared with $69.9 million , or 1.07% of total loans, at the end of the prior quarter. ACL TREND

17 ACL ANALYSIS BY LOAN TYPE Note: Numbers may not add due to rounding. Loans Allowance Loans Allowance Loans Allowance Loans Allowance Loans Allowance $ 3,975.7 $ 41.4 $ 3,948.9 $ 37.5 $ 4,015.3 $ 40.2 $ 4,030.1 $ 38.7 $ 3,998.1 $ 36.8 CRE 854.4 6.2 918.0 6.9 1,052.5 7.3 1,074.9 7.8 1,152.6 8.8 C&I 472.6 13.0 445.2 11.8 416.9 11.0 408.5 10.4 392.6 11.6 Equipment Finance 979.5 10.0 993.9 10.6 1,043.6 11.3 1,049.9 13.0 1,002.2 13.3 RRE & Consumer $ 6,282.2 $ 70.6 $ 6,306.0 $ 66.8 $ 6,528.3 $ 69.8 $ 6,563.4 $ 69.9 $ 6,545.5 $ 70.5 Total ($ in millions) March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

18 15 Year 65% 20 Year 19% SECURITIES PORTFOLIO $233 $310 $168 $96 $29 $24 $16 $11 $262 $334 $184 $107 2025 Actual 2026 Principal 2028 2027 Interest US Agy 2% US Agy MBS - Residential 61% US Agy MBS - Commercial 17% US Agy CMO 8% Municipal 12% UST 14% US Agy 6% US Agy MBS - Residential 45% US Agy MBS - Commercial 8% US Agy CMO 19% Municipal 8% Available for Sale (1) $900 Million < 1 Year 19% 1 to 3 Year 20% 3 to 5 Years 38% > 5 Years 23% $400 Million 30 Year (2) 16% Unrealized Loss $64 Million Securities Duration 3.7 Years Note: Numbers may not add due to rounding. (1) Based on the book value. (2) 98.0% constitutes CRA bonds. (3) 2026 year - to - date observed $76.8 million of principal paydown and $7.1 million of interest payments. The $900.0 million securities portfolio (all AFS, no HTM) represented 11% of assets at March 31, 2026, and had a weighted average modified duration of 3.7 years with $64.3 million in an unrealized loss position. Principal Paydowns (3) 㸦 $ in millions 㸧 US Agy Residential MBS Maturity (3)

19 LIQUIDITY 1Q25 2Q25 (1) Rate at March 31, 2026, based on 3 - month SOFR + 166 bps. (2) Issued in August 2021 and due in September 2031. The interest rate is fixed at 3.75% for 5 years. The rate resets quarterly commencing September 1, 2026 to the 3 - month SOFR + 310 bps. 15.3% 16.3% 15.6% 15.8% 15.4% 17.2% 18.9% 17.7% 18.3% 15.2% 13.5% 15.2% 13.5% 15.1% 13.4% 1.1% 1.3% 1.3% 1.3% 1.3% 3Q25 4Q25 1Q26 Liquid Assets to Total Assets Liquid Assets to Total Liabilities Liquid Assets to Deposits Brokered Deposits to Deposits Liquidity Position 㸦 $ in millions 㸧 Cash & Securities at Company - only 㸦 $ in millions 㸧 Company - only Subordinated Debentures 㸦 $ in millions 㸧 Liquidity Ratios % of Assets Balance 3.3% 254 $ Cash & cash equivalents 10.1% 787 Securities (unpledged) 0.1% 5 Loans held for sale 13.4% 1,046 Liquid Assets 19.4% 1,509 FHLB available borrowing capacity 5.3% 412 FRB discount window borrowing capacity 1.8% 140 Federal funds lines (unsecured) available 26.5% 2,061 Secondary Liquidity Sources 39.9% 3,107 $ Bank Liquidity (Liquid Assets + Secondary Liquidity) Balance 1 $ Cash 49 Securities (AFS) 50 $ Amortized Rate Cost Par 5.34% 22 $ 27 $ 2036 Trust Preferred Securities 3.75% 109 110 2031 Subordinated Debt 131 $ 137 $ The Bank and the Company had ample liquidity resources at March 31, 2026. (1) (2)

20 42% 53% 41% $17.7 $15.1 $22.1 $21.2 $22.6 9.59% 9.58% 9.80% 9.99% 10.11% 1Q25 Dividends $24.49 $24.91 $25.64 $26.27 $26.56 9.59% 9.58% 10.37% 10.27% 21% 21% 9% 35% 11% 48% 6% 10.41% 10.54% 10.70% 9.80% 9.99% 10.11% 38% 38% 37% 54% 46% 1Q25 2Q25 1Q26 TCE/TA (1) 3Q25 4Q25 TCE/TA (w/o AFS AOCI) (1) 4Q25 1Q26 Net Income - Retained (3) (1) Non - GAAP financial measure, refer to the non - GAAP reconciliation slides. (2) Includes shares purchased to satisfy employees’ tax liabilities upon the vesting of stock - based compensation of $0.6 million, $0.4 million, and $1.1 million for 1Q25, 2Q25, and 1Q26, respectively. (3) “Net Income – Retained” is equal to net income minus dividend payout and share repurchases. CAPITAL MANAGEMENT TCE / TA (1) Prudent capital management while driving shareholder return through stable quarterly dividends and share repurchase program. Tangible book value per share (TBVPS) (1) increased 1.1% to $26.56 at the end of the first quarter. TBVPS (1) & TCE/TA (1) Dividends, Share Repurchases & TCE/TA (1) 㸦 $ in millions 㸧 2Q25 3Q25 Share Repurchases (2)

21 REGULATORY CAPITAL 8.00% 6.00% 4.50% 2.50% 15.22% 14.57% 2.50% 12.52% 11.86% 10.50% 8.50% 2.50% 7.00% 12.20% 11.54% Total Capital Tier 1 Capital CET1 Capital Minimum Requirement Company Capital Conservation Buffer Pro Forma (1) 6.50% 13.37% 12.72% 8.00% 13.37% 12.72% 10.00% 14.45% 13.80% Total Capital Tier 1 Capital Bank CET1 Capital Well Capitalized Bank Pro Forma (1) (1) Pro forma illustrates capital ratios with unrealized AFS securities losses at March 31, 2026. Non - GAAP financial measure; refer to the non - GAAP reconciliation slide. Company The Company exceeded regulatory minimums and the Bank remained well capitalized at March 31, 2026.

22 USKC ( 1 ) LOANS & DEPOSITS USKC portfolio represented $818.1 million , or 13% of the loan portfolio, and $1.13 billion , or 17% of the deposit portfolio at March 31, 2026. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 2.00x and weighted average loan - to - value (2) of 50.4%. USKC Loans – Top 10 Industries (as of 1Q26) 29% 22% 20% 5% 4% 4% 3% 2% 2% 2% 7% Auto Part Manufacturing RE Investment Hotel Food Polyester Manufact Education Golf Course Computer Equipment Manufacturing Steel Offices of Other Holding Companies Other 20% 12% 8% 7% Steel 7% All Other Financial Investment Activities 6% RE Investment/Leasing 3% Management of Companies and Enterprises 2% Electrical Auto Parts 2% Auto Steering and Suspension Components 2% Hospitality Other 31% Auto Parts Manufacturing Electronics/Home Appliances Food USKC Deposits – Top 10 Industries (as of 1Q26) $932 24% 76% $841 23% 77% $910 24% 76% $862 25% 75% $818 26% 74% 4Q25 1Q26 3Q25 CRE C&I USKC Loans by Product 㸦 $ in millions 㸧 (3) 1Q25 2Q25 (4) USKC Deposits by Product 㸦 $ in millions 㸧 $1,131 $1,024 $1,040 $950 $969 55% 60% 57% 61% 57% 29% 31% 34% 35% 37% 1Q26 4Q25 3Q25 2Q25 1Q25 Demand Noninterest - bearing Money Market & Savings (1) U.S. subsidiaries of Korean corporations (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Includes $20.0 million CRE loan designated nonaccrual at March 31, 2025. (4) Includes $11.0 million CRE loan designated nonaccrual at June 30, 2025. (5) Time deposits, not illustrated, represent the remainder to add to 100%. (5)

23 Total >3 Years 1 - 3 Years <1 Year ($ in millions) Real Estate Loans 1,167.7 $ 560.8 $ 381.8 $ 225.1 $ Retail 865.2 332.9 281.4 250.9 Hospitality 486.5 59.9 203.4 223.2 Office 1,464.9 647.0 488.7 329.2 Other 3,984.3 $ 1,600.6 $ 1,355.3 $ 1,028.4 $ Commercial Property 13.8 - - 13.8 Construction 1,002.3 996.6 0.1 5.6 RRE/Consumer 5,000.4 $ 2,597.2 $ 1,355.4 $ 1,047.8 $ Total Real Estate Loans 1,152.5 504.2 204.4 443.9 C&I (1) 392.6 167.7 187.1 37.8 Equipment Finance 6,545.5 $ 3,269.1 $ 1,746.9 $ 1,529.5 $ Loans Receivable LOAN PORTFOLIO MATURITIES Note: numbers may not add due to rounding. (1) $394.6 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) $118.2 million, or 3.0%, and $28.8 million, or 0.7%, of the CRE portfolio are unguaranteed and guaranteed SBA loans, respectively. (2) $63.3 million, or 5.5%, and $51.5 million, or 4.5%, of the C&I portfolio are unguaranteed and guaranteed SBA loans, respectively. Retail 29% Hospitality 22% Office 12% Industrial 12% Multifamily 10% Gas Station 5% Mixed Use 3% Construction 1% Other 6% CRE Portfolio (1) $3,998M Manufacturing 29% Finance & Insurance 15% 6% Wholesale Retail Trade Trade 8% Healthcare 3% Real Estate Rental & Leasing 3% Other 36% C&I Portfolio (2) $1,152M • CRE (1) represents 61% of the total portfolio • C&I (2) represents 18% of the total portfolio. 24

California $2,600 65% Texas $389 10% Illinois $100 2% New York $277 7% Other $632 16% CRE Composition by State $3,998 CRE PORTFOLIO GEOGRAPHICAL EXPOSURE 25 California $7 50% Other $7 50% Construction by State $14 California $494 56% Texas $51 6% New York $14 1% Illinois $14 2% Other $304 35% Owner Occupied by State $877 California $1,831 69% Texas $270 10% Illinois $75 3% New York $184 7% Other $306 11% Investor (Non - owner Occupied) by State $2,666 California $269 61% 15% New York $78 18% Texas $68 Illinois $11 3% Other $15 3% Multifamily by State $441 ($ in millions)

Rate Distribution Portfolio by State Fixed 72% Variable 28% OFFICE LOAN PORTFOLIO 26 (1) Segment represents exposure in CRE and excludes construction. 5.1% of the portfolio was owner occupied. (2) SBA CRE office loans were $10.0 million, or 2.1% of total office loans, at March 31, 2026. (3) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (4) Includes $1.2 million CRE loan designated nonaccrual at March 31, 2026. The CRE office portfolio (1) was $486.5 million (2) at March 31, 2026, representing 7% of the total loan portfolio. $4.1M Average balance of the portfolio 2.05x Weighted average debt coverage ratio (3) of the segment 55.4% Weighted average loan to value (3) of the segment 33.2% of the portfolio is expected to reprice in 1 to 3 months 0.07% of the office portfolio was delinquent 0.26% of the office portfolio was criticized (4) Remaining = 3% 84% 8% 5%

27 HOSPITALITY SEGMENT (1) SBA loans in the hospitality segment were $21.5 million, or 2.5% of total hospitality loans, at March 31, 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 one special mention CRE loan of $55.0 million, at March 31, 2026. The hospitality segment represented $865.0 million , (1) or 13% of the total loan portfolio and 22% of the total CRE portfolio, at March 31, 2026. $4.6M Average balance of the segment (excluding construction) 2.05x Weighted average debt coverage ratio (2) of the segment 51.5% Weighted average loan to value (2) of the segment $61.5M or 7.11%, of the hospitality segment was criticized as of March 31, 2026 (4) $0.3M in three nonaccrual loans included in the segment – two in metropolitan (3) areas in Texas and California; one in a suburban/destination (3) area Metropolitan (3) 60% Destination / Suburban (3) 28% Airport 5% Resort 6% Convention Center 1% Hospitality by Type

28 RETAIL SEGMENT The retail segment represented $1.17 billion , (1) or 18% of the total loan portfolio, and 30% of the total CRE portfolio, at March 31, 2026. $1.6M Average balance of the segment 2.00x Weighted average debt coverage ratio (2) of the segment 45.93% Weighted average loan to value (2) of the segment $24.8M or 2.12%, of the retail segment was criticized at March 31, 2026 $1.0M or 0.08%, of the retail segment was on nonaccrual status at March 31, 2026 California 70% Texas 13% Illinois Georgia 2% 4% Other 11% Percentage of Portfolio (1) SBA loans in the retail segment are $85.1 million, or 7.29% of total retail loans, at March 31, 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 $1.00 billion at March 31, 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. 26.0% Fixed Non - QM 92% (3) Jumbo Non - QM 7% (4) QM 1% (2) (1) RRE includes $0.9 million of Home Equity Line of Credit (HELOC) and $5.6 million in consumer loans. (2) 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 74.0% Variable 0.78% 0.47% 9.9% 90.1% Reset within the Reset after next 12 months 12 months 0.11% Total 30 - 59 days 60 - 89 days delinquencies delinquency category delinquency category $2.0M / 0.2% on nonaccrual status at March 31, 2026 Percentage of Portfolio

4% 5% 4% Remaining = 46% 11% 10% 4% 8% 4% 4% EQUIPMENT FINANCE PORTFOLIO 30 Transportation 18% Construction 15% Waste Management 13% Manufacturing 13% Retail Trade 6% Professional Services 6% Health Care 6% Hospitality 4% Wholesale Trade 4% Other Services 3% Other 12% Portfolio by Industry (1) Other includes real estate and agriculture of 3% and 2%, respectively. The equipment finance portfolio represented $392.6 million , or 6% of the loan portfolio, at March 31, 2026. Portfolio by Equipment 28% 8% 7% 6% 5% 5% 4% 4% 4% 29% Portfolio by State (1)

31 1 Q 26 FINANCIAL SUMMARY Note: Numbers may not add due to rounding. (1) Percentage change calculated from dollars in thousands; change in basis points for selected balance sheet items and performance metrics. (2) Non - GAAP financial measure, refer to the non - GAAP reconciliation slide. Y/Y Q/Q March 31, 2025 December 31, 2025 March 31, 2026 ($ in millions, except EPS) Income Statement Summary 14.7% 0.5% 55.1 $ 62.9 $ 63.2 $ Net interest income before credit loss 10.5% 2.9% 7.7 8.3 8.5 Noninterest income 14.2% 0.8% 62.8 71.2 71.7 Operating revenue 9.7% - 1.9% 35.0 39.1 38.4 Noninterest expense 19.9% 4.1% 27.8 32.1 33.4 Preprovision net revenue 6.3% 48.8% 2.7 1.9 2.9 Credit loss (recovery) expense 21.4% 1.2% 25.1 30.1 30.5 Pretax income 6.5% - 10.8% 7.4 8.9 7.9 Income tax expense 27.6% 6.2% 17.7 $ 21.2 $ 22.6 $ Net income 0.58 $ 0.70 $ 0.75 $ EPS - Diluted Selected Balance Sheet Items 4.2% - 0.3% 6,282 $ 6,563 $ 6,545 $ Loans receivable 2.7% 1.8% 6,619 6,678 6,801 Deposits 1.4% - 0.4% 7,729 7,869 7,839 Total assets 6.8% 0.8% 751 $ 796 $ 803 $ Stockholders' equity 52 12 9.59% 9.99% 10.11% TCE/TA (2) Performance Metrics 24 11 0.94% 1.07% 1.18% Return on average assets 194 72 8.92% 10.14% 10.86% Return on average equity 36 10 3.02% 3.28% 3.38% Net interest margin (221) (147) 55.69% 54.95% 53.48% Efficiency ratio Change (1)

32 NON - 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. March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 Hanmi Financial Corporation $ 7,729,035 $ 7,862,363 $ 7,856,731 $ 7,869,185 $ 7,839,227 Assets (11,031) (11,031) (11,031) (11,031) (11,031) Less goodwill and other intangible assets $ 7,718,004 $ 7,851,332 $ 7,845,700 $ 7,858,154 $ 7,828,196 Tangible assets $ 751,485 $ 762,834 $ 779,550 $ 796,386 $ 802,819 Stockholders' equity (1) (11,031) (11,031) (11,031) (11,031) (11,031) Less goodwill and other intangible assets $ 740,454 $ 751,803 $ 768,519 $ 785,355 $ 791,788 Tangible stockholders' equity (1) 60,035 54,541 48,004 43,277 45,570 Add AFS securities AOCI $ 800,489 $ 806,344 $ 816,523 $ 828,632 $ 837,358 Tangible stockholders' equity without AFS securities AOCI (1) 9.72% 9.70% 9.92% 10.12% 10.24% Stockholders' equity to assets 9.59% 9.58% 9.80% 9.99% 10.11% Tangible common equity to tangible assets (TCE/TA) (1) 10.37% 10.27% 10.41% 10.54% 10.70% TCE/TA (w/o AFS securities AOCI) (1) 30,233,514 30,176,568 29,975,371 29,894,757 29,806,694 Common shares outstanding $24.49 $24.91 $25.64 $26.27 $26.56 Tangible common equity per common share (In thousands, except share, per share data and ratios)

33 NON - G A A P R E C O N C I L I A T I O N : PRO FORMA REGULATORY CAPITAL Bank (1) Company (1) ($ in thousands) Total Risk - based Tier 1 Common Equity Tier 1 Total Risk - based Tier 1 Common Equity Tier 1 $ 977,985 $ 904,943 $ 904,943 $ 1,030,325 $ 847,283 $ 825,453 Regulatory capital (45,550 ) (45,550 ) (45,550 ) (45,570 ) (45,570 ) (45,570 ) Unrealized loss on AFS securities $ 932,435 $ 859,393 $ 859,393 $ 984,755 $ 801,713 $ 779,883 Adjusted regulatory capital $ 6,758,439 $ 6,758,439 $ 6,758,439 $ 6,758,703 $ 6,758,703 $ 6,758,703 Adjusted Risk weighted assets 14.45% 13.37% 13.37% 15.22% 12.52% 12.20% Regulatory capital ratio as reported - 0.65% - 0.65% - 0.65% - 0.65% - 0.66% - 0.66% Impact of unrealized losses on AFS securities 13.80% 12.72% 12.72% 14.57% 11.86% 11.54% Pro forma regulatory capital ratio Note: numbers may not add due to rounding (1) Pro forma capital ratios at March 31, 2026. Risk weighted assets $ 6,767,937 $ 6,767,937 $ 6,767,937 (9,234 ) (9,234 ) (9,234 ) $ 6,768,197 $ 6,768,197 $ 6,768,197 (9,758 ) (9,758 ) (9,758 ) Risk weighted assets impact of unrealized losses on AFS securities

34 NON - 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 Q1 - 26 Q1 - 26 March 31, June 30, September 30, December 31, March 31, vs. Q4 - 25 vs. Q1 - 25 2025 2025 2025 2025 2026 Hanmi Financial Corporation $ 17,672 2,721 $ 15,117 7,631 $ 22,061 2,145 $ 21,239 1,943 $ 22,557 2,892 Net income Add back: Credit loss expense 7,441 6,115 9,396 8,887 7,925 Income tax expense 4.1% 19.9% $ 27,834 $ 28,863 $ 33,602 $ 32,069 $ 33,374 Preprovision net revenue

FAQ

How did Hanmi Financial (HAFC) perform financially in Q1 2026?

Hanmi Financial reported net income of $22.6 million in Q1 2026, up from $21.2 million in Q4 2025 and $17.7 million a year earlier. Diluted EPS was $0.75, with return on average assets of 1.18% and return on average equity of 10.86%.

What happened to Hanmi Financial’s net interest margin in Q1 2026?

Hanmi’s net interest margin improved to 3.38% in Q1 2026 from 3.28% in Q4 2025. The key driver was a 16 basis point decline in the cost of interest-bearing deposits to 3.20%, while average loan yield stayed near 5.90%.

How strong were Hanmi Financial’s asset quality metrics in Q1 2026?

Asset quality remained solid, with nonperforming assets at 0.16% of total assets and nonperforming loans at 0.19% of total loans. The allowance for credit losses was $70.5 million, representing 1.08% of total loans as of March 31, 2026.

What was Hanmi Financial’s loan and deposit growth in Q1 2026?

Total loans held for investment were $6.55 billion, roughly flat sequentially, while new loan production reached $377.9 million. Deposits increased 1.8% from Q4 2025 to $6.80 billion, with noninterest-bearing deposits at 29.9% of the total.

How well capitalized is Hanmi Financial after Q1 2026?

Hanmi remained well capitalized, with a tangible common equity to tangible assets ratio of 10.11% and a common equity tier 1 capital ratio of 12.20% at March 31, 2026. Total stockholders’ equity was $802.8 million, up from $796.4 million at year-end 2025.

Did Hanmi Financial return capital to shareholders in Q1 2026?

Yes. Hanmi returned $13.4 million of capital to shareholders in Q1 2026, including $8.6 million of cash dividends and $4.8 million of share repurchases. Tangible common equity per share rose to $26.56, up from $26.27 in the prior quarter.

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