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Hanmi Financial Corp — 3Q26 Earnings Supplemental Deck combined vF (company IR deck)
Hanmi Financial Corp (HAFC) · 0 slides · Filed Oct 27, 2026
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Slide 1 — 3Q26 Earnings Supplemental
California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington 3Q26 Earnings Supplemental Presentation October 27, 2026 NASDAQ | HAFC
Slide 2 — TABLE OF
2 TABLE OF CONTENTS 3Q26 PERFORMANCE RESULTS LOAN PORTFOLIO DETAILS 3Q26 FINANCIAL SUMMARY NON-GAAP RECONCILIATION 5 – 21 22 – 30 31 32 – 34
Slide 3 — FORWARD-LOOKING STATEMENTS
3 FORWARD-LOOKING STATEMENTS Hanmi Financial Corporation (the “Company”) cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statements regarding operating performance, financial position, financial results and liquidity, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, and all other forecasts and statements of expectation or assumption underlying any of the foregoing. These statements involve known and unknown risks and uncertainties that are difficult to predict. Investors should not rely on any forward-looking statement and should consider risks, such as a failure to maintain adequate levels of capital and liquidity to support our operations, general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions, volatility and deterioration in the credit and equity markets, changes in investor sentiment or consumer spending, borrowing and savings habits, availability of capital from private and government sources, demographic changes, competition for loans and deposits and failure to attract or retain loans and deposits, inflation and fluctuations in interest rates and the shape of the yield curve that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding, our ability to enter new markets successfully and capitalize on growth opportunities, the current or anticipated impact of military conflict, terrorism, or other geopolitical events, the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams, risks of natural disasters, legal proceedings and litigation brought against us, risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors, the failure to maintain current technologies, risks associated with Small Business Administration loans, failure to attract, develop, or retain key employees, our ability to access cost-effective funding, the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy, the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty, changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio, fluctuations in real estate values, changes in accounting policies and practices, changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests, strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make, the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses, our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses, changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements, our ability to control expenses, the inability of third-party service providers to perform their obligations to us, and the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties. Forward-looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated October 27, 2026, including the section titled “Forward-Looking Statements” and the Company’s most recent Form 10-K, 10-Q and other filings with the Securities and Exchange Commission. The Company disclaims any obligation to update or revise the forward-looking statements herein.
Slide 4 — NON-GAAP FINANCIAL INFORMATION
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.
Slide 5 — $23.7M
5 Net Income $23.7M Diluted EPS $0.80 ROAA 1.17% ROAE 10.90% NIM 3.44% Efficiency Ratio 52.02% Earnings Performance • Net income increased 0.8% from the second quarter, with 10.8% growth in preprovision net revenue1 offset by a $3.3 million increase in credit loss expense from a single loan charge-off. • Net interest income increased 5.8% to $67.6 million, reflecting 2.4% growth in average interest-earning assets, which was funded by 2.8% growth in average deposits. • Net interest margin was 3.44%, up 8 bps; the average yield on loans increased 13 bps while the average rate on interest-bearing deposits increased only 1 bp. Deposits and Loans • Deposits grew 1.4% to $7.06 billion, with core deposits up 1.9% and noninterest-bearing deposits stable at 30.4% of total deposits. • Loans increased 0.5% to $6.57 billion as new loan production increased 46.2%, or $171.7 million, partially offset by an increase in payoffs of $127.0 million. Asset Quality and Capital • Hanmi recognized a $3.2 million charge-off on a $21.2 million commercial real estate loan when it was moved to held-for-sale; asset quality however remained strong with nonperforming assets to total assets unchanged from the second quarter at 0.12% and a low 0.14% ratio of nonperforming loans to total loans. • Hanmi returned 55.6% of third quarter earnings to shareholders, comprising $8.3 million in dividends and $4.9 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets(1) at 9.93% and a common equity Tier 1 capital ratio of 12.30%. 3Q26 HIGHLIGHTS (1) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide.
Slide 6 — LOAN PRODUCTION
LOAN PRODUCTION 6 Loan production was $543.6 million for the third quarter, which included commercial & industrial loan production of $170.3 million, a 91% increase quarter-over-quarter. (1) Weighted average interest rate is the stated loan interest rate weighted by the loan amount. (2) Production includes mortgage loan purchases of $3.0 million, $3.4 million, $12.3 million, and $4.7 million for 3Q25, 4Q25, 2Q26, and 3Q26, respectively. (3) $44.9 million, $44.1 million, $40.7 million, $37.1 million, and $41.0 million of SBA loan production includes $20.6 million, $22.3 million, $23.9 million, $20.2 million, and $21.2 million of loans secured by CRE and the remainder represents C&I loans for 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26, respectively. $226.9M Commercial real estate loan production $170.3M Commercial and industrial loan production $28.2M Equipment finance production $77.1M Residential mortgage production $41.0M SBA loan production 31% 34% 35% 46% 42% 37% 21% 35% 24% 31% 6% 14% 11% 7% 5% 18% 19% 8% 13% 14% 8% 12% 11% 10% 8% $570.8 $374.8 $377.9 $371.9 $543.6 6.91% 6.90% 6.54% 6.59% 6.61% 3Q25 4Q25 1Q26 2Q26 3Q26 CRE C&I Equipment Finance RRE SBA New Production and Weighted Average Interest Rate(1) ($ in millions) (3) (2)
Slide 7 — LOAN PORTFOLIO
CRE Investor (non-owner) 41% CRE Owner Occupied 13% CRE Multifamily 7% CRE Construction 1% RRE 15% C&I 18% Equipment Finance 5% (2) (2,5) (1, 2) (1, 2) (3) (1,6) $6.57 Billion Loan Portfolio (as of September 30, 2026) LOAN PORTFOLIO 7 Note: Numbers may not add due to rounding. (1) Includes syndicated loans of $574.7 million in total commitments ($476.0 million disbursed) across C&I ($473.1 million committed and $388.4 million disbursed) and CRE ($101.6 million committed and $87.6 million disbursed). (2) CRE is a combination of Investor (non-owner), Owner Occupied, Multifamily, and Construction. Investor (or non-owner occupied) property is where the investor (borrower) does not occupy the property. The primary source of repayment stems from the rental income associated with the respective properties. Owner Occupied property is where the borrower owns and occupies the property. The primary source of repayment is the cash flows from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units. (3) Residential real estate is a loan (mortgage) secured by a single-family residence, including one to four units (duplexes, triplexes, and fourplexes). RRE also includes $0.8 million of HELOCs and $4.9 million in consumer loans. (4) Weighted average LTV and weighted average DCR calculated when the loan was first underwritten or renewed subsequently. (5) $83.8 million, or 17.4%, of the CRE multifamily loans are subject to rent restrictions in New York City. (6) Includes $272.9 million of loans to nondepository financial institutions (NDFI), principally mortgage credit intermediaries. Outstanding ($ in millions) 3Q26 Average Yield Commercial Real Estate (CRE)(1,2) Portfolio $4,056 5.84% Residential Real Estate (RRE)(3) Portfolio $1,002 5.37% Commercial & Industrial (C&I)(1,6) Portfolio $1,172 7.02% Equipment Finance Portfolio $339 6.93% # of Loans Weighted Average Loan-to-Value Ratio(4) Weighted Average Debt Coverage Ratio(4) CRE(2) Investor (non-owner) 846 48.5% 2.06x CRE(2) Owner Occupied 726 50.3% 2.92x CRE(2,5) Multifamily 165 56.0% 1.72x
Slide 8 — DEPOSIT PORTFOLIO
$4,704 $4,714 $4,661 $4,784 $4,901 3.56% 3.36% 3.20% 3.17% 3.18% 3Q25 4Q25 1Q26 2Q26 3Q26 Rate on Interest-Bearing Deposits Average Interest-Bearing Deposits DEPOSIT PORTFOLIO Total deposits increased 1.4% to $7.06 billion from the prior quarter. Noninterest-bearing demand deposits represented 30.4% of total deposits at September 30, 2026. Estimated uninsured deposits were 46.3% of total deposits. Brokered deposits remained low at 1.2% of total deposits. Note: Numbers may not add due to rounding. Deposits 8 ($ in millions) ($ in millions) 31% 30% 30% 31% 30% 1% 1% 1% 1% 1% 31% 31% 31% 30% 31% 1% 1% 1% 1% 1% 19% 20% 20% 19% 19% 15% 15% 15% 15% 15% 2% 2% 2% 3% 3% $6,767 $6,678 $6,801 $6,955 $7,056 3Q25 4Q25 1Q26 2Q26 3Q26 State of California time deposits Time > $250K Time <= $250K Brokered time deposits Money Market & Savings Demand Interest-bearing Demand Noninterest-bearing
Slide 9 — NET INTEREST INCOME | NET INTEREST MARGIN
9 $61.1 $62.9 $63.2 $63.9 $67.6 3.22% 3.28% 3.38% 3.36% 3.44% 3Q25 4Q25 1Q26 2Q26 3Q26 Net Interest Income NIM (4) (4) NET INTEREST INCOME | NET INTEREST MARGIN ($ in millions) 3.36% 3.36% 3.38% 3.44% 3.44% 0.02% 0.08% 2Q26 Securities IB-deposits at banks and FHLB SF Sub debt 3Q26 Increase Decrease Net interest income for the third quarter was $67.6 million and net interest margin (taxable equivalent) was 3.44%. Net Interest Margin (1) Includes a $0.6 million interest recovery from a previously charged-off loan; represents approximately 3 bps of net interest margin (2) Includes a $0.2 million interest recovery from a previously charged-off loan and loans returned to accruing status; represents approximately 2 bps of net interest margin (3) Includes a $0.5 million special FHLB dividend; represents approximately 2 bps of net interest margin (4) Includes $0.4 million of loan interest reversals, $1.2 million of prepayment fees and accelerated deferred fee income from loan payoffs, and a $0.2 million special dividend from FHLB as well as additional $0.3 million interest expense associated with subordinated debentures from the overlapping of the newly issued 2036 Notes and the redemption of the 2031 Notes; these items represented approximately 4 bps of net interest margin (1) (1) (2) (2) (3) (3) -0.02%
Slide 10 — NET INTEREST INCOME SENSITIVITY
10 6.04% 5.95% 5.90% 5.93% 5.99% 5.95% 6.05% 5.89% 5.91% 5.93% 5.94% 6.20% 4.29% 4.22% 3.83% 3.67% 3.60% 3.58% 3.50% 3.27% 3.18% 3.17% 3.18% 3.19% 5.50% 4.50% 4.25% 3.75% 3.75% 4.00% Aug-24 Sep-24 Dec-24 Mar-25 Jun-25 Aug-25 Sep-25 Dec-25 Mar-26 Jun-26 Aug-26 Sep-26 NET INTEREST INCOME SENSITIVITY $104.0 $91.8 $16.0 $4.8 $941.0 $673.0 $437.0 $307.4 $1,045.0 $764.8 $453.0 $312.2 3.69% 3.70% 3.71% 3.65% 4Q26 1Q27 2Q27 3Q27 Wholesale Retail 4.25% 3.75% 3.75% 3.75% 4.00% 3.97% 3.93% 3.80% 3.67% 3.67% 3Q25 4Q25 1Q26 2Q26 3Q26 Fed Funds Rate(3) Rate on CDs(4) Numbers may not add due to rounding. (1) Yield for loans and rate on interest-bearing deposits represent the monthly average yield and rate, respectively. Fed funds rate is the upper-range target rate at the end of the month. Beta is measured monthly between August 2024, when the fed funds rate was 5.50%, and August 2025, when the fed funds rate was 4.50%, between August 2025, when the fed funds rate was 4.50%, and August 2026, when the fed funds rate was 3.75%, and between August 2026, when the fed funds rate was 3.75%, and September 2026, when the fed funds rate was 4.00%. (2) Average rates on CDs and interest-bearing deposits for the month of September 2026 were 3.69% and 3.19%, respectively. (3) Fed funds rate represents the upper-range target rate at the end of the quarter. (4) Represent the weighted average contractual rates. Fed Funds Rate Yield on Loans Rate on Interest- bearing deposits Loan & Deposit Beta(1) Fed Funds Rate & Rate on CDs Rate on CDs(2) Deposits – CD Maturities （$ in millions） Time Horizon: Change in the Fed Funds Rate: Deposit Beta: Aug 24 – Aug 25 -100 bps 71% Aug 25 – Aug 26 -75 bps 53% Aug 26 – Sep 26 +25 bps 8%
Slide 11 — NONINTEREST INCOME
11 $2.1 32% $1.9 29% $1.0 15% $0.3 4% $1.3 20% Service charges on deposit accounts Trade finance and other service charges and fees Servicing income Bank-owned life insurance All other operating income NONINTEREST INCOME $44.9 $44.1 $40.7 $37.1 $41.0 $32.6 $29.9 $32.5 $20.9 $34.0 6.95% 7.40% 7.88% 7.92% 8.10% 3Q25 4Q25 1Q26 2Q26 3Q26 SBA Production SBA Loan Sales SBA Trade Premium $6.8 $5.9 $5.9 $6.7 $6.6 $1.9 $1.8 $2.1 $1.3 $2.3 $1.2 $0.6 $0.5 $0.3 $0.2 -$0.1 $9.9 $8.3 $8.5 $8.3 $9.0 3Q25 4Q25 1Q26 2Q26 3Q26 Service charges, fees & other Gain on sale of SBA loans Gain on sale of mortgage loans Loss on sale of securities Numbers may not add due to rounding. (1) Includes $0.9 million, $0.3 million, and $0.5 million in BOLI death benefits for 3Q25, 1Q26, and 2Q26, respectively. (2) 3Q25 had two transactions while 4Q25, 1Q26, 2Q26, and 3Q26 each had one mortgage loan sale transaction. Noninterest income for the third quarter was $9.0 million, up 8.2% from the second quarter, primarily due to a $1.0 million increase in gain on sale of SBA loans. Noninterest Income（$ in millions） 3Q26 Service Charges, Fees & Other（$ in millions） SBA 7(a) Loan Production and Sales （$ in millions） (1) (2) (1) (1)
Slide 12 — NONINTEREST EXPENSE
NONINTEREST EXPENSE 12 (1) Includes a $0.8 million gain from the sale of OREO properties in 1Q26. (2) Includes $1.1 million of expense associated with subordinated debt early redemption in 3Q26. Noninterest expense was $39.8 million for the third quarter, up 2.1% from the second quarter, primarily due to the acceleration of amortization costs related to the early redemption of our subordinated debt. $22.2 $22.5 $22.0 $22.8 $23.3 $4.5 $4.3 $4.4 $4.4 $4.5 $3.9 $4.1 $4.4 $4.6 $4.7 $2.0 $2.3 $2.8 $2.0 $1.7 $4.8 $5.9 $4.8 $5.2 $5.6 $37.4 $39.1 $38.4 $39.0 $39.8 1.90% 1.98% 2.00% 1.99% 1.96% 3Q25 4Q25 1Q26 2Q26 3Q26 Salaries and employee benefits Occupancy and equipment Data Processing Professional Fees All other expenses Noninterest expense / average total assets (annualized) ($ in millions) (1) (2)
Slide 13 — ASSET QUALITY – DELINQUENT & CRITICIZED LOANS
13 $4.6 $5.2 $4.4 $4.1 $3.6 $7.0 $12.4 $8.9 $28.7 $9.4 $11.6 $17.6 $13.3 $32.8 $13.0 0.18% 0.27% 0.20% 0.50% 0.20% 3Q25 4Q25 1Q26 2Q26 3Q26 Equipment Finance Delinquent Loans All Other Delinquent Loans ASSET QUALITY – DELINQUENT & CRITICIZED LOANS Delinquent loans / Total loans $28.6 $25.9 $22.7 $45.7 $78.2 $16.8 $71.1 $93.7 $68.2 $56.2 $45.4 $97.0 $116.4 $113.9 $134.4 0.69% 1.48% 1.78% 1.74% 2.05% 3Q25 4Q25 1Q26 2Q26 3Q26 Classified Special Mention (3) Criticized loans / Total loans Note: Numbers may not add due to rounding. (1) Represents loans 30 to 89 days past due and still accruing. (2) Includes nonaccrual loans of $19.4 million, $18.1 million, $12.4 million, $9.9 million, and $8.9 million as of 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26, respectively. (3) Includes a CRE loan designated nonaccrual of $10.6 million and $10.2 million for 3Q25 and 4Q25, respectively. (4) Includes a C&I relationship in the retail industry of $11.8 million, $11.6 million, $11.4 million, and $11.2 million for 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (5) Includes a CRE loan of $55.0 million, $54.8 million, $54.5 million, and $54.2 million in the hospitality industry for 4Q25, 1Q26, 2Q26, and 3Q26, respectively. (6) Includes a CRE loan in the retail industry of $21.2 million for 1Q26 and 2Q26. (7) Includes two multifamily CRE loans totaling $51.4 million for 3Q26. (3) (3) The $19.8 million decrease in delinquent loans in the third quarter was primarily driven by the held-for- sale designation of a $21.2 million commercial real estate loan. Delinquent Loans(1)（$ in millions） Criticized Loans(2)（$ in millions） (3) (4,5) (4) (4,5,6) (6) (4, 5) (5) (6) (7)
Slide 14 — ASSET QUALITY – NONPERFORMING ASSETS & NONACCRUAL LOANS
14 Nonperforming assets were $10.0 million at the end of the third quarter. $19.4 $18.1 $12.4 $9.9 $8.9 $2.0 $2.0 $1.1 $21.4 $20.1 $12.4 $9.9 $10.0 0.27% 0.26% 0.16% 0.12% 0.12% 3Q25 4Q25 1Q26 2Q26 3Q26 Nonperforming loans OREO ASSET QUALITY – NONPERFORMING ASSETS & NONACCRUAL LOANS (1) Nonperforming assets exclude repossessed personal property of $0.4 million, $0.6 million, $0.3 million, $0.3 million, and $0.3 million for 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26, respectively. (2) Specific allowance for credit losses for 3Q25, 4Q25, 1Q26, 2Q26, and 3Q26 was $4.4 million, $3.4 million, $3.2 million, $2.6 million, and $1.9 million, respectively. (3) Residential real estate includes consumer loans. (4) Includes a CRE loan with a balance of $10.2 million at 4Q25. Note: Numbers may not add due to rounding. $6.8 $5.1 $4.7 $4.2 $3.5 $0.3 $1.1 $2.0 $3.2 $3.0 $1.7 $1.7 $2.5 $2.5 $2.4 $10.6 $10.2 $3.2 $19.4 $18.1 $12.4 $9.9 $8.9 3Q25 4Q25 1Q26 2Q26 3Q26 Equipment Finance Residential Real Estate All other CRE and C&I < $3M All other CRE and C&I >= $3M (3) (2) Nonperforming Assets(1)（$ in millions） Nonaccrual Loans（$ in millions） (4) Nonperforming assets / total assets
Slide 15 — ASSET QUALITY – GROSS & NET LOAN CHARGE-OFFS
15 $2.4 $2.0 $3.0 $1.6 $1.4 $0.2 $0.9 $0.2 $0.3 $3.6 $2.6 $2.9 $3.2 $1.9 $5.0 3Q25 4Q25 1Q26 2Q26 3Q26 Equipment Finance Charge-offs All Other Loan Charge-offs ASSET QUALITY – GROSS & NET LOAN CHARGE-OFFS $1.6 $1.4 $2.4 $1.0 $0.8 ($2.1) $0.2 $0.2 $0.3 $3.5 ($0.5) $1.6 $2.6 $1.3 $4.3 -0.03% 0.10% 0.16% 0.08% 0.27% 3Q25 4Q25 1Q26 2Q26 3Q26 Equipment Finance Net Charge-offs All Other Net Charge-offs Note: Numbers may not add due to rounding. Net charge-offs for the third quarter were $4.3 million, or 27 bps annualized, stemming from a $3.2 million partial charge-off on a CRE loan. Absent this charge-off, annualized net charge-offs to average loans would have been 7 bps. Gross Charge-offs（$ in millions） Net Charge-offs (Recoveries)（$ in millions） (2) (1) Includes a $2.0 million recovery on a loan previously charged-off. (2) Includes a $3.2 million commercial real estate loan charge-off in the retail industry. Net charge-offs / average loans (1) (1) (2) (2)
Slide 16 — ACL TREND
16 $69.8 $69.9 $70.5 $70.5 $70.8 1.07% 1.07% 1.08% 1.08% 1.08% 3Q25 4Q25 1Q26 2Q26 3Q26 Allowance for credit losses ACL to Loans $2.1 $1.9 $2.9 $1.2 $4.5 3Q25 4Q25 1Q26 2Q26 3Q26 Credit loss expense The allowance for credit losses was $70.8 million at September 30, 2026, or 1.08% of total loans, effectively unchanged from the prior quarter. Allowance for Credit Losses（$ in millions） Credit Loss Expense（$ in millions） ACL TREND
Slide 17 — ACL ANALYSIS BY LOAN TYPE
17 ACL ANALYSIS BY LOAN TYPE Note: Numbers may not add due to rounding. ($ in millions) Allowance Loans Allowance Loans Allowance Loans Allowance Loans Allowance Loans CRE 40.0 $ 4,055.7 $ 37.4 $ 4,022.3 $ 36.8 $ 3,998.1 $ 38.7 $ 4,030.1 $ 40.2 $ 4,015.3 $ C&I 8.1 1,171.6 8.7 1,171.3 8.8 1,152.6 7.8 1,074.9 7.3 1,052.5 Equipment Finance 11.1 339.6 12.7 362.8 11.6 392.6 10.4 408.5 11.0 416.9 RRE & Consumer 11.6 1,001.8 11.7 978.9 13.3 1,002.2 13.0 1,049.9 11.3 1,043.6 Total 70.8 $ 6,568.7 $ 70.5 $ 6,535.3 $ 70.5 $ 6,545.5 $ 69.9 $ 6,563.4 $ 69.8 $ 6,528.3 $ September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025
Slide 18 — SECURITIES PORTFOLIO
18 15 Year 61% 20 Year 19% 30 Year 20% SECURITIES PORTFOLIO $233 $333 $216 $182 $29 $30 $25 $18 $262 $363 $241 $200 2025 Actual 2026 2027 2028 Principal Interest UST 1% US Agy 0% US Agy MBS - Residential 58% US Agy MBS - Commercial 17% US Agy CMO 10% Municipal 14% UST 23% US Agy 4% US Agy MBS - Residential 40% US Agy MBS - Commercial 8% US Agy CMO 17% Municipal 8% $958 Million < 1 Year 16% 1 to 3 Year 25% 3 to 5 Years 38% > 5 Years 21% 3.5 Years $384 Million $88 Million Note: Numbers may not add due to rounding. (1) Based on the book value. (2) 98.0% constitutes CRA bonds. (3) 2026 year-to-date consisted of $216.9 million of principal paydown, $44.5 million received from the sale of U.S. Treasuries, and $22.6 million of interest payments received. (2) The $957.9 million securities portfolio (all AFS, no HTM) represented 12% of assets at September 30, 2026, and had a weighted average modified duration of 3.5 years with $88.2 million in an unrealized loss position. Principal Paydowns(3)（$ in millions） Available for Sale(1) Unrealized Loss US Agy Residential MBS Maturity Securities Duration (3)
Slide 19 — LIQUIDITY
19 LIQUIDITY (1) Rate at September 30, 2026, based on 3-month SOFR + 166 bps; subject to a rate cap of 5.66% effective on September 15, 2026 and maturing on September 15, 2028 (2) Issued in July 2026 and due in July 2036. The interest rate is fixed at 6.50% for 5 years. The rate resets quarterly commencing July 31, 2031 to the 3-month SOFR + 234 bps. 13.5% 13.5% 13.4% 15.1% 15.5% 15.6% 15.8% 15.4% 17.2% 17.6% 15.2% 15.2% 15.1% 17.0% 17.4% 1.3% 1.3% 1.3% 1.2% 1.2% 3Q25 4Q25 1Q26 2Q26 3Q26 Liquid Assets to Total Assets Liquid Assets to Deposits Liquid Assets to Total Liabilities Brokered Deposits to Deposits Liquidity Position（$ in millions） Cash & Securities at Company-only （$ in millions） Company-only Subordinated Debentures （$ in millions） Liquidity Ratios Balance % of Assets Cash & cash equivalents $ 349 4.3% Securities (unpledged) 866 10.8% Loans held for sale 31 0.4% Liquid Assets 1,245 15.5% FHLB available borrowing capacity 1,516 18.9% FRB discount window borrowing capacity 833 10.4% Federal funds lines (unsecured) available 140 1.7% Secondary Liquidity Sources 2,489 31.0% Bank Liquidity (Liquid Assets + Secondary Liquidity) $ 3,734 46.5% Balance Cash $ 4 Securities (AFS) 4 $ 8 Amortized Par Cost Rate 2036 Trust Preferred Securities $ 26 $ 23 5.56% 2036 Subordinated Debt 55 54 6.50% $ 82 $ 77 The Bank and the Company had ample liquidity resources at September 30, 2026. (1) (2)
Slide 20 — CAPITAL MANAGEMENT
20 37% 38% 38% 36% 36% 21% 9% 26% 22% 21% 42% 53% 36% 42% 43% $22.1 $21.2 $22.6 $23.5 $23.7 9.80% 9.99% 10.11% 10.03% 9.93% 3Q25 4Q25 1Q26 2Q26 3Q26 Dividends Share Repurchases Net Income - Retained $25.64 $26.27 $26.56 $27.04 $27.03 9.80% 9.99% 10.11% 10.03% 9.93% 10.41% 10.54% 10.70% 10.62% 10.71% 3Q25 4Q25 1Q26 2Q26 3Q26 TCE/TA TCE/TA (w/o AFS AOCI) (1) (1) (1) Non-GAAP financial measure, refer to the non-GAAP reconciliation slides. (2) Includes shares purchased to satisfy employees’ tax liabilities upon the vesting of stock-based compensation of $1.1 million, $0.4 million, and $0.1 million for 1Q26, 2Q26, and 3Q26, respectively. (3) “Net Income – Retained” is equal to net income minus dividend payout and share repurchases. CAPITAL MANAGEMENT TCE / TA(1) (3) Due to prudent capital management, while driving shareholder return through stable quarterly dividends and the share repurchase program, tangible book value per share (TBVPS)(1) was essentially unchanged at $27.03 at the end of the third quarter. TBVPS(1) & TCE/TA(1) Dividends, Share Repurchases & TCE/TA(1)（$ in millions） (2)
Slide 21 — REGULATORY CAPITAL
21 REGULATORY CAPITAL 8.00% 6.00% 4.50% 2.50% 2.50% 2.50% 14.47% 12.62% 12.30% 13.57% 11.72% 11.40% 10.50% 8.50% 7.00% Total Capital Tier 1 Capital CET1 Capital Minimum Requirement Capital Conservation Buffer Company Pro Forma 10.00% 8.00% 6.50% 14.33% 13.28% 13.28% 13.44% 12.39% 12.39% Total Capital Tier 1 Capital CET1 Capital Well Capitalized Bank Pro Forma (1) Pro forma illustrates capital ratios with unrealized AFS securities losses at September 30, 2026. Non-GAAP financial measure; refer to the non-GAAP reconciliation slides. (1) (1) Company Bank The Company exceeded regulatory minimums and the Bank remained well capitalized at September 30, 2026.
Slide 22 — USKC(1) LOANS & DEPOSITS
22 USKC(1) LOANS & DEPOSITS USKC portfolio represented $780.7 million, or 12% of the loan portfolio, and $1.35 billion, or 19% of the deposit portfolio, at September 30, 2026. USKC CRE portfolio had a weighted average debt coverage ratio(2) of 2.22x and weighted average loan-to-value(2) of 57.4%. USKC Loans – Top 10 Industries (as of 3Q26) 23% 22% 20% 7% 4% 3% 3% 2% 2% 2% 12% Auto Parts Manufacturing RE Investment Hotel Food Golf Course Education Polyester Manufacturing Wholesale - Metal Steel Offices of Other Holding Companies Other 21% 15% 12% 8% 7% 6% 5% 3% 3% 3% 17% Auto Parts Manufacturing Electronics/Home Appliances/IT Food and Hospitality RE Investment, Management Steel Other Investment Activities Research and Development Wholesale Distribution Management and Consulting Services Manufacturing Other USKC Deposits – Top 10 Industries (as of 3Q26) 76% 75% 74% 72% 79% 24% 25% 26% 28% 21% $910 $862 $818 $826 $781 3Q25 4Q25 1Q26 2Q26 3Q26 CRE C&I USKC Loans by Product（$ in millions） USKC Deposits by Product （$ in millions） 34% 31% 29% 30% 29% 57% 60% 55% 53% 56% $1,040 $1,024 $1,131 $1,202 $1,347 3Q25 4Q25 1Q26 2Q26 3Q26 Demand Noninterest-bearing Money Market & Savings (1) U.S. subsidiaries of Korean corporations (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Time deposits, not illustrated, represent the remainder to add to 100%. (3)
Slide 23 — LOAN PORTFOLIO MATURITIES
23 ($ in millions) <1 Year 1-3 Years >3 Years Total Real Estate Loans Retail $ 219.5 $ 342.5 $ 588.3 $ 1,150.3 Hospitality 264.1 272.2 347.4 883.7 Office 202.7 202.9 78.2 483.8 Other 322.5 447.6 756.5 1,526.6 Commercial Property $ 1,008.8 $ 1,265.2 $ 1,770.4 $ 4,044.4 Construction 11.2 - - 11.2 RRE/Consumer 4.7 0.1 997.1 1,001.9 Total Real Estate Loans $ 1,024.7 $ 1,265.3 $ 2,767.5 $ 5,057.5 C&I(1) 428.3 235.6 507.7 1,171.6 Equipment Finance 35.4 148.7 155.5 339.6 Loans Receivable $ 1,488.4 $ 1,649.6 $ 3,430.7 $ 6,568.7 LOAN PORTFOLIO MATURITIES Note: numbers may not add due to rounding. (1) $353.7 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year.
Slide 24 — LOAN PORTFOLIO DIVERSIFICATION
LOAN PORTFOLIO DIVERSIFICATION (1) $121.2 million, or 3.0%, and $28.3 million, or 0.7%, of the CRE portfolio are unguaranteed and guaranteed SBA loans, respectively. (2) $65.4 million, or 5.6%, and $47.6 million, or 4.1%, of the C&I portfolio are unguaranteed and guaranteed SBA loans, respectively. Retail 28% Hospitality 22% Office 12% Industrial 12% Multifamily 11% Gas Station 5% Mixed Use 3% Construction 1% Other 6% CRE Portfolio(1) $4,056M Manufacturing 26% Finance & Insurance 18% Retail Trade 6% Wholesale Trade 10% Healthcare 2% Real Estate Rental & Leasing 5% Other 33% C&I Portfolio(2) $1,172M • CRE(1) represents 62% of the total portfolio • C&I(2) represents 18% of the total portfolio. 24
Slide 25 — CRE PORTFOLIO
California $2,572 63% Texas $402 10% New York $311 8% Illinois $100 2% Other $671 17% CRE Composition by State $4,056 CRE PORTFOLIO GEOGRAPHICAL EXPOSURE 25 California $4 36% Other $7 64% Construction by State $11 California $526 59% Texas $47 5% New York $16 2% Illinois $14 1% Other $293 33% Owner Occupied by State $896 California $1,759 66% Texas $267 10% New York $211 8% Illinois $74 3% Other $356 13% Investor (Non-owner Occupied) by State $2,667 California $284 59% Texas $87 18% New York $84 17% Illinois $12 3% Other $15 3% Multifamily by State $482 ($ in millions)
Slide 26 — OFFICE LOAN PORTFOLIO
Rate Distribution Portfolio by State Fixed 71% Variable 29% OFFICE LOAN PORTFOLIO 26 (1) Segment represents exposure in CRE and excludes construction. 5.3% of the portfolio was owner occupied. (2) SBA CRE office loans were $9.5 million, or 2.0% of total office loans, at September 30, 2026. (3) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. The CRE office portfolio(1) was $483.8 million(2) at September 30, 2026, representing 7% of the total loan portfolio. $4.0M Average balance of the portfolio 2.1x Weighted average debt coverage ratio(3) of the segment 57.3% Weighted average loan to value(3) of the segment 42.5% of the portfolio is expected to reprice in 1 to 3 months 0.07% of the office portfolio was delinquent 1.02% of the office portfolio was criticized Remaining = 4% 83% 8% 5%
Slide 27 — HOSPITALITY SEGMENT
27 HOSPITALITY SEGMENT (1) SBA loans in the hospitality segment were $22.9 million, or 2.6%, of total hospitality loans at September 30, 2026; excludes one $4.0 million hotel construction loan. (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Metropolitan is categorized as a location that is in a major city and in proximity to downtown areas; destination is categorized as a hotel whose location/amenities make it a distinct tourist location; suburban is defined as areas outside of major city hubs and can include more rural areas. (4) Includes a special mention CRE loan of $54.2 million at September 30, 2026. (2) (3) The hospitality segment represented $883.6 million,(1) or 13% of the total loan portfolio and 22% of the total CRE portfolio, at September 30, 2026. $4.7M Average balance of the segment (excluding construction) 2.03x Weighted average debt coverage ratio(2) of the segment 51.9% Weighted average loan to value(2) of the segment $56.4M or 6.4%, of the hospitality segment was criticized as of September 30, 2026 (4) Metropolitan (3) 61% Destination / Suburban (3) 28% Resort 6% Airport 3% Convention Center 2% Hospitality by Type
Slide 28 — RETAIL SEGMENT
28 RETAIL SEGMENT (2) (3) The retail segment represented $1.15 billion,(1) or 18% of the total loan portfolio, and 28% of the total CRE portfolio, at September 30, 2026. $1.5M Average balance of the segment 2.03x Weighted average debt coverage ratio(2) of the segment 44.98% Weighted average loan to value(2) of the segment $3.2M or 0.27%, of the retail segment was criticized at September 30, 2026 $0.9M or 0.08%, of the retail segment was on nonaccrual status at September 30, 2026 California 67% Texas 12% Georgia 3% Illinois 2% Other 16% Percentage of Portfolio (1) SBA loans in the retail segment are $88.6 million, or 7.70% of total retail loans, at September 30, 2026. (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently.
Slide 29 — RESIDENTIAL REAL ESTATE PORTFOLIO
29 Payment Performance RESIDENTIAL REAL ESTATE PORTFOLIO (3) The RRE(1) portfolio was $1.0 billion at September 30, 2026, representing 15% of the total loan portfolio. Our conservative underwriting policy focuses on high-quality mortgage originations with maximum Loan-to-Value (LTV) ratios between 60% and 70%, maximum Debt-to-Income (DTI) ratios of 43%, and minimum FICO scores of 680. 26.7% Fixed Non-QM 92% (3) Jumbo Non-QM 6% (4) QM 2% (2) (1) RRE includes $0.8 million of Home Equity Line of Credit (HELOC) and $4.9 million in consumer loans. (2) Qualified mortgage (QM) loans conform to the Ability-to-Repay (ATR) rules/requirements of CFPB. (3) Non-QM loans do not conform to the CFPB Dodd-Frank Act. (4) Jumbo Non-QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules. Interest Rate Type 73.3% Variable 0.84% Total delinquencies 0.39% 30-59 days delinquency category 92.1% Reset after 12 months 7.9% Reset within the next 12 months 0.15% 60-89 days delinquency category $3.0M / 0.3% on nonaccrual status at September 30, 2026 Percentage of Portfolio
Slide 30 — EQUIPMENT FINANCE PORTFOLIO
4% 5% 4% Remaining = 47% 11% 10% 4% 7% 4% 4% EQUIPMENT FINANCE PORTFOLIO 30 Transportation 18% Construction 14% Manufacturing 12% Waste Management 12% Health Care 6% Retail Trade 6% Professional Services 5% Hospitality 4% Wholesale Trade 4% Other Services 4% Other 15% Portfolio by Industry (1) Other includes agriculture and real estate of 3% and 3%, respectively. The equipment finance portfolio represented $339.6 million, or 5% of the loan portfolio, at September 30, 2026. 28% 8% 6% 5% 5% 5% 5% 4% 4% 30% Portfolio by Equipment Portfolio by State (1)
Slide 31 — 3Q26 FINANCIAL SUMMARY
31 3Q26 FINANCIAL SUMMARY Note: Numbers may not add due to rounding. (1) Percentage change calculated from dollars in thousands; change in basis points for selected balance sheet items and performance metrics. (2) Non-GAAP financial measure, refer to the non-GAAP reconciliation slides. ($ in millions, except EPS) September 30, 2026 June 30, 2026 September 30, 2025 Q/Q Y/Y Income Statement Summary Net interest income before credit loss 67.6 $ 63.9 $ 61.1 $ 5.8% 10.6% Noninterest income 9.0 8.3 9.9 8.2% -8.6% Operating revenue 76.6 72.2 71.0 6.1% 7.9% Noninterest expense 39.8 39.0 37.4 2.1% 6.7% Preprovision net revenue(2) 36.8 33.2 33.6 10.8% 9.4% Credit loss (recovery) expense 4.5 1.2 2.1 282.0% 111.2% Pretax income 32.2 32.0 31.5 0.8% 2.4% Income tax expense 8.5 8.5 9.4 0.7% -9.1% Net income 23.7 $ 23.5 $ 22.1 $ 0.8% 7.4% EPS-Diluted 0.80 $ 0.79 $ 0.73 $ Selected Balance Sheet Items Loans receivable 6,569 $ 6,535 $ 6,528 $ 0.5% 0.6% Deposits 7,056 6,955 6,767 1.4% 4.3% Total assets 8,044 8,001 7,857 0.5% 2.4% Stockholders' equity 808 $ 813 $ 780 $ -0.5% 3.7% TCE/TA (2) 9.93% 10.03% 9.80% (10) 13 Performance Metrics Return on average assets 1.17% 1.20% 1.12% (3) 5 Return on average equity 10.90% 11.09% 10.69% (19) 21 Net interest margin 3.44% 3.36% 3.22% 8 22 Efficiency ratio 52.02% 54.07% 52.65% (205) (63) Change (1)
Slide 32 — TANGIBLE COMMON EQUITY TO TANGIBLE ASSET RATIO
32 NO N - G A A P R E C O N C I L I A T I O N: TANGIBLE COMMON EQUITY TO TANGIBLE ASSET RATIO (1) There were no preferred shares outstanding at the periods indicated. (In thousands, except share, per share data and ratios) September 30, June 30, March 31, December 31, September 30, Hanmi Financial Corporation 2026 2026 2026 2025 2025 Assets 8,043,788 $ 8,001,473 $ 7,839,227 $ 7,869,185 $ 7,856,731 $ Less goodwill and other intangible assets (11,031) (11,031) (11,031) (11,031) (11,031) Tangible assets 8,032,757 $ 7,990,442 $ 7,828,196 $ 7,858,154 $ 7,845,700 $ Stockholders' equity (1) 808,309 $ 812,680 $ 802,819 $ 796,386 $ 779,550 $ Less goodwill and other intangible assets (11,031) (11,031) (11,031) (11,031) (11,031) Tangible stockholders' equity (1) 797,278 $ 801,649 $ 791,788 $ 785,355 $ 768,519 $ Add AFS securities AOCI 63,028 46,552 45,570 43,277 48,004 Tangible stockholders' equity without AFS securities AOCI (1) 860,306 $ 848,201 $ 837,358 $ 828,632 $ 816,523 $ Stockholders' equity to assets 10.05% 10.16% 10.24% 10.12% 9.92% Tangible common equity to tangible assets (TCE/TA) (1) 9.93% 10.03% 10.11% 9.99% 9.80% TCE/TA (w/o AFS securities AOCI) (1) 10.71% 10.62% 10.70% 10.54% 10.41% Common shares outstanding 29,496,736 29,650,306 29,806,694 29,894,757 29,975,371 Tangible common equity per common share $27.03 $27.04 $26.56 $26.27 $25.64
Slide 33 — PRO FORMA REGULATORY CAPITAL
33 N O N - G A A P R E C O N C I L I A T I O N: PRO FORMA REGULATORY CAPITAL Note: numbers may not add due to rounding (1) Pro forma capital ratios at September 30, 2026. ($ in thousands) Common Equity Tier 1 Tier 1 Total Risk-based Common Equity Tier 1 Tier 1 Total Risk-based Regulatory capital 847,732 $ 869,774 $ 997,427 $ 915,740 $ 915,740 $ 988,393 $ Unrealized loss on AFS securities (63,028) (63,028) (63,028) (63,008) (63,008) (63,008) Adjusted regulatory capital 784,704 $ 806,746 $ 934,399 $ 852,732 $ 852,732 $ 925,385 $ Risk weighted assets 6,894,604 $ 6,894,604 $ 6,894,604 $ 6,894,978 $ 6,894,978 $ 6,894,978 $ Risk weighted assets impact of unrealized losses on AFS securities (11,220) (11,220) (11,220) (11,263) (11,263) (11,263) Adjusted Risk weighted assets 6,883,384 $ 6,883,384 $ 6,883,384 $ 6,883,715 $ 6,883,715 $ 6,883,715 $ Regulatory capital ratio as reported 12.30% 12.62% 14.47% 13.28% 13.28% 14.33% Impact of unrealized losses on AFS securities -0.90% -0.90% -0.90% -0.89% -0.89% -0.89% Pro forma regulatory capital ratio 11.40% 11.72% 13.57% 12.39% 12.39% 13.44% Company(1) Bank(1)
Slide 34 — PREPROVISION NET REVENUE
34 NO N - G A A P R E C O N C I L I A T I O N: PREPROVISION NET REVENUE (In thousands) September 30, June 30, March 31, December 31, September 30, Q3-26 Q3-26 Hanmi Financial Corporation 2026 2026 2026 2025 2025 vs. Q2-26 vs. Q3-25 Net income 23,683 $ 23,505 $ 22,557 $ 21,239 $ 22,061 $ Add back: Credit loss expense 4,530 1,186 2,892 1,943 2,145 Income tax expense 8,538 8,475 7,925 8,887 9,396 Preprovision net revenue 36,751 $ 33,166 $ 33,374 $ 32,069 $ 33,602 $ 10.8% 9.4% Percentage Change