HANMI FINANCIAL CORP

Hanmi Financial Corporation (NASDAQ: HAFC) operates as a bank holding company for Hanmi Bank, a California-chartered state bank serving Korean-American and multi-ethnic communities across nine states. The company maintains its principal office at www.hanmi.com and operates through a network of full-service branches located in California, Colorado, Georgia, Illinois, New Jersey, New York, Texas, Virginia, and Washington.

Founded over forty years ago to serve underbanked minority immigrant communities in Los Angeles, Hanmi Bank generates revenues primarily from interest and fees on loans, which comprised 84.5 percent of total revenues, supplemented by interest and dividends on securities at 6.0 percent, service charges and fees at 5.4 percent, and gains on sales of SBA and residential mortgage loans at 2.2 percent combined. The bank's loan portfolio totals approximately $6.6 billion, with real estate loans representing 77.4 percent of the portfolio, including commercial property at 61.2 percent, residential property at 16.0 percent, and construction at 0.2 percent. Commercial and industrial loans comprise 16.4 percent of the portfolio, while equipment financing agreements represent 6.2 percent.

The bank specializes in commercial real estate lending, with particular expertise in investor-owned properties, owner-occupied properties, and multifamily housing. It also originates SBA loans, residential mortgages, and commercial and industrial loans to small and medium-sized businesses. As of December 31, 2025, Hanmi Financial employed 610 individuals across its footprint, with 67 percent of staff having tenure of at least three years and 44 percent having five or more years of service. The workforce reflects the company's commitment to diversity, with over 93 percent ethnically diverse representation and 67 percent female employees.

The company maintains robust capital ratios exceeding regulatory requirements, with total risk-based capital ratios of 15.06 percent at the holding company level and 14.25 percent at the bank level. Hanmi Financial operates as a non-accelerated filer and smaller reporting company, subject to comprehensive regulation by the Federal Reserve, the California Department of Financial Protection and Innovation, and the FDIC.