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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Hana Bank USA National Association

Fort Lee, New Jersey · $835M in assets · beside the 11 other New Jersey banks between $300M and $1B

The filing

26.9%
Equity / assets
1st of 12
0.00%
NPA / loans
1st of 12
2.79%
ROA
1st of 12

Hana Bank USA National Association is the sixth largest of the 12 New Jersey banks nearest its size between $300M and $1B, with $835M in assets at 30 June 2026. Loans are 87.5% of deposits, 7th of 12 against a median of 87.5%, and equity is 26.9% of assets, the highest in the cohort. Loans grew +9.6% in the year, 2nd of 12, and deposits grew 13.3%; the cohort's median loan growth is +1.5%.

Nothing on the book is noncurrent; 0.09% is 30 to 89 days past due, and the allowance is 0.8% of loans, 6th of 12. Commercial real estate is 62.0% of loans, 11th of 12 against a median of 35.8%, and 145% of capital, below the 300% screen, with construction at 1% against the 100% screen. CRE has grown +127.9% over 36 months, past the guidance's 50% prong.

Return on assets is 2.79%, the highest in the cohort against a median of 0.60%, on an efficiency ratio of 55.5%, 4th of 12. Five years ago it was -0.31%. The question is what the capital is for: the balance sheet carries less risk than it could.

Nonperforming loans, share of loansNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.23% HB Hana Bank USA National Association 0.00% FH First Hope Bank A National Bank Association 0.00% CS Century Savings Bank 0.00% CS Crest Savings Bank 0.01% NN Newfield National Bank 0.02% CF Cenlar FSB 0.21% HS Haddon Savings Bank 0.24% FB Freedom Bank 0.28% HS Haven Savings Bank 0.40% NM New Millennium Bank 0.58% BS Bogota Savings Bank 4.30% CB Crown Bank 5.77%
Loans, year over yearNJ banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.5% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% FH First Hope Bank A National Bank Association +6.0% CS Century Savings Bank +4.1% NN Newfield National Bank +2.5% CB Crown Bank +0.5% CS Crest Savings Bank -1.3% NM New Millennium Bank -5.2% HS Haven Savings Bank -6.0% BS Bogota Savings Bank -8.0% CF Cenlar FSB -12.2%

SBA 7(a), FY2008 to FY2026

Hana Bank USA National Association is the 23rd largest 7(a) lender into New Jersey of 308, with $184M across 380 loans, 1.4% of everything approved in the state (TD Bank, National Association leads with $1.08B). 64 of its 68 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Queens, NY$47M9th of 1552.5%quiet FY2021
Bergen, NJ$31M14th of 1611.8%-1.9 pts
New York, NY$25M27th of 2080.9%thin
Philadelphia, PA$22M16th of 1471.8%quiet FY2013
Kings, NY$22M33rd of 1690.9%quiet FY2022
Nassau, NY$21M22nd of 1711.2%quiet FY2021
Middlesex, NJ$19M24th of 1501.5%quiet FY2013
Suffolk, NY$16M30th of 1740.9%quiet FY2013
Essex, NJ$16M15th of 1381.8%quiet FY2013
Monmouth, NJ$15M21st of 1601.4%quiet FY2013
Montgomery, PA$14M29th of 1601.0%quiet FY2012
Union, NJ$12M25th of 1401.4%quiet FY2020
Ocean, NJ$12M18th of 1191.5%quiet FY2012
55 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services263$158M34.0%0.21%106th of 2,596
Retail trade232$114M24.5%0.19%100th of 2,589
Other services170$69M14.9%0.20%88th of 2,248
Health care & social assistance64$36M7.8%0.08%166th of 2,172
Wholesale trade34$20M4.4%0.08%188th of 1,651
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and Hana Bank
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans HB Hana Bank USA National Association 1.4% $184M · 380 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Hana BankRankCohort median
Total CRE against capital, the 300% screen145%4th of 12171%
Construction against capital, the 100% screen1%2nd of 1222%
Construction and land development, share of loans0.5%2nd of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans34.0%11th of 1222.6%
Total CRE, the guidance definition, share of loans62.0%11th of 1235.8%
CRE growth over 36 months, the third prong+127.9%10th of 11+23.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Haven Savings Bank$987M-0.4%116.0%0.40%0.04%0.8%90.8%8.8%
New Millennium Bank$899M1.3%49.5%0.58%-0.06%1.4%102.8%14.6%
Newfield National Bank$889M0.7%73.5%0.02%0.00%1.3%59.1%7.7%
Bogota Savings Bank$872M0.3%82.2%4.30%0.00%0.4%110.8%15.2%
Freedom Bank$838M0.9%63.1%0.28%0.00%0.6%103.6%9.9%
Hana Bank USA National Association$835M2.8%55.5%0.00%-0.04%0.8%87.5%26.9%
Cenlar FSB$782M-1.3%104.2%0.21%0.00%0.0%45.7%17.8%
First Hope Bank A National Bank Association$657M0.8%78.3%0.00%0.02%1.3%75.5%9.4%
Century Savings Bank$635M0.5%53.3%0.00%-0.01%1.5%68.8%10.1%
Crown Bank$614M2.3%44.9%5.77%0.00%0.9%122.4%26.7%
Crest Savings Bank$594M0.4%81.0%0.01%0.00%0.7%87.5%8.6%
Haddon Savings Bank$421M-0.1%106.8%0.24%-0.02%0.5%75.9%5.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hana BankCohort median
20212026Change20212026Change
Loans$177M$515M+191%$410M$489M+19%
Deposits$248M$588M+137%$517M$582M+12%
NPA / loans0.16%0.00%-0.16 pts0.34%0.23%-0.11 pts
Efficiency110.7%55.5%-55.2 pts75.8%75.9%+0.1 pts
ROA-0.31%2.79%+3.11 pts0.55%0.60%+0.05 pts

This read was prepared for Hana Bank USA National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Hana Bank USA National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $300M to $1B
Institution www.hanabank.us

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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