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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Hanmi Bank

Los Angeles, California · $7.95B in assets · beside the 11 other California banks between $3B and $10B

The filing

94.1%
Loans / deposits
11th of 12
7.1x
Coverage of noncurrent
3rd of 9
51.1%
Efficiency
8th of 11

Hanmi Bank is the fourth largest of the 12 California banks nearest its size between $3B and $10B, with $7.95B in assets at 30 June 2026. Loans are 94.1% of deposits, 11th of 12 against a median of 86.5%, and equity is 11.2% of assets, 5th of 11. Loans grew +3.1% in the year, 7th of 11, and deposits grew 3.4%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 0.15% of the book, 5th of 11 against a median of 0.30%; 0.50% is 30 to 89 days past due, and the allowance covers them 7.1 times. Net charge-offs are 0.12% of loans, 6th of 10. Commercial real estate is 47.4% of loans, 6th of 11 against a median of 47.4%, and 315% of capital, above the 300% screen, with construction at 1% against the 100% screen.

Return on assets is 1.28%, 7th of 11 against a median of 1.32%, on an efficiency ratio of 51.1%, 8th of 11. Five years ago it was 1.38%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.5% of loans).

Loans as a share of depositsCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 86.5% FA First American Trust FSB 0.0% WB Westamerica Bank 14.0% SM SMBC Manubank 48.2% FM Farmers & Merchants Bank Central California 72.7% MT Mizrahi Tefahot Bank LTD 79.0% RC River City Bank 85.7% TC Tri Counties Bank 87.3% CB CTBC Bank Corp. USA 88.0% FB Fremont Bank 90.6% PB Poppy Bank 92.8% HB Hanmi Bank 94.1% PB Preferred Bank 97.0%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.1% MT Mizrahi Tefahot Bank LTD +56.9% PB Poppy Bank +10.8% PB Preferred Bank +9.3% RC River City Bank +7.3% TC Tri Counties Bank +5.1% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Hanmi Bank is the 21st largest 7(a) lender into California of 512, with $729M across 1,060 loans, 1.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 236 of its 388 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, 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
Los Angeles, CA$355M14th of 3081.7%-0.8 pts
Orange, CA$116M16th of 2561.6%-0.6 pts
Arapahoe, CO$100M3rd of 1666.2%-5.8 pts
Dallas, TX$74M15th of 3141.3%+0.2 pts
Denver, CO$72M8th of 1933.7%-3.4 pts
Adams, CO$71M2nd of 1346.5%-5.1 pts
King, WA$63M19th of 1931.3%+0.2 pts
Jefferson, CO$52M7th of 1833.4%+2.3 pts
Harris, TX$51M39th of 3140.6%-0.0 pts
Prince Georges, MD$50M3rd of 1386.9%-2.6 pts
Gwinnett, GA$48M15th of 1692.1%+1.4 pts
Pierce, WA$46M10th of 1372.9%+1.2 pts
Riverside, CA$46M21st of 2191.3%-0.6 pts
375 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
Retail trade1,500$1.16B43.4%1.91%9th of 2,589
Accommodation & food services1,172$924M34.4%1.21%14th of 2,596
Other services380$267M9.9%0.76%28th of 2,248
Wholesale trade132$86M3.2%0.33%58th of 1,651
Health care & social assistance83$63M2.4%0.13%112th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Hanmi Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans HB Hanmi Bank 1.1% $729M · 1,060 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Hanmi BankRankCohort median
Total CRE against capital, the 300% screen315%8th of 11217%
Construction against capital, the 100% screen1%4th of 1116%
Construction and land development, share of loans0.2%3rd of 112.2%
Non-owner-occupied nonfarm nonresidential, share of loans40.2%8th of 1032.2%
Total CRE, the guidance definition, share of loans47.4%6th of 1147.4%
CRE growth over 36 months, the third prong+4.0%5th of 11+5.3%

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
Tri Counties Bank$9.93B1.4%54.8%0.94%0.03%1.8%87.3%13.9%
First American Trust FSB$9.23B1.4%32.8%no recordno recordno record0.0%5.6%
Poppy Bank$8.32B1.3%43.2%1.89%0.38%1.4%92.8%8.9%
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hanmi BankCohort median
20212026Change20212026Change
Loans$4.86B$6.55B+35%$2.89B$4.51B+56%
Deposits$5.64B$6.96B+24%$4.61B$5.47B+19%
NPA / loans1.07%0.15%-0.92 pts0.37%0.30%-0.07 pts
Efficiency49.6%51.1%+1.5 pts49.6%43.2%-6.4 pts
ROA1.38%1.28%-0.10 pts1.38%1.32%-0.06 pts

This read was prepared for Hanmi Bank'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 Hanmi Bank 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 CA banks $3B to $10B
Institution www.hanmi.com

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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