Kelly Motta

Adam Butler

Ahmad Hasan

Gary Tenner

Matthew Erdner

Adam Kroll

Matthew Clark

- **Hanmi Financial Corporation (HAFC) reported Q3 2025 net income of $22.1 million, or $0.73 per diluted share**, a significant increase from $15.1 million and $0.50 respectively in Q2.  **[0001109242_2194260_1]** 
- The company achieved **3.5% linked-quarter loan growth**, with total loans reaching **$6.53 billion**, driven by a **73% increase in loan production to $571 million**, notably **$211 million in new C&I loans**.  **[0001109242_2194260_1]**  Deposits also grew by **0.6%**.  **[0001109242_2194260_1]** 
- **Net interest margin expanded by 15 basis points to 3.22%**, and the **efficiency ratio declined to a two-year low of 52.65%**, reflecting improved operating leverage.  **[0001109242_2194260_1]** 
- Asset quality improved with **net loan recoveries of $500,000** in Q3, compared to net loan charge-offs of $11.4 million in Q2, and credit loss expense decreased to **$2.1 million**.  **[0001109242_2194260_5]** **[0001109242_2194260_4]** 
- HAFC maintained strong capital ratios, with a preliminary common equity Tier 1 ratio of **12%**, and repurchased **199,698 common shares** at a weighted average price of **$23.45** during the quarter.  **[0001109242_2194260_5]**

Hanmi Financial Corporation Reports Strong Q3 2025 Results with Increased Net Income and Loan Growth

- Hanmi Financial Corporation reported **net income of $22.1 million**, or **$0.73 per diluted share**, for the third quarter of 2025, a significant increase from $15.1 million, or $0.50 per diluted share, in the second quarter of 2025.  **[1109242_0001171843-25-006566_exh_991.htm:0]** **[1109242_0001171843-25-006566_exh_992.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:2]** **[1109242_0001171843-25-006566_exh_991.htm:18]** 
- The company's profitability metrics improved, with a **return on average assets of 1.12%** and a **return on average equity of 10.69%**, while the net interest margin expanded by **15 basis points to 3.22%**.  **[1109242_0001171843-25-006566_exh_991.htm:0]** **[1109242_0001171843-25-006566_exh_992.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:2]** **[1109242_0001171843-25-006566_exh_992.htm:10]** 
- **Loans receivable increased to $6.53 billion** at September 30, 2025, up 3.5% from the prior quarter, supported by **$570.8 million in loan production**.  **[1109242_0001171843-25-006566_exh_992.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:2]** **[1109242_0001171843-25-006566_exh_992.htm:10]**  Deposits also grew to **$6.77 billion**.  **[1109242_0001171843-25-006566_exh_992.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:2]** **[1109242_0001171843-25-006566_exh_992.htm:10]** 
- Asset quality showed improvement, with **nonperforming assets decreasing 17.7% to $21.4 million** and criticized loans declining 2.6% to $45.4 million at September 30, 2025.  **[1109242_0001171843-25-006566_exh_992.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:1]** **[1109242_0001171843-25-006566_exh_992.htm:5]** 
- Hanmi maintained a strong capital position, evidenced by a **tangible common equity to tangible assets ratio of 9.80%**, and repurchased **199,698 common shares** during the quarter.  **[1109242_0001171843-25-006566_exh_992.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:1]** **[1109242_0001171843-25-006566_exh_991.htm:2]** **[1109242_0001171843-25-006566_exh_992.htm:10]**

Hanmi Financial Corporation Reports Strong Third Quarter 2025 Results

- Hanmi Financial Corporation reported **net income of $22.1 million**, or **$0.73 per diluted share**, for the third quarter of 2025, representing a **45.9% increase** from the second quarter of 2025.  **[1109242_3b16481865ed44c1b8449111f28cab17_0]** **[1109242_3b16481865ed44c1b8449111f28cab17_1]** **[1109242_3b16481865ed44c1b8449111f28cab17_22]** 
- The company's profitability ratios improved, with **return on average assets at 1.12%** and **return on average equity at 10.69%** for Q3 2025.  **[1109242_3b16481865ed44c1b8449111f28cab17_0]** **[1109242_3b16481865ed44c1b8449111f28cab17_2]** 
- **Net interest margin expanded by 15 basis points to 3.22%**, and **preprovision net revenue increased 16.4%** quarter-over-quarter.  **[1109242_3b16481865ed44c1b8449111f28cab17_0]** **[1109242_3b16481865ed44c1b8449111f28cab17_1]** 
- **Loans receivable grew 3.5% to $6.53 billion** and **deposits increased 0.6% to $6.77 billion** at September 30, 2025, with **loan production reaching $571 million**.  **[1109242_3b16481865ed44c1b8449111f28cab17_1]** **[1109242_3b16481865ed44c1b8449111f28cab17_2]** 
- Credit quality improved, as **nonperforming assets decreased 17.7% to $21.4 million** (0.27% of loans) and **criticized loans declined 2.6% to $45.4 million** (0.69% of total loans) at September 30, 2025.  **[1109242_3b16481865ed44c1b8449111f28cab17_1]**  The company also repurchased **199,698 common shares** during the quarter.  **[1109242_3b16481865ed44c1b8449111f28cab17_1]**

HANMI FINANCIAL (HAFC)