Form 8-K - Current report

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 22, 2024

HANMI FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	000-30421	95-4788120
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

900 Wilshire Boulevard, Suite 1250

Los Angeles, CA 90017

(Address of Principal Executive Offices) (Zip Code)

(213) 382-2200

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.001 par value	HAFC	Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company,indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 22, 2024, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended September 30, 2024. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K. In connection therewith, Hanmi Financial provided a supplemental presentation on its website at https://investors.hanmi.com. A copy of the supplemental presentation is attached hereto as Exhibit 99.2.

This information set forth under “Item 2.02. Results of Operations and Financial Condition,” including Exhibit 99.1 and 99.2 attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

99.1		Press release issued by Hanmi Financial dated October 22, 2024
99.2		Hanmi Financial Third Quarter 2024 Earnings Supplemental Presentation
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

Forward-Looking Statements

This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statements. These factors include the following:

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 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 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;
a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;
the failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract or retain key employees;
our ability to access cost-effective funding;
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;
the adequacy of and changes in the 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; and
cyber security and fraud risks against our information technology and those of our third-party providers and vendors.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2023, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	HANMI FINANCIAL CORPORATION


Date: October 22, 2024	By:	/s/ Bonita I. Lee
		Bonita I. Lee
		Chief Executive Officer

EXHIBIT 99.1

Hanmi Reports 2024 Third Quarter Results

LOS ANGELES, Oct. 22, 2024 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the third quarter of 2024.

Net income for the third quarter of 2024 was $14.9 million, or $0.49 per diluted share, compared with $14.5 million, or $0.48 per diluted share, for the second quarter of 2024. The return on average assets for the third quarter of 2024 was 0.79% and the return on average equity was 7.55%, compared with a return on average assets of 0.77% and the return on average equity of 7.50% for the second quarter of 2024.

CEO Commentary
“Our third quarter results were strong, with solid performance across all key operating metrics in the third quarter,” said Bonnie Lee, President and Chief Executive Officer of Hanmi. “Net interest margin increased five basis points to 2.74% driven by higher yields on interest-earning assets and lower funding costs. Loans grew by 2% driven by a 27% increase in loan production and total deposits were up led by 5% growth in noninterest-bearing demand deposits. These results reflect the continued success of our relationship banking model and our portfolio diversification strategy.”

“During the quarter, we remained focused on our disciplined credit administration practices and are pleased to report that we resolved several criticized and nonaccrual loans and recognized a recovery on a previously charged-off loan. We also proactively moved three loans to the special mention category to monitor them more closely. These loans are current, and we are confident they are well protected.”

“Hanmi is well-positioned for a strong close to 2024 with a robust balance sheet, ample liquidity, healthy capital ratios, and a solid loan pipeline. Our team remains committed to delivering the solutions our customers need and results our shareholders expect,” concluded Lee.

Third Quarter 2024 Highlights:

Third quarter net income was $14.9 million, or $0.49 per diluted share, compared with $14.5 million, or $0.48 per diluted share for the second quarter of 2024. The increase reflects a $2.0 million, or 9.4%, increase in pretax, preprovision income, propelled by a 2.9% increase in net interest income.
Loans receivable were $6.26 billion at September 30, 2024, up 1.3% from the end of the second quarter of 2024, driven by a 27% increase in loan production to $347.8 million with a weighted average interest rate of 7.92%.
Deposits were $6.40 billion at September 30, 2024, up 1.2% from the end of the second quarter of 2024; noninterest-bearing demand deposits were 32.0% of total deposits. During the quarter, noninterest bearing demand deposits grew 4.7%, while time deposits declined 3.2% from the prior quarter.
Net interest income for the third quarter was $50.1 million, up 2.9% from the second quarter of 2024, driven by strong operational performance. Net interest margin (taxable equivalent) expanded five basis points to 2.74%, as the average yield on loans increased to 6.00%, while the cost of interest-bearing deposits remained unchanged at 4.27%.

Noninterest expense was $35.1 million for the third quarter, down 0.6% from the second quarter of 2024, primarily reflecting the absence of the second quarter $0.3 million branch consolidation charge.

Credit loss expense for the third quarter was $2.3 million, compared with $1.0 million for the prior quarter. The allowance for credit losses increased $1.4 million to $69.2 million at September 30, 2024, or 1.11% of loans. For the third quarter, net loan charge-offs of $0.9 million included a $1.1 million charge-off on a nonaccrual loan transferred to held-for-sale and a $1.7 million recovery of a nonaccrual loan.
Asset quality included several notable actions: nonaccrual loans fell 18.8% to $15.2 million and included pay-offs of $6.8 million while criticized assets increased, with downgrades to special mention of three loans totaling $129.8 million, offset by the move to the held-for-sale nonaccrual loan category of the previously identified $28.3 million completed construction loan, upgrades of $6.1 million, and additional loan pay-offs of $1.3 million. Subsequent to the end of the third quarter, the Bank completed the sale of the nonaccrual loan.

For more information about Hanmi, please see the Q3 2024 Investor Update (and Supplemental Financial Information), which is available on the Bank’s website at www.hanmi.com and via a current report on Form 8-K on the website of the Securities and Exchange Commission at www.sec.gov. Also, please refer to “Non-GAAP Financial Measures” herein for further details of the presentation of certain non-GAAP financial measures.

Quarterly Highlights
(Dollars in thousands, except per share data)

	As of or for the Three Months Ended															Amount Change
	September 30,			June 30,			March 31,			December 31,			September 30,			Q3-24		Q3-24
	2024			2024			2024			2023			2023			vs. Q2-24		vs. Q3-23

Net income	$	14,892		$	14,451		$	15,164		$	18,633		$	18,796		$	441	$	(3,904	)
Net income per diluted common share	$	0.49		$	0.48		$	0.50		$	0.61		$	0.62		$	0.01	$	(0.13	)

Assets	$	7,712,299		$	7,586,347		$	7,512,046		$	7,570,341		$	7,350,140		$	125,952	$	362,159
Loans receivable	$	6,257,744		$	6,176,359		$	6,177,840		$	6,182,434		$	6,020,785		$	81,385	$	236,959
Deposits	$	6,403,221		$	6,329,340		$	6,376,060		$	6,280,574		$	6,260,072		$	73,881	$	143,149

Return on average assets		0.79	%		0.77	%		0.81	%		0.99	%		1.00	%		0.02		-0.21
Return on average stockholders' equity		7.55	%		7.50	%		7.90	%		9.70	%		9.88	%		0.06		-2.33

Net interest margin		2.74	%		2.69	%		2.78	%		2.92	%		3.03	%		0.05		-0.29
Efficiency ratio ⁽¹⁾		59.98	%		62.24	%		62.42	%		58.86	%		51.82	%		-2.26		8.16

Tangible common equity to tangible assets ⁽²⁾		9.42	%		9.19	%		9.23	%		9.14	%		8.89	%		0.23		0.53
Tangible common equity per common share ⁽²⁾	$	24.03		$	22.99		$	22.86		$	22.75		$	21.45			1.04		2.58

⁽¹⁾Noninterest expense divided by net interest income plus noninterest income.
⁽²⁾Refer to "Non-GAAP Financial Measures" for further details.

Results of Operations
Net interest income for the third quarter was $50.1 million, up 2.9% from $48.6 million for the second quarter of 2024. The increase was primarily due to an increase in loan interest income. The increase in loan interest income was a result of increases in loan yields and average balances. The yield on average loans for the third quarter increased slightly to 6.00% from 5.99% for the second quarter of 2024. Average loans were $6.11 billion for the third quarter of 2024, up 0.4% from $6.09 billion for the second quarter. The cost of interest-bearing deposits was 4.27% for the third quarter of 2024, unchanged from the prior quarter. Average interest-bearing deposits were $4.40 billion for the third quarter, up 0.3%, from $4.38 billion for the prior quarter. Net interest margin (taxable equivalent) for the third quarter was 2.74%, compared with 2.69% for the second quarter of 2024.

	For the Three Months Ended (in thousands)										Percentage Change
	Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sep 30,		Q3-24			Q3-24
Net Interest Income	2024		2024		2024		2023		2023		vs. Q2-24			vs. Q3-23

Interest and fees on loans receivable⁽¹⁾	$	92,182	$	90,752	$	91,674	$	89,922	$	85,398		1.6	%		7.9	%
Interest on securities		5,523		5,238		4,955		4,583		4,204		5.4	%		31.4	%
Dividends on FHLB stock		356		357		361		341		317		-0.3	%		12.3	%
Interest on deposits in other banks		2,356		2,313		2,604		2,337		4,153		1.9	%		-43.3	%
Total interest and dividend income	$	100,417	$	98,660	$	99,594	$	97,183	$	94,072		1.8	%		6.7	%

Interest on deposits		47,153		46,495		45,638		40,277		36,818		1.4	%		28.1	%
Interest on borrowings		1,561		1,896		1,655		2,112		753		-17.7	%		107.3	%
Interest on subordinated debentures		1,652		1,649		1,646		1,654		1,646		0.2	%		0.4	%
Total interest expense		50,366		50,040		48,939		44,043		39,217		0.7	%		28.4	%
Net interest income	$	50,051	$	48,620	$	50,655	$	53,140	$	54,855		2.9	%		-8.8	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended (in thousands)										Percentage Change
Average Earning Assets and	Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sep 30,		Q3-24			Q3-24
Interest-bearing Liabilities	2024		2024		2024		2023		2023		vs. Q2-24			vs. Q3-23
Loans receivable ⁽¹⁾	$	6,112,324	$	6,089,440	$	6,137,888	$	6,071,644	$	5,915,423		0.4	%		3.3	%
Securities		986,041		979,671		969,520		961,551		955,473		0.7	%		3.2	%
FHLB stock		16,385		16,385		16,385		16,385		16,385		0.0	%		0.0	%
Interest-bearing deposits in other banks		183,027		180,177		201,724		181,140		317,498		1.6	%		-42.4	%
Average interest-earning assets	$	7,297,777	$	7,265,673	$	7,325,517	$	7,230,720	$	7,204,779		0.4	%		1.3	%

Demand: interest-bearing	$	83,647	$	85,443	$	86,401	$	86,679	$	94,703		-2.1	%		-11.7	%
Money market and savings		1,885,799		1,845,870		1,815,085		1,669,973		1,601,826		2.2	%		17.7	%
Time deposits		2,427,737		2,453,154		2,507,830		2,417,803		2,438,112		-1.0	%		-0.4	%
Average interest-bearing deposits		4,397,183		4,384,467		4,409,316		4,174,455		4,134,641		0.3	%		6.3	%
Borrowings		143,479		169,525		162,418		205,951		120,381		-15.4	%		19.2	%
Subordinated debentures		130,403		130,239		130,088		129,933		129,780		0.1	%		0.5	%
Average interest-bearing liabilities	$	4,671,065	$	4,684,231	$	4,701,822	$	4,510,339	$	4,384,802		-0.3	%		6.5	%

Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	1,908,833	$	1,883,765	$	1,921,189	$	2,025,212	$	2,136,156		1.3	%		-10.6	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended															Yield/Rate Change
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,			Q3-24		Q3-24
Average Yields and Rates	2024			2024			2024			2023			2023			vs. Q2-24		vs. Q3-23
Loans receivable⁽¹⁾		6.00	%		5.99	%		6.00	%		5.88	%		5.73	%		0.01		0.27
Securities ⁽²⁾		2.27	%		2.17	%		2.07	%		1.93	%		1.79	%		0.10		0.48
FHLB stock		8.65	%		8.77	%		8.87	%		8.25	%		7.67	%		-0.12		0.98
Interest-bearing deposits in other banks		5.12	%		5.16	%		5.19	%		5.12	%		5.19	%		-0.04		-0.07
Interest-earning assets		5.48	%		5.46	%		5.47	%		5.34	%		5.19	%		0.02		0.29

Interest-bearing deposits		4.27	%		4.27	%		4.16	%		3.83	%		3.53	%		0.00		0.74
Borrowings		4.33	%		4.50	%		4.10	%		4.07	%		2.48	%		-0.17		1.85
Subordinated debentures		5.07	%		5.07	%		5.06	%		5.09	%		5.07	%		0.00		0.00
Interest-bearing liabilities		4.29	%		4.30	%		4.19	%		3.88	%		3.55	%		-0.01		0.74

Net interest margin (taxable equivalent basis)		2.74	%		2.69	%		2.78	%		2.92	%		3.03	%		0.05		-0.29

Cost of deposits		2.97	%		2.98	%		2.90	%		2.58	%		2.33	%		-0.01		0.64

⁽¹⁾Includes loans held for sale.
⁽²⁾Amounts calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Credit loss expense for the third quarter was $2.3 million, compared with $1.0 million for the second quarter of 2024. Third quarter credit loss expense included a $2.3 million credit loss expense for loan losses. Third quarter net loan charge-offs were $0.9 million, compared with second quarter net loan charge-offs of $1.8 million. Third quarter net loan charge-offs included a $1.1 million charge-off on a nonaccrual loan transferred to held-for-sale and a $1.7 million recovery on a nonaccrual loan.

Noninterest income for the third quarter increased $0.3 million to $8.4 million, or 4.7%, from $8.1 million for the second quarter of 2024. Third quarter noninterest income included a $0.9 million gain from the sale and leaseback of a branch property, while second quarter noninterest income included a $0.3 million death benefit on bank-owned life insurance. Gains on sales of SBA loans were $1.5 million for the third quarter of 2024, compared with $1.6 million for the second quarter of 2024. The volume of SBA loans sold in the third quarter decreased to $23.0 million, from $23.5 million for the second quarter of 2024, while trade premiums were 8.54% for the third quarter of 2024, unchanged from the second quarter. Mortgage loans sold in the third quarter were $20.9 million, with a premium of 2.32%, compared with $19.5 million and 2.00% for the second quarter, resulting in income of $0.3 million for the third quarter, compared with $0.4 million for the prior quarter.

	For the Three Months Ended (in thousands)											Percentage Change
	Sep 30,		Jun 30,		Mar 31,		Dec 31,			Sep 30,		Q3-24			Q3-24
Noninterest Income	2024		2024		2024		2023			2023		vs. Q2-24			vs. Q3-23
Service charges on deposit accounts	$	2,311	$	2,429	$	2,450	$	2,391		$	2,605		-4.9	%		-11.3	%
Trade finance and other service charges and fees		1,254		1,277		1,414		1,245			1,155		-1.8	%		8.6	%
Servicing income		817		796		712		772			838		2.6	%		-2.5	%
Bank-owned life insurance income (expense)		320		638		304		(29	)		280		-49.8	%		14.3	%
All other operating income		1,008		908		928		853			1,178		11.0	%		-14.4	%
Service charges, fees & other		5,710		6,048		5,808		5,232			6,056		-5.6	%		-5.7	%

Gain on sale of SBA loans		1,544		1,644		1,482		1,448			1,172		-6.1	%		31.7	%
Gain on sale of mortgage loans		324		365		443		-			-		-11.2	%		100.0	%
Gain on sale of bank premises		860		-		-		-			4,000		100.0	%		-78.5	%
Total noninterest income	$	8,438	$	8,057	$	7,733	$	6,680		$	11,228		4.7	%		-24.8	%

Noninterest expense for the third quarter decreased by $0.2 million to $35.1 million from $35.3 million for the second quarter of 2024. The decrease reflects primarily the absence of the $0.3 million branch consolidation expense recognized in the second quarter of 2024. The efficiency ratio for the third quarter was 60.0%, compared with 62.2% for the second quarter of 2024.

	For the Three Months Ended (in thousands)										Percentage Change
	Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sep 30,		Q3-24			Q3-24
	2024		2024		2024		2023		2023		vs. Q2-24			vs. Q3-23
Noninterest Expense
Salaries and employee benefits	$	20,851	$	20,434	$	21,585	$	20,062	$	20,361		2.0	%		2.4	%
Occupancy and equipment		4,499		4,348		4,537		4,604		4,825		3.5	%		-6.8	%
Data processing		3,839		3,686		3,551		3,487		3,490		4.2	%		10.0	%
Professional fees		1,492		1,749		1,893		1,977		1,568		-14.7	%		-4.8	%
Supplies and communication		538		570		601		613		552		-5.6	%		-2.5	%
Advertising and promotion		631		669		907		990		534		-5.7	%		18.2	%
All other operating expenses		2,875		3,251		3,160		3,252		2,852		-11.6	%		0.8	%
Subtotal		34,725		34,707		36,234		34,985		34,182		0.1	%		1.6	%

Branch consolidation expense		-		301		-		-		-		-100.0	%		0.0	%
Other real estate owned expense		77		6		22		15		16		1183.3	%		381.3	%
Repossessed personal property expense		278		262		189		211		47		6.1	%		491.5	%
Total noninterest expense	$	35,080	$	35,276	$	36,445	$	35,211	$	34,245		-0.6	%		2.4	%

Hanmi recorded a provision for income taxes of $6.2 million for the third quarter of 2024, compared with $6.0 million for the second quarter of 2024, representing an effective tax rate of 29.5% and 29.3%, respectively.

Financial Position
Total assets at September 30, 2024 increased 1.7%, or $126.0 million, to $7.71 billion from $7.59 billion at June 30, 2024. The sequential quarter increase was due to a $125.3 million increase in loans and loans held-for-sale, and a $31.3 million increase in securities, offset partially by a $25.3 million decrease in cash and due from banks.

Loans receivable, before allowance for credit losses, were $6.26 billion at September 30, 2024, up from $6.18 billion at June 30, 2024.

Loans held-for-sale were $54.3 million at September 30, 2024, up from $10.5 million at June 30, 2024. At the end of the third quarter, loans held-for-sale consisted of $8.8 million of the guaranteed portion of SBA 7(a) loans, $18.3 million of residential mortgage loans and the $27.2 million nonaccrual loan. Subsequent to the end of the third quarter, the Bank completed the sale of this nonaccrual loan.

	As of (in thousands)										Percentage Change
	Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sep 30,		Q3-24			Q3-24
	2024		2024		2024		2023		2023		vs. Q2-24			vs. Q3-23
Loan Portfolio
Commercial real estate loans	$	3,932,088	$	3,888,505	$	3,878,677	$	3,889,739	$	3,773,015		1.1	%		4.2	%
Residential/consumer loans		939,285		954,209		970,362		962,661		926,326		-1.6	%		1.4	%
Commercial and industrial loans		879,092		802,372		774,851		747,819		728,792		9.6	%		20.6	%
Equipment finance		507,279		531,273		553,950		582,215		592,652		-4.5	%		-14.4	%
Loans receivable		6,257,744		6,176,359		6,177,840		6,182,434		6,020,785		1.3	%		3.9	%
Loans held for sale		54,336		10,467		3,999		12,013		11,767		419.1	%		361.8	%
Total	$	6,312,080	$	6,186,826	$	6,181,839	$	6,194,447	$	6,032,552		2.0	%		4.6	%

	As of
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,
	2024			2024			2024			2023			2023
Composition of Loan Portfolio
Commercial real estate loans		62.3	%		62.9	%		62.7	%		62.8	%		62.5	%
Residential/consumer loans		14.9	%		15.4	%		15.7	%		15.5	%		15.4	%
Commercial and industrial loans		13.9	%		13.0	%		12.5	%		12.1	%		12.1	%
Equipment finance		8.0	%		8.5	%		9.0	%		9.4	%		9.8	%
Loans receivable		99.1	%		99.8	%		99.9	%		99.8	%		99.8	%
Loans held for sale		0.9	%		0.2	%		0.1	%		0.2	%		0.2	%
Total		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

New loan production was $347.8 million for the third quarter of 2024 at an average rate of 7.92%, while payoffs were $77.6 million during the quarter at an average rate of 6.63%.

Commercial real estate loan production for the third quarter of 2024 was $110.2 million. Commercial and industrial loan production was $105.1 million, SBA loan production was $51.6 million, equipment finance production was $40.1 million, and residential mortgage loan production was $40.8 million.

	For the Three Months Ended (in thousands)
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,
	2024			2024			2024			2023			2023
New Loan Production
Commercial real estate loans	$	110,246		$	87,632		$	60,085		$	178,157		$	106,151
Commercial and industrial loans		105,086			59,007			50,789			52,079			67,907
SBA loans		51,616			54,486			30,817			48,432			36,109
Equipment finance		40,066			42,594			39,155			57,334			71,075
Residential/consumer loans		40,758			30,194			53,115			53,465			55,026
Subtotal		347,772			273,913			233,961			389,467			336,268


Payoffs		(77,603	)		(148,400	)		(86,250	)		(77,961	)		(62,140	)
Amortization		(151,674	)		(83,640	)		(90,711	)		(106,610	)		(116,411	)
Loan sales		(43,868	)		(42,945	)		(55,321	)		(29,861	)		(22,496	)
Net line utilization		9,426			1,929			(4,150	)		(11,609	)		(70,238	)
Charge-offs & OREO		(2,668	)		(2,338	)		(2,123	)		(1,777	)		(9,369	)

Loans receivable-beginning balance		6,176,359			6,177,840			6,182,434			6,020,785			5,965,171
Loans receivable-ending balance	$	6,257,744		$	6,176,359		$	6,177,840		$	6,182,434		$	6,020,785

Deposits were $6.40 billion at the end of the third quarter of 2024, up $73.9 million, or 1.2%, from $6.33 billion at the end of the prior quarter. Driving the change was a $91.8 million increase in noninterest-bearing demand deposits and a $64.0 million increase in money market and savings deposits, partially offset by a $78.3 million decrease in time deposits. Noninterest-bearing demand deposits represented 32.0% of total deposits at September 30, 2024 and the loan-to-deposit ratio was 97.7%.

	As of (in thousands)										Percentage Change
	Sep 30,		Jun 30,		Mar 31,		Dec 31,		Sep 30,		Q3-24			Q3-24
	2024		2024		2024		2023		2023		vs. Q2-24			vs. Q3-23
Deposit Portfolio
Demand: noninterest-bearing	$	2,051,790	$	1,959,963	$	1,933,060	$	2,003,596	$	2,161,238		4.7	%		-5.1	%
Demand: interest-bearing		79,287		82,981		87,374		87,452		88,133		-4.5	%		-10.0	%
Money market and savings		1,898,834		1,834,797		1,859,865		1,734,658		1,576,006		3.5	%		20.5	%
Time deposits		2,373,310		2,451,599		2,495,761		2,454,868		2,434,695		-3.2	%		-2.5	%
Total deposits	$	6,403,221	$	6,329,340	$	6,376,060	$	6,280,574	$	6,260,072		1.2	%		2.3	%

	As of
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,
	2024			2024			2024			2023			2023
Composition of Deposit Portfolio
Demand: noninterest-bearing		32.0	%		31.0	%		30.3	%		31.9	%		34.5	%
Demand: interest-bearing		1.2	%		1.3	%		1.4	%		1.4	%		1.4	%
Money market and savings		29.7	%		29.0	%		29.2	%		27.6	%		25.2	%
Time deposits		37.1	%		38.7	%		39.1	%		39.1	%		38.9	%
Total deposits		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

Stockholders’ equity at September 30, 2024 was $736.7 million, up $29.6 million from $707.1 million at June 30, 2024. The increase was due to third quarter net income, net of dividends paid, adding $7.3 million to stockholders’ equity for the period. Additionally, there was a $20.7 million decrease in unrealized after-tax losses on securities available for sale and a $2.2 million decrease in unrealized after-tax losses on cash flow hedges, all due to changes in interest rates during the third quarter of 2024. Hanmi also repurchased 75,000 shares of common stock, or $1.4 million, during the quarter at an average share price of $19.10. At September 30, 2024, 1,255,000 shares remain under Hanmi’s share repurchase program. Tangible common stockholders’ equity was $725.7 million, or 9.42% of tangible assets, at September 30, 2024, compared with $696.0 million, or 9.19% of tangible assets at the end of the prior quarter. Please refer to the Non-GAAP Financial Measures section below for more information.

Hanmi and the Bank exceeded minimum regulatory capital requirements, and the Bank continues to exceed the minimum for the “well capitalized” category. At September 30, 2024, Hanmi’s preliminary common equity tier 1 capital ratio was 11.95% and its total risk-based capital ratio was 15.04%, compared with 12.11% and 15.24%, respectively, at the end of the prior quarter.

	As of															Ratio Change
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,			Q3-24		Q3-24
	2024			2024			2024			2023			2023			vs. Q2-24		vs. Q3-23
Regulatory Capital ratios⁽¹⁾
Hanmi Financial
Total risk-based capital		15.04	%		15.24	%		15.20	%		14.95	%		15.07	%		-0.20		-0.03
Tier 1 risk-based capital		12.29	%		12.46	%		12.40	%		12.20	%		12.30	%		-0.17		-0.01
Common equity tier 1 capital		11.95	%		12.11	%		12.05	%		11.86	%		11.95	%		-0.16		0.00
Tier 1 leverage capital ratio		10.56	%		10.51	%		10.36	%		10.37	%		10.27	%		0.05		0.29
Hanmi Bank
Total risk-based capital		14.28	%		14.51	%		14.50	%		14.27	%		14.42	%		-0.23		-0.14
Tier 1 risk-based capital		13.24	%		13.47	%		13.44	%		13.26	%		13.42	%		-0.23		-0.18
Common equity tier 1 capital		13.24	%		13.47	%		13.44	%		13.26	%		13.42	%		-0.23		-0.18
Tier 1 leverage capital ratio		11.43	%		11.41	%		11.29	%		11.32	%		11.25	%		0.02		0.18

⁽¹⁾Preliminary ratios for September 30, 2024

Asset Quality
Loans 30 to 89 days past due and still accruing were 0.24% of loans at the end of the third quarter of 2024, compared with 0.22% at the end of the prior quarter.

Criticized loans totaled $160.0 million at September 30, 2024, up from $70.9 million at the end of the second quarter of 2024.

During the third quarter, the Bank moved the previously identified $28.3 million completed construction loan for a memory-care and assisted-living facility from the special mention category to the held-for-sale nonaccrual category. In addition, the Bank recognized a $1.1 million charge-off on this loan. Subsequent to the end of the third quarter, the Bank completed the sale of this nonaccrual loan.

Also, during the third quarter, the Bank downgraded to special mention two commercial real estate loans in the hospitality industry for $109.7 million and a commercial and industrial loan in the health care industry for $20.1 million. Pay-offs of $8.1 million decreased criticized loans (and classified loans), while upgrades of $6.1 million also decreased criticized loans (and special mention loans). Offsetting the decrease in classified loans were additions of $2.5 million.

Nonperforming loans were $15.5 million at September 30, 2024, down from $19.2 million at the end of the prior quarter. The decrease primarily reflects pay-offs of $6.8 million, where the pay-off of a previously identified $3.9 million nonperforming loan resulted in a $1.7 million recovery. Offsetting the decrease were additions of $3.1 million.

Nonperforming assets were $16.3 million at the end of the third quarter of 2024, down from $20.0 million at the end of the prior quarter. As a percentage of total assets, nonperforming assets were 0.21% at September 30, 2024, and 0.26% at the end of the prior quarter.

Gross charge-offs for the third quarter of 2024 were $3.8 million, compared with $2.3 million for the preceding quarter. Charge-offs included $1.1 million on the previously identified $28.3 million completed construction loan. Recoveries of previously charged-off loans were $2.9 million in the third quarter of 2024, and included a $1.7 million recovery on a previously identified $3.9 million commercial loan in the health care industry. As a result, net charge-offs were $0.9 million for the third quarter of 2024, compared with net charge-offs of $1.8 million for the prior quarter.

The allowance for credit losses was $69.2 million at September 30, 2024, compared with $67.7 million at June 30, 2024. Specific allowances for loans decreased $1.6 million, while the allowance for quantitative and qualitative considerations increased $3.1 million. The ratio of the allowance for credit losses to loans was 1.11% at September 30, 2024 and 1.10% at June 30, 2024.

	As of or for the Three Months Ended (in thousands)															Amount Change
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,			Q3-24			Q3-24
	2024			2024			2024			2023			2023			vs. Q2-24			vs. Q3-23
Asset Quality Data and Ratios

Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	15,027		$	13,844		$	15,839		$	10,263		$	9,545		$	1,183		$	5,482
Delinquent loans to total loans		0.24	%		0.22	%		0.26	%		0.17	%		0.16	%		0.02			0.08

Criticized loans:
Special mention	$	131,575		$	36,921		$	62,317		$	65,314		$	76,473		$	94,654		$	55,102
Classified		28,377			33,945			23,670			31,367			33,134			(5,568	)		(4,757	)
Total criticized loans	$	159,952		$	70,866		$	85,987		$	96,681		$	109,607		$	89,086		$	50,345

Nonperforming assets:
Nonaccrual loans	$	15,248		$	19,245		$	14,025		$	15,474		$	15,783		$	(3,997	)	$	(535	)
Loans 90 days or more past due and still accruing		242			-			-			-			-			242			242
Nonperforming loans*		15,490			19,245			14,025			15,474			15,783			(3,755	)		(293	)
Other real estate owned, net		772			772			117			117			117			-			655
Nonperforming assets**	$	16,262		$	20,017		$	14,142		$	15,591		$	15,900		$	(3,755	)	$	362

Nonperforming assets to assets*		0.21	%		0.26	%		0.19	%		0.21	%		0.22	%		-0.05			-0.01
Nonperforming loans to total loans		0.25	%		0.31	%		0.23	%		0.25	%		0.26	%		-0.06			-0.01

* Excludes a $27.2 million nonperforming loan held-for-sale.
** Excludes repossessed personal property of $1.2 million, $1.2 million, $1.3 million, $1.3 million, and $1.3 million as of Q3-24, Q2-24, Q1-24, Q4-23, and Q3-23, respectively

	As of or for the Three Months Ended (in thousands)
	Sep 30,			Jun 30,			Mar 31,			Dec 31,			Sep 30,
	2024			2024			2024			2023			2023
Allowance for credit losses related to loans:
Balance at beginning of period	$	67,729		$	68,270		$	69,462		$	67,313		$	71,024
Credit loss expense (recovery) on loans		2,312			1,248			404			(2,880	)		5,167
Net loan (charge-offs) recoveries		(878	)		(1,789	)		(1,596	)		5,029			(8,878	)
Balance at end of period	$	69,163		$	67,729		$	68,270		$	69,462		$	67,313

Net loan charge-offs (recoveries) to average loans ⁽¹⁾		0.06	%		0.12	%		0.10	%		-0.33	%		0.60	%
Allowance for credit losses to loans		1.11	%		1.10	%		1.11	%		1.12	%		1.12	%

Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	2,010		$	2,297		$	2,474		$	2,463		$	2,476
Credit loss expense (recovery) on off-balance sheet items		(26	)		(287	)		(177	)		11			(13	)
Balance at end of period	$	1,984		$	2,010		$	2,297		$	2,474		$	2,463

Unused commitments to extend credit	$	739,975		$	795,391		$	792,769		$	813,960		$	848,886

⁽¹⁾Annualized

Corporate Developments
On July 25, 2024, Hanmi’s Board of Directors declared a cash dividend on its common stock for the 2024 third quarter of $0.25 per share. Hanmi paid the dividend on August 21, 2024, to stockholders of record as of the close of business on August 5, 2024.

Earnings Conference Call
Hanmi Bank will host its third quarter 2024 earnings conference call today, October 22, 2024, at 2:00 p.m. PT (5:00 p.m. ET) to discuss these results. This call will also be webcast. To access the call, please dial 1-877-407-9039 before 2:00 p.m. PT, using access code Hanmi Bank. To listen to the call online, either live or archived, please visit Hanmi’s Investor Relations website at https://investors.hanmi.com/ where it will also be available for replay approximately one hour following the call.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches and eight loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

Forward-Looking Statements
This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward-looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

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 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 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;
a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;
the failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract or retain key employees;
our ability to access cost-effective funding;
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;
the adequacy of and changes in the 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; and
cyber security and fraud risks against our information technology and those of our third-party providers and vendors.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Hanmi Financial Corporation and Subsidiaries
Consolidated Balance Sheets (Unaudited)
(Dollars in thousands)

	September 30,			June 30,			Percentage			September 30,			Percentage
	2024			2024			Change			2023			Change
Assets
Cash and due from banks	$	287,767		$	313,079			-8.1	%	$	289,006			-0.4	%
Securities available for sale, at fair value		908,921			877,638			3.6	%		817,242			11.2	%
Loans held for sale, at the lower of cost or fair value		54,336			10,467			419.1	%		11,767			361.8	%
Loans receivable, net of allowance for credit losses		6,188,581			6,108,630			1.3	%		5,953,472			3.9	%
Accrued interest receivable		21,955			23,958			-8.4	%		20,715			6.0	%
Premises and equipment, net		21,371			21,955			-2.7	%		20,707			3.2	%
Customers' liability on acceptances		67			551			-87.8	%		1,386			-95.2	%
Servicing assets		6,683			6,836			-2.2	%		7,156			-6.6	%
Goodwill and other intangible assets, net		11,031			11,048			-0.2	%		11,131			-0.9	%
Federal Home Loan Bank ("FHLB") stock, at cost		16,385			16,385			0.0	%		16,385			0.0	%
Bank-owned life insurance		56,851			56,534			0.6	%		56,364			0.9	%
Prepaid expenses and other assets		138,351			139,266			-0.7	%		144,809			-4.5	%
Total assets	$	7,712,299		$	7,586,347			1.7	%	$	7,350,140			4.9	%

Liabilities and Stockholders' Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,051,790		$	1,959,963			4.7	%	$	2,161,238			-5.1	%
Interest-bearing		4,351,431			4,369,377			-0.4	%		4,098,834			6.2	%
Total deposits		6,403,221			6,329,340			1.2	%		6,260,072			2.3	%
Accrued interest payable		52,613			47,699			10.3	%		50,286			4.6	%
Bank's liability on acceptances		67			551			-87.8	%		1,386			-95.2	%
Borrowings		300,000			292,500			2.6	%		162,500			84.6	%
Subordinated debentures		130,478			130,318			0.1	%		129,860			0.5	%
Accrued expenses and other liabilities		89,211			78,880			13.1	%		82,677			7.9	%
Total liabilities		6,975,590			6,879,288			1.4	%		6,686,781			4.3	%

Stockholders' equity:
Common stock		34			34			0.0	%		34			0.0	%
Additional paid-in capital		589,567			588,647			0.2	%		586,169			0.6	%
Accumulated other comprehensive income		(55,140	)		(78,000	)		29.3	%		(99,422	)		44.5	%
Retained earnings		340,718			333,392			2.2	%		308,007			10.6	%
Less treasury stock		(138,470	)		(137,014	)		-1.1	%		(131,429	)		-5.4	%
Total stockholders' equity		736,709			707,059			4.2	%		663,359			11.1	%
Total liabilities and stockholders' equity	$	7,712,299		$	7,586,347			1.7	%	$	7,350,140			4.9	%

Hanmi Financial Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Three Months Ended
	September 30,		June 30,		Percentage			September 30,		Percentage
	2024		2024		Change			2023		Change
Interest and dividend income:
Interest and fees on loans receivable	$	92,182	$	90,752		1.6	%	$	85,398		7.9	%
Interest on securities		5,523		5,238		5.4	%		4,204		31.4	%
Dividends on FHLB stock		356		357		-0.3	%		317		12.3	%
Interest on deposits in other banks		2,356		2,313		1.9	%		4,153		-43.3	%
Total interest and dividend income		100,417		98,660		1.8	%		94,072		6.7	%
Interest expense:
Interest on deposits		47,153		46,495		1.4	%		36,818		28.1	%
Interest on borrowings		1,561		1,896		-17.7	%		753		107.3	%
Interest on subordinated debentures		1,652		1,649		0.2	%		1,646		0.4	%
Total interest expense		50,366		50,040		0.7	%		39,217		28.4	%
Net interest income before credit loss expense		50,051		48,620		2.9	%		54,855		-8.8	%
Credit loss expense		2,286		961		137.9	%		5,154		-55.6	%
Net interest income after credit loss expense		47,765		47,659		0.2	%		49,701		-3.9	%
Noninterest income:
Service charges on deposit accounts		2,311		2,429		-4.9	%		2,605		-11.3	%
Trade finance and other service charges and fees		1,254		1,277		-1.8	%		1,155		8.6	%
Gain on sale of Small Business Administration ("SBA") loans		1,544		1,644		-6.1	%		1,172		31.7	%
Other operating income		3,329		2,707		23.0	%		6,296		-47.1	%
Total noninterest income		8,438		8,057		4.7	%		11,228		-24.8	%
Noninterest expense:
Salaries and employee benefits		20,851		20,434		2.0	%		20,361		2.4	%
Occupancy and equipment		4,499		4,607		-2.3	%		4,825		-6.8	%
Data processing		3,839		3,686		4.2	%		3,490		10.0	%
Professional fees		1,492		1,749		-14.7	%		1,568		-4.8	%
Supplies and communications		538		570		-5.6	%		552		-2.5	%
Advertising and promotion		631		669		-5.7	%		534		18.2	%
Other operating expenses		3,230		3,561		-9.3	%		2,915		10.8	%
Total noninterest expense		35,080		35,276		-0.6	%		34,245		2.4	%
Income before tax		21,123		20,440		3.3	%		26,684		-20.8	%
Income tax expense		6,231		5,989		4.0	%		7,888		-21.0	%
Net income	$	14,892	$	14,451		3.1	%	$	18,796		-20.8	%

Basic earnings per share:	$	0.49	$	0.48				$	0.62
Diluted earnings per share:	$	0.49	$	0.48				$	0.62

Weighted-average shares outstanding:
Basic		29,968,004		30,055,913					30,251,961
Diluted		30,033,679		30,133,646					30,292,872
Common shares outstanding		30,196,755		30,272,110					30,410,582

Hanmi Financial Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Nine Months Ended
	September 30,		September 30,		Percentage
	2024		2023		Change
Interest and dividend income:
Interest and fees on loans receivable	$	274,608	$	249,888		9.9	%
Interest on securities		15,717		12,356		27.2	%
Dividends on FHLB stock		1,075		888		21.1	%
Interest on deposits in other banks		7,270		9,012		-19.3	%
Total interest and dividend income		298,670		272,144		9.7	%
Interest expense:
Interest on deposits		139,286		94,431		47.5	%
Interest on borrowings		5,112		4,755		7.5	%
Interest on subordinated debentures		4,948		4,828		2.5	%
Total interest expense		149,346		104,014		43.6	%
Net interest income before credit loss expense		149,324		168,130		-11.2	%
Credit loss expense		3,474		7,210		-51.8	%
Net interest income after credit loss expense		145,850		160,920		-9.4	%
Noninterest income:
Service charges on deposit accounts		7,189		7,756		-7.3	%
Trade finance and other service charges and fees		3,945		3,586		10.0	%
Gain on sale of Small Business Administration ("SBA") loans		4,669		4,253		9.8	%
Other operating income		8,425		11,904		-29.2	%
Total noninterest income		24,228		27,499		-11.9	%
Noninterest expense:
Salaries and employee benefits		62,870		61,336		2.5	%
Occupancy and equipment		13,643		13,737		-0.7	%
Data processing		11,076		10,208		8.5	%
Professional fees		5,134		4,278		20.0	%
Supplies and communications		1,710		1,866		-8.4	%
Advertising and promotion		2,207		2,114		4.4	%
Other operating expenses		10,160		7,777		30.6	%
Total noninterest expense		106,800		101,316		5.4	%
Income before tax		63,278		87,103		-27.4	%
Income tax expense		18,772		25,695		-26.9	%
Net income	$	44,506	$	61,408		-27.5	%

Basic earnings per share:	$	1.47	$	2.01
Diluted earnings per share:	$	1.47	$	2.01

Weighted-average shares outstanding:
Basic		30,048,748		30,296,991
Diluted		30,117,269		30,338,678
Common shares outstanding		30,196,755		30,410,582

Hanmi Financial Corporation and Subsidiaries
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Three Months Ended
	September 30, 2024								June 30, 2024								September 30, 2023
				Interest		Average						Interest		Average						Interest		Average
	Average			Income /		Yield /			Average			Income /		Yield /			Average			Income /		Yield /
	Balance			Expense		Rate			Balance			Expense		Rate			Balance			Expense		Rate
Assets
Interest-earning assets:
Loans receivable ⁽¹⁾	$	6,112,324		$	92,182		6.00	%	$	6,089,440		$	90,752		5.99	%	$	5,915,423		$	85,398		5.73	%
Securities ⁽²⁾		986,041			5,523		2.27	%		979,671			5,238		2.17	%		955,473			4,204		1.79	%
FHLB stock		16,385			356		8.65	%		16,385			357		8.77	%		16,385			317		7.67	%
Interest-bearing deposits in other banks		183,027			2,356		5.12	%		180,177			2,313		5.16	%		317,498			4,153		5.19	%
Total interest-earning assets		7,297,777			100,417		5.48	%		7,265,673			98,660		5.46	%		7,204,779			94,072		5.19	%

Noninterest-earning assets:
Cash and due from banks		54,843								55,442								59,994
Allowance for credit losses		(67,906	)							(67,908	)							(70,173	)
Other assets		251,421								252,410								240,145

Total assets	$	7,536,135							$	7,505,617							$	7,434,745

Liabilities and Stockholders' Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	83,647		$	31		0.15	%	$	85,443		$	32		0.15	%	$	94,703		$	32		0.13	%
Money market and savings		1,885,799			17,863		3.77	%		1,845,870			17,324		3.77	%		1,601,826			12,485		3.09	%
Time deposits		2,427,737			29,259		4.79	%		2,453,154			29,139		4.78	%		2,438,112			24,301		3.95	%
Total interest-bearing deposits		4,397,183			47,153		4.27	%		4,384,467			46,495		4.27	%		4,134,641			36,818		3.53	%
Borrowings		143,479			1,561		4.33	%		169,525			1,896		4.50	%		120,381			753		2.48	%
Subordinated debentures		130,403			1,652		5.07	%		130,239			1,649		5.07	%		129,780			1,646		5.07	%
Total interest-bearing liabilities		4,671,065			50,366		4.29	%		4,684,231			50,040		4.30	%		4,384,802			39,217		3.55	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,908,833								1,883,765								2,136,156
Other liabilities		171,987								162,543								159,127
Stockholders' equity		784,250								775,078								754,660

Total liabilities and stockholders' equity	$	7,536,135							$	7,505,617							$	7,434,745

Net interest income				$	50,051							$	48,620							$	54,855

Cost of deposits							2.97	%							2.98	%							2.33	%
Net interest spread (taxable equivalent basis)							1.19	%							1.16	%							1.64	%
Net interest margin (taxable equivalent basis)							2.74	%							2.69	%							3.03	%

⁽¹⁾ Includes average loans held for sale
⁽²⁾ Income calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Hanmi Financial Corporation and Subsidiaries
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Nine Months Ended
	September 30, 2024								September 30, 2023
				Interest		Average						Interest		Average
	Average			Income /		Yield /			Average			Income /		Yield /
	Balance			Expense		Rate			Balance			Expense		Rate
Assets
Interest-earning assets:
Loans receivable ⁽¹⁾	$	6,113,214		$	274,608		6.00	%	$	5,933,525		$	249,888		5.63	%
Securities ⁽²⁾		978,439			15,717		2.17	%		969,146			12,356		1.73	%
FHLB stock		16,385			1,076		8.77	%		16,385			888		7.25	%
Interest-bearing deposits in other banks		188,290			7,269		5.16	%		247,581			9,012		4.87	%
Total interest-earning assets		7,296,328			298,670		5.47	%		7,166,637			272,144		5.08	%

Noninterest-earning assets:
Cash and due from banks		56,217								62,354
Allowance for credit losses		(68,305	)							(71,236	)
Other assets		249,517								237,111

Total assets	$	7,533,757							$	7,394,866

Liabilities and Stockholders' Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	85,158		$	92		0.14	%	$	100,997		$	88		0.12	%
Money market and savings		1,849,053			51,740		3.74	%		1,506,776			29,687		2.63	%
Time deposits		2,462,779			87,454		4.74	%		2,355,923			64,656		3.67	%
Total interest-bearing deposits		4,396,990			139,286		4.23	%		3,963,696			94,431		3.19	%
Borrowings		158,419			5,112		4.31	%		194,530			4,755		3.27	%
Subordinated debentures		130,244			4,948		5.06	%		129,632			4,828		4.97	%
Total interest-bearing liabilities		4,685,653			149,346		4.26	%		4,287,858			104,014		3.24	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,904,611								2,223,891
Other liabilities		166,372								140,070
Stockholders' equity		777,121								743,047

Total liabilities and stockholders' equity	$	7,533,757							$	7,394,866

Net interest income				$	149,324							$	168,130

Cost of deposits							2.95	%							2.04	%
Net interest spread (taxable equivalent basis)							1.21	%							1.84	%
Net interest margin (taxable equivalent basis)							2.74	%							3.14	%

⁽¹⁾ Includes average loans held for sale
⁽²⁾ Amounts calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Non-GAAP Financial Measures

Tangible Common Equity to Tangible Assets Ratio

Tangible common equity to tangible assets ratio is supplemental financial information determined by a method other than in accordance with U.S. generally accepted accounting principles (“GAAP”). This non-GAAP measure is used by management in the analysis of Hanmi’s capital strength. Tangible common equity is calculated by subtracting goodwill and other intangible assets from stockholders’ equity. Banking and financial institution regulators also exclude goodwill and other intangible assets from stockholders’ equity when assessing the capital adequacy of a financial institution. Management believes the presentation of this financial measure excluding the impact of these items provides useful supplemental information that is essential to a proper understanding of the capital strength of Hanmi. This disclosure should not be viewed as a substitute for results determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP performance measures that may be presented by other companies.

The following table reconciles this non-GAAP performance measure to the GAAP performance measure for the periods indicated:

Tangible Common Equity to Tangible Assets Ratio (Unaudited)
(In thousands, except share, per share data and ratios)

	September 30,			June 30,			March 31,			December 31,			September 30,
Hanmi Financial Corporation	2024			2024			2024			2023			2023
Assets	$	7,712,299		$	7,586,347		$	7,512,046		$	7,570,341		$	7,350,140
Less goodwill and other intangible assets		(11,031	)		(11,048	)		(11,074	)		(11,099	)		(11,131	)
Tangible assets	$	7,701,268		$	7,575,299		$	7,500,972		$	7,559,242		$	7,339,009

Stockholders' equity ⁽¹⁾	$	736,709		$	707,059		$	703,100		$	701,891		$	663,359
Less goodwill and other intangible assets		(11,031	)		(11,048	)		(11,074	)		(11,099	)		(11,131	)
Tangible stockholders' equity ⁽¹⁾	$	725,678		$	696,011		$	692,026		$	690,792		$	652,228

Stockholders' equity to assets		9.55	%		9.32	%		9.36	%		9.27	%		9.03	%
Tangible common equity to tangible assets⁽¹⁾		9.42	%		9.19	%		9.23	%		9.14	%		8.89	%

Common shares outstanding		30,196,755			30,272,110			30,276,358			30,368,655			30,410,582
Tangible common equity per common share	$	24.03		$	22.99		$	22.86		$	22.75		$	21.45

⁽¹⁾There were no preferred shares outstanding at the periods indicated.

Exhibit 99.2

3Q24 Earnings Supplemental Presentation October 22, 2024 Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego

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 and financial performance, financial position 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, financial condition and results of operations, 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 changes in governmental policy, legislation and regulations, economic uncertainty and changes in economic conditions, inflation, fluctuations in interest rate and credit risk, competitive pressures, our ability to access cost - effective funding, the ability to enter into new markets successfully and capitalize on growth opportunities, balance sheet management, liquidity and sources of funding, the size and composition of our deposit portfolio, and including the percentage of uninsured deposits in the portfolio, increased assessments by the Federal Deposit Insurance Corporation, risk of natural disasters, a failure in or breach of our operational or security systems or infrastructure, including cyberattacks, the adequacy of and changes in the methodology of calculating our allowance for credit losses, and other operational factors . 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 22 , 2024 , 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 (“SEC”) . The Company disclaims any obligation to update or revise the forward - looking statements herein . 2 Forward - Looking Statements

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, and tangible common equity per share . 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 . 3 Non - GAAP Financial Information

3Q24 Highlights Diluted EPS $0.49 ROAA 0.79% NIM 2.74% Efficiency Ratio 59.98% TBVPS (1) $24.03 Net Income $14.9M • Net income was $14.9 million, or $0.49 per diluted share, up 3.1% from $14.5 million, or $0.48 per diluted share, for the prior quarter. The increase reflects a $2.0 million, or 9.4%, increase in pretax, preprovision income, propelled by a 2.9% increase in net interest income. » Net interest income was $50.1 million, up 2.9% from the prior quarter » Noninterest income was $8.4 million, up 4.7% from the prior quarter » Noninterest expense was $35.1 million, down 0.6% from the prior quarter; primarily reflecting the absence of the second quarter $0.3 million branch consolidation charge » Efficiency ratio was 59.98%, compared with 62.24% for the prior quarter • Loans receivable were $6.26 billion, up 1.3% from the prior quarter » Loan production was $347.8 million with a weighted average interest rate of 7.92% • Loans held for sale were $54.3 million, up 419.1% from the prior quarter » Nonperforming loans of $27.2 million, subsequent to the end of the quarter, the Bank completed the sale » Residential mortgage loans were $18.3 million » SBA 7(a) loans of $8.8 million, down from $10.5 million from the prior quarter • Deposits were $6.40 billion, up 1.2% from the prior quarter, with noninterest - bearing demand deposits representing 32.0% of total deposits » Cost of interest - bearing deposits was 4.27%, unchanged from the prior quarter • Credit loss expense was $2.3 million; allowance for credit losses to loans was 1.11% • Tangible common equity to tangible assets (1) was 9.42%, Common equity tier 1 capital ratio was 11.95% and total capital ratio was 15.04% (1) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide ROAE 7.55% 4

CRE C&I Equipment Finance Loan Production Weighted average 7.92% 8.31% 8.02% 8.10% 7.80% interest rate on Commercial real estate loan production was $110.2 million and Commercial and industrial loan production was $105.1 million. • new production ($ in millions) Equipment finance production was $40.1 million and Residential mortgage (1,4) • $347.8 $389.5 12% $336.3 production was $40.8 million. 15% $273.9 14% 11% SBA (2,3) loan production was $51.6 (3) million. • 12% 11% 30% 20% 11% 16% 21% $234.0 12% 23% 17% 22% 15% 13% 46% 16% 21% 20% 32% 32% 26% 32% 3Q23 4Q23 1Q24 2Q24 3Q24 Loan production of $347.8 million in the third quarter reflected meaningful contribution from CRE and C&I. CRE production increased by 26% to $110.2 million and C&I production increased by 78% to $105.1 million quarter - over - quarter. SBA (2,3) 5 RRE (1) (1) Residential mortgage includes $0.0, $0.0, $0.3 million, $0.0, and $0.0 of consumer loans for 3Q23, 4Q23, 1Q24, 2Q24, and 3Q24, respectively (2) $36.1 million, $48.4 million, $30.8 million, $54.5 million, and $51.6 million of SBA loan production includes $17.6 million, $20.2 million, $12.2 million, $31.4 million, and $25.6 million of loans secured by CRE and the remainder representing C&I as of 3Q23, 4Q23, 1Q24, 2Q24, and 3Q24, respectively (3) Production includes purchases of guaranteed SBA loans of $9.7 million, $10.2 million, $14.5 million, and $13.7 million for 4Q23, 1Q24, 2Q24, and 3Q24, respectively (4) Production includes purchased mortgage loans of $5.2 million and $10.7 million for 2Q24 and 3Q24, respectively

Loan Portfolio Commercial Real Estate (CRE) (1,2) Portfolio $3,932 Outstanding ($ in millions) 5.68% 3Q24 Average Yield $6.26 Billion Loan Portfolio (as of September 30, 2024) CRE 6 Owner - 13% CRE Multifamily - 7% CRE Construction - 1% C&I - 14% Equipment Finance - 8% CRE (2) Multifamily 149 # of Loans 54.6% Weighted Average Loan - to - Value Ratio (4) 1.58x Weighted Average Debt Coverage Ratio (4) CRE (2) Investor (non - owner) 865 # of Loans 49.4% Weighted Average Loan - to - Value Ratio (4) 2.04x Weighted Average Debt Coverage Ratio (4) CRE (2) Owner Occupied 718 # of Loans 47.5% Weighted Average Loan - to - Value Ratio (4) 2.73x Weighted Average Debt Coverage Ratio (4) Residential Real Estate (RRE) (3) Portfolio $939 Outstanding ($ in millions) 5.19% 3Q24 Average Yield Commercial & Industrial (C&I) (1) Portfolio $879 Outstanding ($ in millions) 8.57% 3Q24 Average Yield Equipment Finance Portfolio $507 Outstanding ($ in millions) 6.18% 3Q24 Average Yield Note: Numbers may not add due to rounding (1) Includes syndicated loans of $278.2 million in total commitments ($228.3 million disbursed) across C&I ($214.3 million committed and $164.4 million disbursed) and CRE ($63.9 million committed and disbursed) (2) Commercial Real Estate (CRE) is a combination of Investor (non - owner), Owner Occupied, Multifamily, and Construction. Investor (or non - owner occupied) property is where the investor 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 the property and also occupies it. The primary source of repayment is the cash flow 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 $1.5 million of HELOCs and $8.3 million in consumer loans (4) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently (5) $80.4 million, or 19.0%, of the CRE multifamily loans are rent - controlled in New York City (2) (2,5) (2) CRE Investor (non - owner) (2) - 42% (3) RRE - 15%

Loan Portfolio Diversification Loan portfolio is well diversified across collateral and industry types; CRE represents 63% of the total portfolio and C&I, excluding Equipment Finance Agreements, represents 14%. CRE Portfolio (1) $3,932M C&I Portfolio (2) $879M Retail – 28% Hospitality – 21% Office – 15% Industrial – 10% Multifamily – 10% Gas Station – 6% Mixed Use – 3% Construction – 2% Other – 5% Manufacturing - 27% 7 Finance & Insurance - 15% Retail Trade - 7% Wholesale Trade - 5% 5% Real Estate Rental & Leasing - Healthcare - 3% Other - 38% (1) $108.0 million, or 2.7%, of the CRE portfolio are unguaranteed SBA loans (2) $50.3 million, or 5.7%, and $45.7 million, or 5.2%, of the C&I portfolio are unguaranteed and guaranteed SBA loans, respectively

CRE Portfolio Geographical Exposure CRE Composition by State $3,932 Multifamily by State $413 Construction by State $85 Owner Occupied by State $780 Investor (Non - owner Occupied) by State $2,654 California – $2,517 64% Texas – $409 10% New York – $263 7% Illinois – $105 3% Other – $638 16% California – $203 49% Texas – $101 24% New York – $80 19% Illinois – $14 3% Other – $15 5% California – $40 47% New York – $18 21% Other – $27 32% California – $446 57% New York – $8 1% Texas – $57 7% Illinois – $14 2% Other – $255 33% California – $1,828 69% 8 Texas – $251 9% New York – $156 6% Illinois – $78 3% Other – $341 13% ($ in millions) ($ in millions)

Loan Portfolio Distribution CRE C&I ($ in millions) ($ in millions) Construction (1) Multifamily Non - owner Occupied Owner Occupied $85 $413 $2,654 $780 Total Balance $7.71 $2.77 $3.07 $1.09 Average $2.64 $1.10 $1.11 $0.34 Median $49 $298 $1,904 $589 (3) Top Quintile Balance $15.6 or more $2.6 or more $3.7 or more $1.2 or more Top Quintile Loan Size $24.73 $9.95 $11.13 $4.12 Top Quintile Average $24.73 $4.73 $7.00 $2.24 Top Quintile Median Lines of Credit (2) Term (2) $502 $378 Total Balance $0.90 $0.34 Average $0.15 $0.06 Median $416 $327 (3) Top Quintile Balance $0.9 or more $0.2 or more Top Quintile Loan Size $5.40 $1.51 Top Quintile Average $2.29 $0.36 Top Quintile Median Residential Real Estate & Equipment Finance 9 Equipment Finance Residential Real Estate $507 $939 Total Balance $0.04 $0.53 Average $0.03 $0.45 Median $259 $400 Top Quintile Balance (3) $0.1 or more $0.7 or more Top Quintile Loan Size $0.12 $1.14 Top Quintile Average $0.10 $0.91 Top Quintile Median ($ in millions) (1) Represents the total outstanding amount. Advances require authorization and disbursement requests, depending on the progress of the project and inspections. Advances are non - revolving and are made throughout the term, up to the original commitment amount (2) Term loans are a commitment for a specified term. Majority of the Lines of Credit are revolving, including commercial revolvers, with some non - revolvers (sub - notes and working capital tranches) (3) Top quintile represents top 20% of the loans

<1 Year 1 - 3 Years >3 Years Total Real estate loans $ 1,087.4 $ 576.4 $ 366.0 $ 145.0 Retail 819.0 350.9 259.9 208.2 Hospitality 571.6 134.5 270.2 166.9 Office 1,369.4 627.8 512.4 229.2 Other 3,847.4 1,689.6 1,408.5 749.3 Commercial Property 84.8 - 13.9 70.9 Construction 939.3 932.5 0.1 6.7 RRE / Consumer 4,871.5 2,622.1 1,422.5 826.9 Total Real Estate Loans 879.1 278.0 176.7 424.4 C&I (1) 507.3 253.9 223.7 29.7 Equipment Finance $ 6,257.9 $ 3,154.0 $ 1,822.9 $ 1,281.0 Loans receivable 10 Loan Portfolio Maturities ($ in millions) Note: numbers may not add due to rounding (1) $395.7 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year

USKC (1) Loans & Deposits 26% 11% 9% 9% 8% 5% 3% 3% 3% 3% 20% Real Estate Investment Auto Part Manufacturer Hotel Food Education Steel Transportation Electronics/Home Appliances Golf Course Computer Equipment Other USKC portfolio represented $917.6 million, or 15%, of the loan portfolio, and $798.0 million, or 12%, of the deposit portfolio. USKC CRE portfolio had a weighted average debt coverage ratio (2) of 1.92x and weighted average loan - to - value (2) of 55.9%. USKC Loans – Top 10 Industries (as of 3Q24) 80% 80% 74% $720 20% $764 20% $918 26% C&I $865 CRE (4) $834 28% 24% 72% 76% 3Q23 4Q23 1Q24 2Q24 3Q24 USKC Loans by Product ($ in millions) USKC Deposits – Top 10 Industries (as of 3Q24) 27% Auto Part Manufacurer 26% Steel 21% Electronics/Home Appliances 5% RE Investment/Leasing 3% Food 3% All Other Financial Investment Activities 2% IT 2% Hospitality 2% Research and Development 2% Electrical Auto Parts 7% Other 41% 34% 36% 54% 62% 59% $795 49% 46% $819 $848 $867 $798 54% 41% 3Q23 4Q23 1Q24 2Q24 3Q24 Demand Noninterest - bearing Money Market & Savings 11 USKC Deposits by Product (3) ($ in millions) (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%. (4) Criticized loans represent 11.96% of the USKC loan portfolio stemming from two special mention loans of $109.7 million in the hospitality industry

Office Loan Portfolio The CRE office portfolio (1) was $571.6 million (2) at September 30, 2024, representing 9% of the total loan portfolio. 81% 12% 3% Remaining = 3% 1% Portfolio by State • Average balance and median balance of the portfolio were $ 4 . 4 million and $ 1 . 09 million, respectively • Weighted average debt coverage ratio (3) of the segment was 2.02x • Weighted average loan to value (3) of the segment was 55.71% • 23.5% of the portfolio is expected to reprice in 1 to 3 months • Delinquent loans represented 0.14% of the office portfolio • Criticized loans represented 1.52% of the office portfolio Rate Distribution (1) Segment represents exposure in CRE and excludes $18 million in construction. 7.7% of the portfolio is owner occupied (2) SBA CRE office loans were $7.3 million, or 1.3% of total office loans, at September 30, 2024 (3) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently 65% 35% Fixed Variable 12

Airport – 6% Resort – 8% 13 Metropolitan – 56% (3) Destination / S u b ur b ( a 3 n ) – 27% Hospitality Segment Hospitality segment represented $819.0 million (1) , or 13% of the loan portfolio, at September 30, 2024. Convention Center – 3% (1) SBA loans in the hospitality segment were $21.5 million, or 2.6% of total hospitality loans, at September 30, 2024 (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 • Average balance and median balance of the segment (excluding construction) were $4.2 million and $1.0 million, respectively • Weighted average debt coverage ratio (2) of the segment was 2.13x • Weighted average loan to value (2) of the segment was 51.33% • $112.5 million, or 13.74%, of the hospitality segment was criticized as of September 30, 2024 • Segment includes two nonaccrual loans for $224 thousand - one in the metropolitan (3) area in Texas, and one in the suburban/destination areas in Tennessee

Retail Segment Retail segment represented $1.09 billion (1) , or 17% of the loan portfolio, at September 30, 2024. (1) SBA loans in the retail segment are $69.0 million, or 6.34% of total retail loans, at September 30, 2024 (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently • Average balance and median balance of the segment were $1.5 million and $0.7 million, respectively • Weighted average debt coverage ratio (2) of the segment was 2.02x • Weighted average loan to value (2) of the segment was 46.43% • $4.5 million, or 0.41%, of the retail segment was criticized at September 30, 2024 • $2.3 million, or 0.21%, of the retail segment was on nonaccrual status at September 30, 2024 California 71% 14 Texas 13% Illinois 2% Georgia 3% Other 11%

Residential Real Estate Portfolio QM - 2% (2) 15 Non - QM - 90% (3) Jumbo Non - QM - 8% (4) The RRE (1) portfolio was $939.3 million at September 30, 2024, 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. (1) RRE includes $1.5 million of Home Equity Line of Credit (HELOC) and $8.3 million in consumer loans (2) 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 • 27.4% of the Residential Real Estate portfolio is fixed and 72.6% is variable. Of the variable mortgage portfolio, 87.3% is expected to reset after 12 months and 12.7% within the next 12 months • Total delinquencies are 0.69% of the residential portfolio, consisting of 0.39% within 30 - 59 and 0.30% in 60 - 89 days delinquency categories • $1.9 million, or 0.20%, of the RRE portfolio was on nonaccrual status at September 30, 2024

Equipment Finance Portfolio Equipment finance portfolio represented $507.3 million, or 8% of the loan portfolio, at September 30, 2024. Transportation, 24% Construction 15% Waste Management, 13% Manufacturing, 12% Professional Services, 5% Retail Trade, 5% Healthcare, 5% Wholesale Trade, 4% (1) Other, 17% 33% 8% 7% 6% 5% 4% 3% 3% 3% 28% Trucks Earth Moving Machine Tools Software Trailers General Construction Material Handling Medical/Dental Printing Other Portfolio by Industry Portfolio by Equipment Portfolio by State 13% 16 9% 4% 8% 6% 4% 3% 3% Remaining = 46% 4% (1) Other includes agriculture and other services of 3% and 3%, respectively

3.53% 3.83% 4.16% 4.27% 4.27% $4,135 $4,174 $4,409 $4,384 $4,397 4Q23 1Q24 2Q24 Average Balance of Interest - bearing Deposits Interest - bearing Deposit Costs 3Q23 3Q24 Deposit Base Total deposits increased by 1% to $6.40 billion, led by $91.8 million, or 5%, increase in noninterest - bearing deposits quarter - over - quarter. Noninterest - bearing demand deposits represented 32% of total deposits at September 30, 2024. Estimated uninsured deposit liabilities were 42% of the total deposit liabilities. Brokered deposits remained low, at 0.2% of the deposit base. 3Q23 4Q23 Note: Numbers may not add due to rounding Deposits Deposits (as of 3Q24) ($ in millions) ($ in millions) Average Interest - bearing Deposits Business $3,365 53% Personal $3,038 47% ($ in millions) 35% 32% 30% 31% 32% 1% 1% 1% 1% 1% 25% 28% 29% 29% 30% 16% 16% 16% 16% 15% 23% 23% 24% 23% 22% $6,260 $6,281 $6,376 $6,329 $6,403 1Q24 2Q24 3Q24 Time <= $250K Money Market & Savings Demand Noninterest - bearing Time > $250K Demand Interest - bearing 17

Net Interest Income | Net Interest Margin Net interest income for the third quarter was $ 50 . 1 million and net interest margin (taxable equivalent) was 2 . 74 % , both up from the previous quarter primarily due to improvements in the yields on interest - earning assets by 2 bps and the cost of interest - bearing liabilities by 3 bps . ($ in millions) 2.69% 0.01% 0.01% 0.01% 0.02% 2.74% 2Q24 Loans Other earning assets IB - deposits FHLB Borrowings & other IB liabilities Decrease 3Q24 NIM Increase $54.9 $53.1 $50.7 $48.6 $50.1 3.03% 2.92% 2.78% 2.69% 2.74% 3Q23 4Q23 1Q24 2Q24 3Q24 Net Interest Income NIM 18

Net Interest Income Sensitivity Loan & Deposit Beta (1) . Fed Funds Rate & Cost of CDs $73.2 $60.0 $1,020.9 $677.2 $441.3 $89.8 $1,094.1 $737.2 $441.3 $89.8 5.01% 4.73% 4.40% 3.54% 4Q24 3Q25 1Q25 Wholesale 2Q25 Retail ($ in millions) 4Q23 1Q24 2Q24 Deposits – CD Maturities 5.50% 5.50% 5.50% 5.50% 5.00% 3.95% 4.24% 4.66% 4.78% 4.79% 3Q23 3Q24 Fed Funds Rate (3) Cost of CDs (2) ($ in millions) Cost of CDs (4) Numbers may not add due to rounding (1) Loan yield and cost of interest - bearing deposit represent monthly yield and cost respectively. Fed funds rate represents the rate at the end of the month. Beta is measured between March 2022 and June 2024 (2) Cost of CDs and interest bearing - deposits for the month of September 2024 was 4.77% and 4.22%, respectively (3) Fed funds rate represents the rate at the end of the quarter (4) Represent weighted average contractual rates 4.24% 4.14% 4.49% 4.79% 5.44% 5.60% 5.64% 5.78% 5.91% 6.02% 6.00% 0.27% 0.25% 0.40% 0.99% 2.08% 2.97% 3.37% 3.60% 3.97% 4.20% 4.28% 0.2 5 % 0.50% 1.75% 3.25% 4.50% 5.00% 5.25% 5.50% 5.50% 5.50% 5.50% Fed Funds Rate 19 Loan Yield Interest - bearing deposit cost Loan Beta: 37% Deposit Beta: 80%

35% $2.3 12% 19% $0.8 $1.3 5% $0.3 29% $1.9 Service charges on deposit accounts Trade finance and other service charges and fees Servicing income Bank - owned life insurance All other operating income Noninterest Income SBA 7(a) Loan Production and Sales ($ in millions) $36.1 $48.4 $30.8 $54.5 $51.6 $21.0 $29.9 $25.6 $23.5 $23.0 6.84% 6.17% 7.23% 8.54% 8.54% 3Q23 4Q23 1Q24 SBA Loan Sales SBA Production 2Q24 3Q24 SBA Trade Premium Noninterest income for the third quarter was $8.4 million, up 5% from the previous quarter. Noninterest Income 3Q24 Service Charges and Fees ($ in millions) ($ in millions) $5.3 $5.8 $6.1 $6.6 $11.2 $1.2 $6.7 $1.4 $7.7 $0.4 $1.5 $8.1 $0.4 $1.6 $8.4 $0.3 $1.5 3Q23 4Q23 1Q24 2Q24 3Q24 (1) $10.0 Service charges, fees & other Gain on sale of SBA loans Gain of sale of mortgage loans Numbers may not add due to rounding (1) Includes a $4.0 million and $0.9 million gain on sale - and - leaseback of bank premises in 3Q23 and 3Q24, respectively. 20 (1)

Noninterest Expense Continued focus on disciplined expense management. $20.4 $20.1 $21.6 $20.4 $20.9 Noninterest expense was $35.1 million for the third quarter, down 0.6% from the second quarter of 2024, primarily • Noninterest expense / Average assets 1.85% 1.89% 1.94% 1.87% 1.83% reflecting the absence of the second quarter $0.3 million branch consolidation charge Salaries and benefits expense increased by $0.4 million quarter - over - quarter primarily driven by the absence of $0.6 • $35.1 $4.4 $1.5 $3.8 $4.5 $35.3 $5.2 $1.7 $3.7 $4.3 $36.4 $4.8 $1.9 $3.6 $4.5 $35.2 $5.0 $2.0 $3.5 $4.6 $34.2 $3.9 $1.6 $3.5 $4.8 million of labor cost capitalization associated with the investment in a new loan origination system in 2Q24 2Q24 3Q24 Occupancy and equipment Professional Fees 3Q23 4Q23 1Q24 Salaries and employee benefits Data Processing All other expenses ($ in millions) 21

Asset Quality – Delinquent & Criticized Loans Delinquent loans / Total loans $76.5 $65.3 $62.3 $36.9 $109.6 $96.7 $86.0 $70.9 $160.0 1.82% 1.56% 1.39% 1.15% 2.56% Classified Special Mention Delinquent Loans (1) Criticized Loans Criticized loans / Total loans The $94.7 million increase in special mention in the third quarter was primarily driven by two CRE loans in the hospitality industry for $109.7 million and one C&I loan in the healthcare industry for $20.1 million. These loans are current and adequately protected. $7.6 $6.1 $7.9 $9.5 $2.6 $10.3 $2.3 $28.4 $34.0 $23.7 $31.4 $33.1 $7.1 $7.7 $8.2 $8.0 $6.9 3Q24 2Q24 1Q24 4Q23 3Q23 3Q24 2Q24 1Q24 4Q23 3Q23 (2) $131.6 $15.8 $13.8 $15.0 0.16% 0.17% 0.26% 0.22% 0.24% Equipment Finance Delinquent Loans All Other Delinquent Loans Numbers may not add due to rounding (1) Represents loans 30 to 89 days past due and still accruing (2) Includes two special mention CRE loans of $109.7 million in the hospitality industry and a $20.1 million C&I loan in the healthcare industry 22 ($ in millions) ($ in millions)

$15.8 $15.5 $14.0 $19.2 $15.5 $0.1 $0.1 $0.1 $15.9 $15.6 $14.1 $20.0 3Q23 4Q23 1Q24 Nonperforming loans 2Q24 3Q24 OREO Asset Quality – Nonperforming Assets & Nonaccrual Loans 0.22% 0.21% 0.19% 0.26% 0.21% Nonperforming assets / Total assets Nonperforming Assets (1) Nonaccrual Loans Nonperforming assets were $16.3 million at the end of the third quarter, down from $20.0 million at the end of the second quarter. ($ in millions) ($ in millions) Note: Numbers may not add due to rounding (1) Nonperforming assets exclude repossessed personal property of $1.3 million, $1.3 million, $1.3 million, $1.2 million, and $1.2 million for September 30, 2023, December 31, 2023, March 31, 2024, June 30, 2024, and September 30, 2024, respectively; also excludes the $27.2 million held for sale nonperforming loan at September 30, 2024 (2) Specific allowance for credit losses at September 30, 2023, December 31, 2023, March 31, 2024, June 30, 2024, and September 30, 2024 was $2.9 million, $3.4 million, $5.3 million, $6.8 million, and $5.2 million, respectively (3) RRE includes consumer loans $7.9 $7.3 $6.9 $8.6 $9.6 $4.9 $4.9 $16.3 $0.8 $3.3 $3.0 $0.8 $15.8 $15.5 $15.2 $3.7 $1.9 $3.9 (2) $14.0 $5.9 $3.9 $0.8 $3.2 $19.2 3Q23 4Q23 Equipment Finance 1Q24 2Q24 3Q24 RRE All other CRE and C&I < $3M All other CRE and C&I >= $3M 23 (3) (2) (2) (2) (2)

Asset Quality – Gross & Net Loan Charge - offs Gross Charge - offs Net Charge - offs Net Charge - offs / Average loans Net charge - offs for the third quarter were $0.9 million. ($ in millions) ($ in millions) $2.8 $1.8 $2.0 $2.1 $2.5 $6.6 $1.3 $9.4 $1.8 $2.1 $0.1 $2.3 $0.2 $3.8 3Q23 4Q23 1Q24 Equipment Finance Charge - offs 2Q24 3Q24 All Other Loan Charge - offs Note: Numbers may not add due to rounding $2.5 $1.2 $1.6 $1.8 $2.0 $6.4 ($6.2) ($1.1) $8.9 $1.6 $1.8 $0.9 0.60% - 0.33% 0.10% 0.12% 0.06% ($5.0) 4Q23 1Q24 3Q23 2Q24 3Q24 All Other Net Charge - offs Equipment Finance Net Charge - offs 24

ACL Trends Allowance for credit losses was $69.2 million at September 30, 2024, or 1.11% to total loans, compared with $67.7 million and 1.10% at the end of the prior quarter. $67.3 $69.5 $68.3 $67.7 $69.2 1.12% 1.12% 1.11% 1.10% 1.11% 3Q23 4Q23 1Q24 2Q24 3Q24 Allowance for credit losses ACL to Loans $5.2 $0.2 $1.0 $2.3 ($2.9) 4Q23 3Q23 1Q24 2Q24 3Q24 Credit loss recovery Credit loss expense Allowance for Credit Losses Credit Loss Expense (Recovery) 25 ($ in millions) ($ in millions)

ACL Analysis by Loan Type September 30, 2023 December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 ($ in millions) Loans Allowance Loans Allowance Loans Allowance Loans Allowance Loans Allowance $ 3,773.0 $ 38.9 $ 3,889.7 $ 40.2 $ 3,878.5 $ 36.4 $ 3,888.5 $ 36.1 $ 3,932.1 $ 37.8 CRE 728.8 11.2 747.8 10.3 774.9 11.8 802.4 10.6 879.1 9.8 C&I 592.7 12.3 582.2 13.7 554.0 13.7 531.3 15.0 507.3 15.7 Equipment Finance 926.3 4.9 962.7 5.3 970.4 6.2 954.2 6.0 939.3 5.9 RRE & Consumer $ 6,020.8 $ 67.3 $ 6,182.4 $ 69.5 $ 6,177.8 $ 68.3 $ 6,176.4 $ 67.7 $ 6,257.7 $ 69.2 Total Note: Numbers may not add due to rounding 26

US Agy Residential MBS - Maturity 15 Year - 70% 20 Year - 18% Securities Portfolio The $987 million securities portfolio (all AFS, no HTM) represented 13% of assets at September 30, 2024, and had a weighted average modified duration of 4.2 years with $79 million in an unrealized loss position. Principal Paydowns ($ in millions) $101 $166 $213 $194 $120 $19 $190 $24 $235 $22 $210 $16 2025 2026 Principal Interest Unrealized Loss US Agy - 5% US Agy MBS - Residential 61% US Agy MBS - Commercial - 14% US Agy CMO - 8% Municipal - 12% Available for Sale UST - 10% US Agy - 13% US Agy MBS - Residential - 47% US Agy MBS - Commerical - 7% US Agy CMO - 15 % Municipal - 8% $987 Million Securities Duration < 1 Year 12% 1 to 3 Year 21% 3 to 5 Years 39% > 5 Years 28% 4.2 Years $464 Million 30 Year - (2) 12% $79 Million (1) Based on the book value 2023 Actual (3) 2024 projection consists of $166 million principal paydowns and $24 million of interest payments. 3Q24 observed $48 million of principal paydown and $7 million on interest payments. Note: Numbers may not add due to rounding 27 (2) 92% constitutes CRA bonds 2024 (3) (1)

Balance % of Assets FHLB available borrowing capacity FRB discount window borrowing capacity Federal funds lines (unsecured) available 1,243 29 115 16.2% 0.4% 1.5% Secondary liquidity sources 1,387 18.1% Bank liquidity (liquid assets + secondary liquidity) $ 2,519 33.5% Liquidity The Bank and the Company have ample liquidity resources at September 30, 2024. (1) Liquid assets includes 1) cash & cash equivalents, 2) securities (unpledged), and 3) $54.3 million of loans held for sale (not shown above) (2) Rate at September 30, 2024, based on 3 - month SOFR + 166 bps (3) Issued in August 2021 and due in July 2031. Commencing on September 1, 2026, the interest rate will reset quarterly to the three - month SOFR + 310 bps Liquidity Position ($ in millions) 14.6% 14.9% 14.4% 15.0% 15.5% 17.0% 17.9% 16.8% 17.9% 18.5% 16.2% 16.6% 16.1% 16.8% 17.3% 1.2% 0.9% 0.7% 0.4% 0.2% 3Q23 4Q23 1Q24 2Q24 3Q24 3.7% $ 288 Cash & cash equivalents Liquid Assets to Deposits Liquid Assets to Total Assets 11.0% 844 Securities (unpledged) 1) Liquid Assets to Total Liabilities Broker Deposits to Deposits ( Liquid assets 1,132 15.5% Liquidity Ratios 28 Rate (2) 6.61% (3) 3.75% Amortized Cost $ 22 108 Par $ 27 110 2036 Trust Preferred Securitites 2031 Subordinated Debt $ 130 $ 137 Company only Subordinated Debentures ($ in millions) Cash & Securities at Company only ($ in millions) Balance Cash $ 14 Securities (AFS) 33 $ 47

(1) Non - GAAP financial measure, refer to the non - GAAP reconciliation slides (2) Rate at the end of the quarter Capital Management Tangible book value per share (TBVPS) (1) increased to $24.03 from $22.99 at the end of the prior quarter. The increase reflects $7.3 million of net income, net of cash dividends paid, a $20.7 million decrease in unrealized after - tax losses on securities available for sale and a $2.2 million decrease in unrealized after - tax losses on cash flow hedges. 4.61% 3.85% 4.21% 4.38% 3.56% ($99.4) ($71.9) ($76.9) ($78.0) ($55.1) 3Q23 4Q23 1Q24 2Q24 3Q24 AOCI $21.45 $22.75 $22.86 $22.99 $24.03 8.89% 9.14% 9.23% 9.19% 9.42% 3Q23 4Q23 1Q24 2Q24 3Q24 TBVPS TBVPS (1) & TCE/TA (1) AOCI & 5 - YR TSY 5 - YR TSY (2) TCE / TA ($ in millions) (1) 29 (1)

Regulatory Capital The Company exceeds regulatory minimums and the Bank remains well capitalized at September 30, 2024. 8.00% 6.00% 4.50% 2.50% 2.50% 2.50% 15.04% 12.29% 11.95% 14.20% 11.45% 11.11% 10.50% 8.50% 7.00% Minimum Requirement Capital Conservation Buffer Company Pro Forma 10.00% 8.00% 6.50% 14.28% 13.24% 13.24% 13.44% 12.40% 12.40% Well Capitalized Bank Pro Forma (1) 30 CET1 Capital Tier 1 Capital Total Capital Company Bank CET1 Capital Tier 1 Capital Total Capital (1) Pro forma illustrates capital ratios with unrealized loses at September 30, 2024. Non - GAAP financial measure; refer to the non - GAAP reconciliation slide (1)

Appendix 31

3Q24 Financial Summary Note: numbers may not add due to rounding (1) Percentage change calculated from dollars in thousands for income statement summary; change in basis points for selected balance sheet items and profitability metrics (2) Non - GAAP financial measure, refer to the non - GAAP reconciliation slide $ 0.62 $ 0.48 $ 0.49 EPS - Diluted September 30, 2024 June 30, 2024 September 30, 2023 Q/Q Y/Y Income Statement Summary - 8.8% 2.9% $ 54.9 $ 48.6 $ 50.1 Net interest income before credit loss - 24.8% 4.7% 11.2 8.1 8.4 Noninterest income - 11.5% 3.2% 66.1 56.7 58.5 Operating revenue 2.4% - 0.6% 34.2 35.3 35.1 Noninterest expense - 55.4% 139.3% 5.2 1.0 2.3 Credit loss (recovery) expense - 20.9% 3.3% 26.7 20.4 21.1 Pretax income - 21.0% 4.0% 7.9 6.0 6.2 Income tax expense - 20.8% 3.0% $ 18.8 $ 14.5 $ 14.9 Net income Selected balance sheet items 3.9% 1.3% $ 6,021 $ 6,176 $ 6,258 Loans receivable 2.3% 1.2% 6,260 6,329 6,403 Deposits 4.9% 1.7% 7,350 7,586 7,712 Total assets 11.1% 4.2% $ 663 $ 707 $ 737 Stockholders' equity Profitability Metrics (21) 2 1.00% 0.77% 0.79% Return on average assets (233) 5 9.88% 7.50% 7.55% Return on average equity 53 23 8.89% 9.19% 9.42% TCE/TA (2) (29) 5 3.03% 2.69% 2.74% Net interest margin 816 (226) 51.82% 62.24% 59.98% Efficiency ratio 32

Non - GAAP Reconciliation: Tangible Common Equity to Tangible Asset Ratio 33 (1) There were no preferred shares outstanding at the periods indicated September 30, December 31, March 31, June 30, September 30, ($ in thousands, except per share data) 2023 2023 2024 2024 2024 Hanmi Financial Corporation $ 7,350,140 $ 7,570,341 $ 7,512,046 $ 7,586,347 $ 7,712,299 Assets (11,131) (11,099) (11,074) (11,048) (11,031) Less goodwill and other intangible assets $ 7,339,009 $ 7,559,242 $ 7,500,972 $ 7,575,299 $ 7,701,268 Tangible assets $ 663,359 $ 701,891 $ 703,100 $ 707,059 $ 736,709 Stockholders' equity (1) (11,131) (11,099) (11,074) (11,048) (11,031) Less goodwill and other intangible assets $ 652,228 $ 690,792 $ 692,026 $ 696,011 $ 725,678 Tangible stockholders' equity (1) 9.03% 9.27% 9.36% 9.32% 9.55% Stockholders' equity to assets 8.89% 9.14% 9.23% 9.19% 9.42% Tangible common equity to tangible assets (1) 30,410,582 30,368,655 30,276,358 30,272,110 30,196,755 Common shares outstanding $ 21.45 $ 22.75 $ 22.86 $ 22.99 $ 24.03 Tangible common equity per common share

Non - GAAP Reconciliation: Pro Forma Regulatory Capital 34 Bank (1) Company (1) ($ in thousands) Total Risk - based Tier 1 Common Equity Tier 1 Total Risk - based Tier 1 Common Equity Tier 1 $ 921,905 $ 854,672 $ 854,672 $ 970,961 $ 793,728 $ 771,741 Regulatory capital (55,961) (55,961) (55,961) (55,790) (55,790) (55,790) Unrealized losses on AFS securities $ 865,944 $ 798,711 $ 798,711 $ 915,171 $ 737,938 $ 715,951 Adjusted regulatory capital $ 6,456,120 $ 6,456,120 $ 6,456,120 $ 6,456,129 $ 6,456,129 $ 6,456,129 Risk weighted assets (12,673) (12,673) (12,673) (12,216) (12,216) (12,216) Risk weighted assets impact of unrealized losses on AFS securities $

6,443,447 $ 6,443,447 $ 6,443,447 $ 6,443,913 $ 6,443,913 $ 6,443,913 Adjusted Risk weighted assets 14.28% 13.24% 13.24% 15.04% 12.29% 11.95% Regulatory capital ratio as reported - 0.84% - 0.84% - 0.84% - 0.84% - 0.84% - 0.84% Impact of unrealized losses on AFS securities 13.44% 12.40% 12.40% 14.20% 11.45% 11.11% Pro forma regulatory capital ratio Note: numbers may not add due to rounding (1) Pro forma capital ratios at September 30, 2024

Cover	Oct. 22, 2024
Cover [Abstract]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Oct. 22, 2024
Entity File Number	000-30421
Entity Registrant Name	HANMI FINANCIAL CORPORATION
Entity Central Index Key	0001109242
Entity Tax Identification Number	95-4788120
Entity Incorporation, State or Country Code	DE
Entity Address, Address Line One	900 Wilshire Boulevard, Suite 1250
Entity Address, City or Town	Los Angeles
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	90017
City Area Code	213
Local Phone Number	382-2200
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock, $0.001 par value
Trading Symbol	HAFC
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false

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