NASDAQ | HAFC 4 Q 2 5 E a r n i n g s S u p p l e m e n t a l P r e s e n t a t i o n January 27, 2026 California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington | | 4Q25 PERFORMANCE RESULTS | 5 – | 21 | | --- | --- | --- | --- | | TABLE OF | LOAN PORTFOLIO DETAILS | 22 – | 31 | | CONTENTS | | | | | | 4Q25 FINANCIAL SUMMARY | 32 – | 32 | | | NON-GAAP RECONCILIATION | 33 – | 34 | 2 FORWARD-LOOKING STATEMENTS Hanmi Financial Corporation (the "Company") cautions investor ...

Financial Performance - Net income for the second quarter was $15.1 million, a decrease of 14.5% compared to the previous quarter, primarily due to credit loss expense[8, 33] - Preprovision net revenues increased by 3.7%, or $1 million, driven by a 3.7% increase in net interest income and a 4.5% increase in noninterest income[9] - Net interest margin was 3.07%, up from 3.02% in the first quarter[8, 24] - Noninterest expense increased by 4% to $36.3 million, mainly due to a $1.1 million increase in salaries and benefits[43] Loan and Deposit Portfolio - Loan receivables reached $6.31 billion, a slight increase of 0.4% from the end of the first quarter[9] - Deposits totaled $6.73 billion, up 1.7% from the previous quarter, with noninterest-bearing deposits accounting for 31.3% of total deposits[9, 19] - Loan production for the second quarter was $329.6 million, with a weighted average interest rate of 7.10%[9] - The securities portfolio was $994.6 million, representing 13% of assets, with an unrealized loss position of $76.5 million[71] Asset Quality and Capital - Criticized loans decreased significantly by 71.8% to 0.74% of total loans, reflecting $85.3 million in loan upgrades, a $20 million loan payment, and an $8.6 million loan charge-off[9] - Nonaccrual loans fell by 26.8% to 0.41% of total loans, and loan delinquencies declined to 0.17% of total loans[9] - The ratio of tangible common equity to tangible assets was 9.58%, and the common equity tier 1 capital ratio was 12.12%, remaining essentially unchanged from the first quarter[9]