Financial Performance - Net income available to common shareholders was $2.5 million, resulting in diluted earnings per share of $0.26 in 2Q25[12, 13] - Net interest income increased by $0.4 million, a 2.3% increase, from $17.5 million in 1Q25 to $17.9 million in 2Q25[10, 43] - Total assets under management increased by $320 million, a 4.5% increase, during the quarter to $7.50 billion[34] Loan Portfolio - Total loans held for investment increased by $114.4 million from the prior quarter due to strong loan production[24] - New loan production in 2Q25 reached $166.9 million, with a focus on relationship-based lending[24] - Total loans reached $2.57 billion[18] Deposits - Total deposits increased by 0.4% from $2.52 billion in 1Q25 to $2.53 billion in 2Q25[29] - Noninterest-bearing deposits decreased by 11.7% from $410 million in 1Q25 to $362 million in 2Q25, primarily due to seasonal outflows[29] Expenses and Efficiency - Non-interest expense decreased to $19.1 million from $19.4 million in 1Q25, driven by a decrease in salaries and employee benefits expense[53] - The efficiency ratio improved from 79.16% in 1Q25 to 78.83% in 2Q25[53] Asset Quality - ACL/Total Loans increased from 0.74% in 1Q25 to 0.75% in 2Q25[57]

NASDAQ | HAFC 2Q 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 July 22, 2025 California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington | | 2Q25 PERFORMANCE RESULTS | 5 – | 21 | | --- | --- | --- | --- | | TABLE OF | LOAN PORTFOLIO DETAILS | 22 – | 31 | | CONTENTS | 2Q25 FINANCIAL SUMMARY | 32 – | 32 | | | NON-GAAP RECONCILIATION | 33 – | 34 | 2 FORWARD-LOOKING STATEMENTS Hanmi Financial Corporation (the "Company") cautions investors that any sta ...

Company Overview - Five Star Bancorp's asset size reached $4245 million as of March 31, 2025 [20] - Loans held for investment (HFI) totaled $3600 million [20] - Total deposits amounted to $3700 million [20] Financial Highlights - Loans held for investment increased by $891 million since December 31, 2024 [29] - Non-wholesale deposits increased by $484 million since December 31, 2024 [29] - Non-interest-bearing deposits comprised 2499% of total deposits [29] - Insured and collateralized deposits represented 6755% of total deposits [29] - Cash and cash equivalents were $4526 million, representing 1211% of total deposits [29] Loan Portfolio - Commercial real estate loans accounted for 8111% of the loan portfolio [36] - Manufactured home community loans within CRE totaled $918864 thousand, representing 3124% of CRE loans [37] - RV Park loans within CRE totaled $378525 thousand, representing 1287% of CRE loans [37] Financial Performance - Net income for the three months ended March 31, 2025, was $13111 thousand [77] - Return on average assets (ROAA) was 130% [77] - Net interest margin was 345% [77]