BlastPoint's Banking Scorecard
Hanmi Bank
Designations: ✓ Minority Depository Institution
Los Angeles, CA
34 branches across CA · TX · IL · NY · GA · NJ · VA
Hanmi Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.74% below tier average
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26.7% in tier
- - ROA 0.11% below tier average
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.8B
+1.4% YoY
-0.4% QoQ
|
+$5.0B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 4.9% in tier |
| Total Loans ? |
$6.5B
+4.1% YoY
-0.3% QoQ
|
+$4.5B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 2.6% in tier |
| Total Deposits ? |
$6.8B
+2.7% YoY
+1.7% QoQ
|
+$4.5B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 4.1% in tier |
| Return on Assets ? |
1.25%
+22.0% YoY
+15.3% QoQ
|
-0.11% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.44%
+12.1% YoY
+6.0% QoQ
|
-0.38% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
51.32%
-2.0% YoY
-0.6% QoQ
|
-9.74% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
0.19%
-66.5% YoY
-31.2% QoQ
|
-0.70% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
95.27%
+1.4% YoY
-2.0% QoQ
|
+11.06% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
27.80%
-5.8% YoY
-1.8% QoQ
|
+6.51% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.16%
-65.7% YoY
-37.9% QoQ
|
-0.51% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.37%
+0.2% YoY
+1.5% QoQ
|
-1.79% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.12%
+18.8% YoY
-72.9% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.