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Hanmi Bank

$1B-$10B Specialty: Commercial CA FDIC cert 24170

Designations: ✓ Minority Depository Institution

Los Angeles, CA

34 branches across CA · TX · IL · NY · GA · NJ · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +3.4% year over year ($7.0B on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.28%.
  • Efficiency ratio 51.12% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.08% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Hanmi Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 8.61% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 16.6% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.43% below tier average
Get updates when Hanmi Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $8.0B
+1.7% YoY +2.1% QoQ
+$5.2B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 4.3% in tier
Total Loans ? $6.5B
+3.1% YoY +0.0% QoQ
+$4.5B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 2.5% in tier
Total Deposits ? $7.0B
+3.4% YoY +2.4% QoQ
+$4.6B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 3.4% in tier
Return on Assets ? 1.28%
+33.7% YoY +2.0% QoQ
-0.11% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 3.44%
+10.7% YoY -0.1% QoQ
-0.43% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 51.12%
-2.7% YoY -0.4% QoQ
-8.61% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 0.15%
-62.9% YoY -20.1% QoQ
-0.71% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 93.08%
-0.3% YoY -2.3% QoQ
+8.04% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 28.33%
-3.4% YoY +1.9% QoQ
+7.06% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.12%
-62.4% YoY -21.7% QoQ
-0.55% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 13.40%
+0.6% YoY +0.3% QoQ
-1.44% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.23%
+6.3% YoY +86.1% QoQ
-0.30% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 28.3%
-1.0pp YoY
+0.5pp QoQ
 +7.0pp 21.4% 25.5% 22.2% 80%
Brokered Deposits 1.2%
0.0pp YoY
-0.1pp QoQ
 -8.2pp 9.5% 11.0% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 19.9%
-0.2pp YoY
0.0pp QoQ
 +5.9pp 14.0% 11.8% 12.5% 80%
CRE 61.6%
-0.5pp YoY
+0.6pp QoQ
 +11.6pp 50.0% 67.5% 41.4% 78%
1-4 Family 15.5%
-1.3pp YoY
-0.3pp QoQ
 -10.9pp 26.4% 16.5% 31.3% 32%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 5.3% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 13.4%
+0.1pp YoY
0.0pp QoQ
 -2.2pp 15.6% 23.7% 19.7% 48%
Leverage Ratio 11.7%
+0.3pp YoY
0.0pp QoQ
 +0.4pp 11.3% 14.5% 12.6% 73%
Total Capital Ratio 14.5%
+0.1pp YoY
0.0pp QoQ
 -2.2pp 16.7% 25.1% 20.8% 46%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 609
+12 (+2.0%) YoY
-2 (-0.3%) QoQ
 +295 313 337 482 90%
Assets per Employee ($) $13.1M
-0.3% YoY
+2.4% QoQ
 +$2.6M $10.5M $11.3M $8.8M 84%
Branch Count 34
0 YoY
0 QoQ
 +14 20 15 18 85%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.2%
-0.3pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.4% 1.0% 17%
Allowance Coverage 7.10x
+176.1% YoY
+25.1% QoQ
 -11.61x 18.71x 17.11x 20.23x 83%
Net Charge-off Rate (YTD) 0.1%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.3% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 11.4%
+2.5pp YoY
+0.2pp QoQ
 -1.2pp 12.6% 8.2% 11.6% 44%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.9% 1.7% 58%
Net Income ($, YTD) $50.1M
+36.1% YoY
— QoQ
 +$30.9M $19.2M $28.5M $40.4M 93%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#61 of 361 • Bottom 16.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.08%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

23
Total Loans
size
Value: $6.48B
Peer Median: $1.96B
#23 of 885 Top 2.5% in $1B-$10B
31
Total Deposits
size
Value: $6.96B
Peer Median: $2.32B
#31 of 885 Top 3.4% in $1B-$10B
39
Total Assets
size
Value: $7.95B
Peer Median: $2.79B
#39 of 885 Top 4.3% in $1B-$10B
157
Delinquency Rate
credit_quality
Value: 0.15%
Peer Median: 0.87%
#157 of 882 Top 17.7% in $1B-$10B
162
Nonperforming Asset Ratio
credit_quality
Value: 0.12%
Peer Median: 0.67%
#162 of 885 Top 18.2% in $1B-$10B
172
Non-Interest-Bearing Deposit Share
funding
Value: 28.33%
Peer Median: 21.27%
#172 of 885 Top 19.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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