Slide 1: 2Q26 Earnings Supplemental Presentation
NASDAQ | HAFC 2Q26 Earnings Supplemental Presentation July 21, 2026 California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington
Slide 2: Table of Contents
2Q26 PERFORMANCE RESULTS 5 – 21 TABLE OF LOAN PORTFOLIO DETAILS 22 – 30 CONTENTS 2Q26 FINANCIAL SUMMARY 31 NON-GAAP RECONCILIATION 32 – 34 2
Slide 3: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS 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, incl
Slide 4: Non-GAAP Financial Information
NON-GAAP FINANCIAL INFORMATION 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, tangible c
Slide 5: 2Q26 Highlights
2Q26 HIGHLIGHTS Earnings Performance • Net income was $23.5 million, or $0.79 per diluted share, up 4.2% from the first quarter, driven by continued growth in net interest income and lower credit loss expense. Return Net Income ROAE on average assets and return on average equity during the quarter w
Slide 6: Loan Production
LOAN PRODUCTION New Production and Weighted Average Interest Rate(1) ($ in millions) Loan production of $371.9 million for the second quarter, which included Commercial Real Estate 7.10% production of $170.1 million. 6.91% 6.90% 6.54% 6.59% $570.8 8% $170.1M $89.2M $25.5M 18% Commercial real estate
Slide 7: Loan Portfolio
LOAN PORTFOLIO Outstanding ($ in millions) 2Q26 Average Yield Commercial Real Estate $6.54 Billion Loan Portfolio $4,022 5.76% (as of June 30, 2026) (CRE)(1,2) Portfolio Residential Real Estate (RRE)(3) Portfolio $979 5.40% Equipment Commercial & Industrial C&I(1,6) Finance (C&I)(1,6) Portfolio $1,1
Slide 8: Deposit Portfolio
DEPOSIT PORTFOLIO Deposits ($ in millions) Total deposits increased 2.3% to $6.96 billion, $6,801 $6,955 from the prior quarter. $6,729 $6,767 $6,678 3% 2% 2% 2% 2% Noninterest-bearing demand deposits represented 30.7% of total 15% deposits at June 30, 2026. Estimated uninsured deposit liabilities w
Slide 9: Net Interest Income | Net Interest Margin
NET INTEREST INCOME | NET INTEREST MARGIN Net Interest Margin Net interest income for the second quarter was $63.9 million and net interest margin (taxable equivalent) was 3.36%. (3) (1) 3.28% (2) 3.38% 3.36% 0.06% 3.22% 3.07% -0.05% -0.03% (3) 3.38% ($ in millions) (1) (2) (3) 3.36% 3.33% $61.1 $62
Slide 10: Net Interest Income Sensitivity
NET INTEREST INCOME SENSITIVITY Loan & Deposit Beta(1) Fed Funds Rate & Rate on CDs 4.50% 4.25% 3.75% Fed 6.00% 6.04% 5.95% 5.90% 5.93% 5.99% 5.95% 6.05% 5.89% 5.91% 5.93% 3.75% 3.75% Funds Rate on Rate(3) Yield for 4.05% 3.97% 3.93% 3.80% 3.67% Loans CDs(2) 5.50% 2Q25 3Q25 4Q25 1Q26 2Q26 Fed Funds
Slide 11: Noninterest Income
NONINTEREST INCOME 2Q26 Service Charges, Fees & Other（$ in millions） Noninterest income for the second quarter was $8.3 million, down 2.2% from the first quarter, primarily $0.9 Service charges on deposit accounts due to a $0.8 million decrease in gain on sale of 14% $2.1 $0.8 31% Trade finance, oth
Slide 12: Noninterest Expense
NONINTEREST EXPENSE Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quarter and annual merit increases. 1.98% 2.00% 1.99% Noninterest expense / 1.89% 1.
Slide 13: Asset Quality – Delinquent & Criticized Loans
ASSET QUALITY – DELINQUENT & CRITICIZED LOANS Criticized Loans(2)（$ in millions） The $19.5 million increase in delinquent loans in the second quarter was primarily driven by a $21.2 1.48% 1.78% 1.74% Criticized million commercial real estate retail loan. loans / 0.74% 0.69% Total loans Delinquent Lo
Slide 14: Asset Quality – Nonperforming Assets & Nonaccrual Loans
ASSET QUALITY – NONPERFORMING ASSETS & NONACCRUAL LOANS Nonperforming assets were $9.9 million at the end of the second quarter, down 20.2% from $12.4 Nonaccrual Loans（$ in millions） million at the end of the first quarter. Nonperforming Assets(1)（$ in millions） (2) Nonperforming $26.0 0.33% 0.27% 0
Slide 15: Asset Quality – Gross & Net Loan Charge-Offs
ASSET QUALITY – GROSS & NET LOAN CHARGE-OFFS Net charge-offs for the second quarter were Net Charge-offs (Recoveries)（$ in millions） $1.3 million, or 8 bps annualized. 0.73% Net Charge-offs / 0.10% 0.16% Gross Charge-offs（$ in millions） -0.03% 0.08% Average loans $12.4 $11.4 (2) (2) $9.0 $9.4 $2.6 $
Slide 16: ACL Trend
ACL TREND The allowance for credit losses was $70.5 million at June 30, 2026, or 1.08% of total loans, unchanged Credit Loss Expense（$ in millions） from the prior quarter. $7.6 Allowance for Credit Losses（$ in millions） 1.06% 1.07% 1.07% 1.08% 1.08% $2.9 $2.1 $1.9 $70.5 $70.5 $1.2 $69.8 $69.9 $66.8
Slide 17: ACL Analysis By Loan Type
ACL ANALYSIS BY LOAN TYPE ($ in millions) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Allowance Loans Allowance Loans Allowance Loans Allowance Loans Allowance Loans CRE $ 37.4 $ 4,022.3 $ 36.8 $ 3,998.1 $ 38.7 $ 4,030.1 $ 40.2 $ 4,015.3 $ 37.5 $ 3,948.9 C&I 8.7 1
Slide 18: Securities Portfolio
SECURITIES PORTFOLIO Available for Sale(1) Unrealized Loss The $962.3 million securities $962 Million $66 Million US Agy portfolio (all AFS, no HTM) represented Municipal 11% 1% US Agy CMO 12% of assets at June 30, 2026, and Municipal US Agy CMO 8% UST 22% US Agy 9% had a weighted average modified 1
Slide 19: Liquidity
LIQUIDITY Cash & Securities at Company-only （$ in millions） The Bank and the Company had ample liquidity Balance resources at June 30, 2026. Cash $ 8 Securities (AFS) 46 $ 54 Liquidity Position（$ in millions） Liquidity Ratios Balance % of Assets Liquid Assets to Total Assets Liquid Assets to Deposit
Slide 20: Capital Management
CAPITAL MANAGEMENT Dividends, Share Repurchases & TCE/TA(1)（$ in millions） Due to prudent capital management, while driving shareholder return through stable quarterly 9.99% 10.11% 10.03% dividends and the share repurchase program, tangible 9.80% 9.58% TCE / TA(1) book value per share (TBVPS)(1) inc
Slide 21: Regulatory Capital
REGULATORY CAPITAL The Company exceeded regulatory minimums and the Bank remained well capitalized at June 30, 2026. Company Bank CET1 CET1 4.50% 2.50% 7.00% 6.50% Capital Capital 12.28% 13.40% 11.61% 12.73% Tier 1 Tier 1 6.00% 2.50% 8.50% 8.00% Capital Capital 12.61% 13.40% 11.94% 12.73% Total Tota
Slide 22: USKC Loans & Deposits
USKC (1) LOANS & DEPOSITS USKC Loans – Top 10 Industries (as of 2Q26) Auto Part Manufacturing USKC portfolio represented $825.9 million, or 13% 29% RE Investment 21% of the loan portfolio, and $1.20 billion, or 17% of Hotel 19% the deposit portfolio, at June 30, 2026. Food 5% Golf Course 4% USKC CRE
Slide 23: Loan Portfolio Maturities
LOAN PORTFOLIO MATURITIES ($ in millions) <1 Year 1-3 Years >3 Years Total Real Estate Loans Retail $ 267.7 $ 399.7 $ 525.8 $ 1,193.2 Hospitality 234.8 268.3 355.5 858.6 Office 208.7 204.7 65.7 479.1 Other 325.3 510.3 642.0 1,477.7 Commercial Property $ 1,036.5 $ 1,383.0 $ 1,589.0 $ 4,008.6 Construc
Slide 24: Loan Portfolio Diversification
LOAN PORTFOLIO DIVERSIFICATION • CRE(1) represents 62% of the total portfolio • C&I(2) represents 18% of the total portfolio. Gas Station Mixed Use Construction 5% 3% 1% Other Multifamily 7% CRE Portfolio(1) 10% C&I Portfolio(2) Other Manufacturing 31% $4,022M Industrial Retail $1,171M 35% 11% 30% O
Slide 25: CRE Portfolio Geographical Exposure
CRE PORTFOLIO GEOGRAPHICAL Multifamily by State $459 Construction by State $14 EXPOSURE Illinois $11 Other $14 3% 3% New York ($ in millions) $84 18% California Other California $268 $7 $7 Texas 58% 50% 50% CRE Composition by State $82 18% $4,022 Illinois Other $109 $658 3% 16% Owner Occupied by Sta
Slide 26: Office Loan Portfolio
OFFICE LOAN PORTFOLIO Portfolio by State The CRE office portfolio(1) was $479.1 million(2) at June 30, 2026, representing 7% of the total loan 6% portfolio. 8% 83% Remaining = 3% $4.1M 2.06x 57.0% Average balance of the portfolio Weighted average debt Weighted average coverage ratio(3) of the loan t
Slide 27: Hospitality Segment
HOSPITALITY SEGMENT The hospitality segment represented $858.6 Hospitality by Type million,(1) or 13% of the total loan portfolio and Convention Center 21% of the total CRE portfolio, at June 30, 2026. Airport 5% 2% Resort 6% (2) $4.6M 2.07x 51.7% Destination / Suburban (3) Metropolitan (3) Average
Slide 28: Retail Segment
RETAIL SEGMENT The retail segment represented $1.20 billion,(1) or Percentage of Portfolio 18% of the total loan portfolio, and 30% of the total CRE portfolio, at June 30, 2026. Illinois 2% Other Georgia 14% 3% (2) Texas California $1.6M 2.00x 45.64% 12% 69% Average balance of the (3) Weighted avera
Slide 29: Residential Real Estate Portfolio
RESIDENTIAL REAL ESTATE PORTFOLIO The RRE(1) portfolio was $978.9 million at June 30, Percentage of Portfolio 2026, representing 15% of the total loan portfolio. Jumbo QM Non-QM 2% (2) Our conservative underwriting policy focuses on high-quality mortgage originations with maximum Loan-to-Value (LTV)
Slide 30: Equipment Finance Portfolio
EQUIPMENT FINANCE PORTFOLIO Portfolio by Equipment 32% 27% The equipment finance portfolio represented $362.8 million, or 5% of the loan portfolio, at June 30, 2026. 8% 6% 6% 5% 4% 4% 4% 4% Portfolio by Industry Other Services (1) 4% Other Transportation Portfolio by State 13% Wholesale Trade 18% 4%
Slide 31: 2Q26 Financial Summary
2Q26 FINANCIAL SUMMARY Change (1) ($ in millions, except EPS) June 30, 2026 March 31, 2026 June 30, 2025 Q/Q Y/Y Income Statement Summary Net interest income before credit loss $ 63.9 $ 63.2 $ 57.1 1.0% 11.8% Noninterest income 8.3 8.5 8.1 -2.2% 3.4% Operating revenue 72.2 71.7 65.2 0.6% 10.7% Nonin
Slide 32: Tangible Common Equity To Tangible Asset Ratio
NON-GAAP RECONCILIATION: TANGIBLE COMMON EQUITY TO TANGIBLE ASSET RATIO (In thousands, except share, per share data and ratios) June 30, March 31, December 31, September 30, June 30, Hanmi Financial Corporation 2026 2026 2025 2025 2025 Assets $ 8,001,473 $ 7,839,227 $ 7,869,185 $ 7,856,731 $ 7,862,3
Slide 33: Pro Forma Regulatory Capital
NON-GAAP RECONCILIATION: PRO FORMA REGULATORY CAPITAL ($ in thousands) Company(1) Bank(1) Common Total Common Total Equity Tier 1 Tier 1 Risk-based Equity Tier 1 Tier 1 Risk-based Regulatory capital $ 836,297 $ 858,231 $ 1,041,195 $ 912,635 $ 912,635 $ 985,599 Unrealized loss on AFS securities (46,5
Slide 34: Preprovision Net Revenue
NON-GAAP RECONCILIATION: P R E P R O V I S IO N N E T R E V E N U E (In thousands) Percentage Change June 30, March 31, December 31, September 30, June 30, Q2-26 Q2-26 Hanmi Financial Corporation 2026 2026 2025 2025 2025 vs. Q1-26 vs. Q2-25 Net income $ 23,505 $ 22,557 $ 21,239 $ 22,061 $ 15,117 Add