Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

June 30, 2026

Total capital (to risk-weighted assets):

Hanmi Financial

$

1,041,195

15.29

%

$

544,652

8.00

%

N/A

N/A

Hanmi Bank

$

958,599

14.48

%

$

544,687

8.00

%

$

680,858

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

858,231

12.61

%

$

408,489

6.00

%

N/A

N/A

Hanmi Bank

$

912,635

13.40

%

$

408,515

6.00

%

$

544,687

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

836,297

12.28

%

$

306,367

4.50

%

N/A

N/A

Hanmi Bank

$

912,635

13.40

%

$

306,386

4.50

%

$

442,558

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

858,231

10.94

%

$

313,741

4.00

%

N/A

N/A

Hanmi Bank

$

912,635

11.71

%

$

311,803

4.00

%

$

389,754

5.00

%

December 31, 2025

Total capital (to risk-weighted assets):

Hanmi Financial

$

1,020,898

15.06

%

$

542,150

8.00

%

N/A

N/A

Hanmi Bank

$

965,543

14.25

%

$

542,197

8.00

%

$

677,747

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

838,150

12.37

%

$

406,612

6.00

%

N/A

N/A

Hanmi Bank

$

892,795

13.17

%

$

406,648

6.00

%

$

542,197

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

816,424

12.05

%

$

304,959

4.50

%

N/A

N/A

Hanmi Bank

$

892,795

13.17

%

$

304,986

4.50

%

$

440,535

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

838,150

10.70

%

$

313,270

4.00

%

N/A

N/A

Hanmi Bank

$

892,795

11.47

%

$

311,425

4.00

%

$

389,281

5.00

%