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California | Colorado | Georgia | Illinois | New Jersey | New York | Texas | Virginia | Washington 2 Q 2 6 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 21, 2026 NASDAQ | HAFC
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2 TABLE OF CONTENTS 2Q26 PERFORMANCE RESULTS LOAN PORTFOLIO DETAILS 2Q26 FINANCIAL SUMMARY NON-GAAP RECONCILIATION 5 – 21 22 – 30 31 32 – 34
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3 FORW ARD-LOOKING S TATE ME NTS 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, including, but not limited to, those statements regarding operating performance, financial position, financial results and liquidity, business strategies, regulatory, economic and competitive outlook, investment and expenditure plans, capital and financing needs and availability, litigation, plans and objectives, merger or sale activity, and all other forecasts and statements of expectation or assumption underlying any of the foregoing. These statements involve known and unknown risks and uncertainties that are difficult to predict. Investors should not rely on any forward-looking statement and should consider risks, such as a failure to maintain adequate levels of capital and liquidity to support our operations, general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions, volatility and deterioration in the credit and equity markets, changes in investor sentiment or consumer spending, borrowing and savings habits, availability of capital from private and government sources, demographic changes, competition for loans and deposits and failure to attract or retain loans and deposits, inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding, our ability to enter new markets successfully and capitalize on growth opportunities, the current or anticipated impact of military conflict, terrorism, or other geopolitical events, the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams, risks of natural disasters, legal proceedings and litigation brought against us, risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors, the failure to maintain current technologies, risks associated with Small Business Administration loans, failure to attract, develop, or retain key employees, our ability to access cost-effective funding, the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy, the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty, changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio, fluctuations in real estate values, changes in accounting policies and practices, changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests, strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make, the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses, our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses, changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements, our ability to control expenses, the inability of third-party service providers to perform their obligations to us, and the ability of the Company to withstand disruptions that may be caused by ay failure of the operational systems of third parties. Forward-looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated July 21, 2026, including the section titled “Forward Looking Statements” and the Company’s most recent Form 10-K, 10-Q and other filings with the Securities and Exchange Commission. The Company disclaims any obligation to update or revise the forward-looking statements herein.
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4 NON-G AAP FINANCIAL INFORMAT ION 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 common equity per share (including without the impact of available for sale securities on the accumulated other comprehensive income) and pro forma regulatory capital. Management uses these “non-GAAP” measures in its analysis of the Company’s performance. Management believes these non-GAAP financial measures allow for better comparability of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation of the non-GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation.
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5 Net Income $23.5M Diluted EPS $0.79 ROAA 1.20% ROAE 11.09% NIM 3.36% Efficiency Ratio 54.07% 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 on average assets and return on average equity during the quarter were healthy at 1.20% and 11.09%, respectively. •Net interest income increased 1.0% from the prior quarter, driven by higher earning asset yields from the growth in commercial real estate and commercial and industrial lending. The increase was further supported by an improved funding mix, including lower-cost interest-bearing deposits and reduced borrowings. Deposits and Loans •Deposits increased 2.3% to $7.0 billion from the prior quarter and noninterest-bearing demand deposits increased to 31% of total deposits, from 30% for the prior quarter. •New loan production was $371.9 million for the second quarter of 2026 at an average rate of 6.59%, while payoffs were $156.4 million at an average rate of 6.39%. Asset Quality and Capital •Asset quality remained strong as nonperforming assets to total assets was 0.12%, an improvement of four basis points from the prior quarter, and nonperforming loans to total loans was 0.15%, also an improvement of four basis points from the prior quarter. •Hanmi returned 58% of second-quarter net earnings to shareholders in the form of $8.3 million in dividends and $5.2 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets(1) at 10.03%. 2Q26 HIG HLIG HT S (1) Non-GAAP financial measure; refer to the non-GAAP reconciliation slide.
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LOAN PRODUCTION 6 Loan production of $371.9 million for the second quarter, which included Commercial Real Estate production of $170.1 million. (1) Weighted average interest rate is the stated loan interest rate weighted by the loan amount. (2) Production includes mortgage loan purchases of $10.3 million, $3.0 million, $3.4 million, and $12.3 million for 2Q25, 3Q25, 4Q25, and 2Q26, respectively. (3) $46.8 million, $44.9 million, $44.1 million, $40.7 million, and $37.1 million of SBA loan production includes $23.3 million, $20.6 million, $22.3 million, $23.9 million, and $20.2 million of loans secured by CRE and the remainder represents C&I loans for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. $170.1M Commercial real estate loan production $89.2M Commercial and industrial loan production $25.5M Equipment finance production $50.0M Residential mortgage production $37.1M SBA loan production 34% 31% 34% 35% 46% 16% 37% 21% 35% 24% 10% 6% 14% 11% 7% 26% 18% 19% 8% 13%14% 8% 12% 11% 10%$329.6 $570.8 $374.8 $377.9 $371.9 7.10% 6.91% 6.90% 6.54% 6.59% 2Q25 3Q25 4Q25 1Q26 2Q26 CRE C&I Equipment Finance RRE SBA New Production and Weighted Average Interest Rate (1) ($ in millions) (3)(2)
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CRE Investor (non-owner) 41% CRE Owner Occupied 13% CRE Multifamily 7% CRE Construction 1% RRE 15% C&I 18% Equipment Finance 5% (2) (2,5) (1, 2) (1, 2) (3) (1,6) $6.54 Billion Loan Portfolio (as of June 30, 2026) LOAN PORTFOLIO 7 Note: Numbers may not add due to rounding. (1) Includes syndicated loans of $572.1 million in total commitments ($474.6 million disbursed) across C&I ($471.3 million committed and $389.0 million disbursed) and CRE ($100.8 million committed and $85.6 million disbursed) (2) CRE is a combination of Investor (non-owner), Owner Occupied, Multifamily, and Construction. Investor (or non-owner occupied) property is where the investor (borrower) does not occupy the property. The primary source of repayment stems from the rental income associated with the respective properties. Owner Occupied property is where the borrower owns and occupies the property. The primary source of repayment is the cash flows from the ongoing operations and activities conducted by the borrower/owner. Multifamily real estate is a residential property that has 5 or more housing units. (3) Residential real estate is a loan (mortgage) secured by a single-family residence, including one to four units (duplexes, triplexes, and fourplexes). RRE also includes $0.8 million of HELOCs and $5.0 million in consumer loans. (4) Weighted average LTV and weighted average DCR calculated when the loan was first underwritten or renewed subsequently. (5) $84.0 million, or 18.3%, of the CRE multifamily loans are rent-controlled in New York City. (6) Includes $234.2 million of loans to nondepository financial institutions (NDFI), principally mortgage credit intermediaries. Outstanding ($ in millions) 2Q26 Average Yield Commercial Real Estate (CRE)(1,2) Portfolio $4,022 5.76% Residential Real Estate (RRE)(3) Portfolio $979 5.40% Commercial & Industrial (C&I)(1,6) Portfolio $1,171 6.57% Equipment Finance Portfolio $363 6.80% # of Loans Weighted Average Loan-to-Value Ratio(4) Weighted Average Debt Coverage Ratio(4) CRE(2) Investor (non-owner) 834 48.7% 2.05x CRE(2) Owner Occupied 734 46.3% 2.68x CRE(2,5) Multifamily 159 55.8% 1.73x
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$4,625 $4,704 $4,714 $4,661 $4,784 3.64% 3.56% 3.36% 3.20% 3.17% 2Q25 3Q25 4Q25 1Q26 2Q26 Rate on Interest-Bearing Deposits Average Interest-bearing Deposits DE POS IT PORTFOLIO Total deposits increased 2.3% to $6.96 billion, from the prior quarter. Noninterest-bearing demand deposits represented 30.7% of total deposits at June 30, 2026. Estimated uninsured deposit liabilities were 43.4% of the deposits. Brokered deposits were low at 1.3% of the deposits. Note: Numbers may not add due to rounding. Deposits 8 ($ in millions) ($ in millions) 31% 31% 30% 30% 31% 1% 1% 1% 1% 1% 31% 31% 31% 31% 30% 1% 1% 1% 1% 1% 19% 19% 20% 20% 19% 15% 15% 15% 15% 15% 2% 2% 2% 2% 3%$6,729 $6,767 $6,678 $6,801 $6,955 2Q25 3Q25 4Q25 1Q26 2Q26 State of California time deposits Time > $250K Time <= $250K Brokered time deposits Money Market & Savings Demand Interest-bearing Demand Noninterest-bearing
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9 $57.1 $61.1 $62.9 $63.2 $63.9 3.07% 3.22% 3.28% 3.38% 3.36% 2Q25 3Q25 4Q25 1Q26 2Q26 Net Interest Income NIM NET INTE RE S T INCOME | NET INTERE S T MARG IN ($ in millions) 3.38% 3.33% 3.30% 3.30% 3.36% 0.06% -0.05% -0.03% 1Q26 Loans IB-deposits Borrowings/ Debt 2Q26 Increase Decrease Net interest income for the second quarter was $63.9 million and net interest margin (taxable equivalent) was 3.36%. Net Interest Margin (1) Includes a $0.6 million interest recovery from a previously charged-off loan; represents approximately 3 bps of net interest margin (2) Includes a $0.2 million interest recovery from a previously charged-off loan and loans returned to accruing status; represents approximately 2 bps of net interest margin (3) Includes a $0.5 million special FHLB dividend; represents approximately 2 bps of net interest margin (1) (1) (2) (2) (3) (3) (3)
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10 6.00% 6.04% 5.95% 5.90% 5.93% 5.99% 5.95% 6.05% 5.89% 5.91% 5.93% 4.28% 4.29% 4.22% 3.83% 3.67% 3.60% 3.58% 3.50% 3.27% 3.18% 3.17% 5.50% 4.50% 4.50% 4.25% 3.75% 3.75% Jun-24 Aug-24 Sep-24 Dec-24 Mar-25 Jun-25 Aug-25 Sep-25 Dec-25 Mar-26 Jun-26 NET INTE RE S T INCOME S ENS IT IVITY $90.0 $104.0 $1.8 $16.0 $893.5 $735.8 $454.8 $297.3 $983.5 $839.8 $456.6 $313.3 3.70% 3.68% 3.59% 3.61% 3Q26 4Q26 1Q27 2Q27 Wholesale Retail 4.50% 4.25% 3.75% 3.75% 3.75% 4.05% 3.97% 3.93% 3.80% 3.67% 2Q25 3Q25 4Q25 1Q26 2Q26 Fed Funds Rate(3) Rate on CDs(4) Numbers may not add due to rounding. (1) Yield for loans and rate on interest-bearing deposits represent monthly average yield and rate, respectively. Fed funds rate represents the upper target rate at the end of the month. Beta is measured monthly between August 2024, when the fed funds rate was 5.50%, and August 2025, when the fed funds rate was 4.50%, and between August 2025, when the fed funds rate was 4.50%, and June 2026, when the fed funds rate was 3.75%. (2) Average rates on CDs and interest bearing-deposits for the month of June 2026 were 3.64% and 3.17%, respectively. (3) Fed funds rate represents the upper-target rate at the end of the quarter. (4) Represent weighted average contractual rates. Fed Funds Rate Yield for Loans Rate on Interest- bearing deposits Loan & Deposit Beta(1) Fed Funds Rate & Rate on CDs Rate on CDs(2) Deposits – CD Maturities （$ in millions） Time Horizon: Change in the Fed Funds Rate: Deposit Beta: Aug 24 – Aug 25 -100 bps 71% Aug 25 – Jun 26 -75 bps 55%
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11 $2.1 31% $1.9 28% $1.0 15% $0.8 12% $0.9 14% Service charges on deposit accounts Trade finance, other service charges, and fees Servicing income Bank-owned life insurance All other operating income NONINTE RE S T INCOME $46.8 $44.9 $44.1 $40.7 $37.1 $35.4 $32.6 $29.9 $32.5 $20.9 7.61% 6.95% 7.40% 7.88% 7.92% 2Q25 3Q25 4Q25 1Q26 2Q26 SBA Production SBA Loan Sales SBA Trade Premium $5.9 $6.8 $5.9 $5.9 $6.7 $2.2 $1.9 $1.8 $2.1 $1.3 $1.2 $0.6 $0.5 $0.3 $8.1 $9.9 $8.3 $8.5 $8.3 2Q25 3Q25 4Q25 1Q26 2Q26 Service charges, fees & other Gain on sale of SBA loans Gain of sale of mortgage loans Numbers may not add due to rounding. (1) Includes $0.4 million, $0.9 million, $0.3 million, and $0.5 million in BOLI death benefits for 2Q25, 3Q25, 1Q26, and 2Q26, respectively. (2) 4Q25, 1Q26, and 2Q26 each had one mortgage loan sale transaction. 2Q25 and 3Q25 had zero and two transactions, respectively. Noninterest income for the second quarter was $8.3 million, down 2.2% from the first quarter, primarily due to a $0.8 million decrease in gain on sale of SBA loans. Noninterest Income（$ in millions） 2Q26 Service Charges, Fees & Other（$ in millions） SBA 7(a) Loan Production and Sales （$ in millions） (1) (1) (2) (1) (1)
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NONINTE RE S T E XPE NS E 12 (1) Includes a $0.6 million and $0.8 million gain from the sale of OREO properties in 2Q25 and 1Q26, respectively. 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. $22.1 $22.2 $22.5 $22.0 $22.8 $4.3 $4.5 $4.3 $4.4 $4.4 $3.7 $3.9 $4.1 $4.4 $4.6 $1.7 $2.0 $2.3 $2.8 $2.0 $4.5 $4.8 $5.9 $4.8 $5.2 $36.3 $37.4 $39.1 $38.4 $39.0 1.89% 1.90% 1.98% 2.00% 1.99% 2Q25 3Q25 4Q25 1Q26 2Q26 Salaries and employee benefits Occupancy and equipment Data Processing Professional Fees All other expenses Noninterest expense / Average assets (annualized) ($ in millions) (1) (1)
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13 $7.4 $4.6 $5.2 $4.4 $4.1 $3.5 $7.0 $12.4 $8.9 $28.7 $10.9 $11.6 $17.6 $13.3 $32.8 0.17% 0.18% 0.27% 0.20% 0.50% 2Q25 3Q25 4Q25 1Q26 2Q26 Equipment Finance Delinquent Loans All Other Delinquent Loans AS S E T QUALITY – DE LINQUE NT & CRITICIZED LOANS Delinquent loans / Total loans $33.9 $28.6 $25.9 $22.7 $45.7 $12.7 $16.8 $71.1 $93.7 $68.2 $46.6 $45.4 $97.0 $116.4 $113.9 0.74% 0.69% 1.48% 1.78% 1.74% 2Q25 3Q25 4Q25 1Q26 2Q26 Classified Special Mention (3) Criticized loans / Total loans Note: Numbers may not add due to rounding. (1) Represents loans 30 to 89 days past due and still accruing. (2) Includes nonaccrual loans of $24.1 million, $19.4 million, $18.1 million, $12.4 million, and $9.9 million as of 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (3) Includes a CRE loan designated nonaccrual of $11.0 million, $10.6 million and $10.2 million for 2Q25 and 3Q25, and 4Q25, respectively. (4) Includes a C&I relationship in the retail industry of $12.2 million, $11.8 million, $11.6 million, $11.4 million, and $11.2 million for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (5) Includes a CRE loan of $55.0 million, $54.8 million, and $54.5 million in the hospitality industry for 4Q25, 1Q26, and 2Q26, respectively. (6) Includes a CRE loan in the retail industry of $21.2 million for both 1Q26 and 2Q26. (3) (3) The $19.5 million increase in delinquent loans in the second quarter was primarily driven by a $21.2 million commercial real estate retail loan. Delinquent Loans(1)（$ in millions） Criticized Loans(2)（$ in millions） (3) (4) (3) (4) (4,5) (6) (4, 5, 6) (4, 5) (6)
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14 Nonperforming assets were $9.9 million at the end of the second quarter, down 20.2% from $12.4 million at the end of the first quarter. $26.0 $19.4 $18.1 $12.4 $9.9 $2.0 $2.0 $26.0 $21.4 $20.1 $12.4 $9.9 0.33% 0.27% 0.26% 0.16% 0.12% 2Q25 3Q25 4Q25 1Q26 2Q26 Nonperforming loans OREO A S S E T Q U A L I T Y – N O N P E R F O R M I N G A S S E T S & N O N A C C R U A L L O A N S (1) Nonperforming assets exclude repossessed personal property of $0.6 million, $0.4 million, $0.6 million, $0.3 million, and $0.3 million for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26, respectively. (2) Specific allowance for credit losses for 2Q25, 3Q25, 4Q25, 1Q26, and 2Q26 was $4.1 million, $4.4 million, $3.4 million, $3.2 million, and $2.6 million, respectively. (3) Residential real estate includes consumer loans. (4) Represents a CRE loan with a balance of $10.2 million, $0.3 million, and $0.3 million at 4Q25, 1Q26, and 2Q26, respectively. Note: Numbers may not add due to rounding. $7.0 $6.8 $5.1 $4.7 $4.2 $4.0 $0.3 $1.1 $2.0 $3.2 $4.0 $1.7 $1.7 $2.5 $2.5 $11.0 $10.6 $10.2 $3.2 $26.0 $19.4 $18.1 $12.4 $9.9 2Q25 3Q25 4Q25 1Q26 2Q26 Equipment Finance Residential Real Estate All other CRE and C&I < $3M All other CRE and C&I >= $3M (2) (3) (2) (2) (2) (2) Nonperforming Assets(1)（$ in millions） Nonaccrual Loans（$ in millions） (4) Nonperforming assets / Total assets
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15 $3.0 $2.4 $2.0 $3.0 $1.6 $9.4 $0.2 $0.9 $0.2 $0.3 $12.4 $2.6 $2.9 $3.2 $1.9 2Q25 3Q25 4Q25 1Q26 2Q26 Equipment Finance Charge-offs All Other Loan Charge-offs AS S E T QUALITY – G ROS S & NE T LOAN CHARGE -OFFS $2.3 $1.6 $1.4 $2.4 $1.0 $9.0 ($2.1) $0.2 $0.2 $0.3 $11.4 ($0.5) $1.6 $2.6 $1.3 0.73% -0.03% 0.10% 0.16% 0.08% 2Q25 3Q25 4Q25 1Q26 2Q26 Equipment Finance Net Charge-offs All Other Net Charge-offs Note: Numbers may not add due to rounding. Net charge-offs for the second quarter were $1.3 million, or 8 bps annualized. Gross Charge-offs（$ in millions） Net Charge-offs (Recoveries)（$ in millions） (2) (1) Includes a $2.0 million recovery on a loan previously charged-off in 3Q25. (2) Includes an $8.6 million commercial real estate loan charge-off. Net Charge-offs / Average loans (1) (1) (2)
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16 $66.8 $69.8 $69.9 $70.5 $70.5 1.06% 1.07% 1.07% 1.08% 1.08% 2Q25 3Q25 4Q25 1Q26 2Q26 Allowance for credit losses ACL to Loans $7.6 $2.1 $1.9 $2.9 $1.2 2Q25 3Q25 4Q25 1Q26 2Q26 Credit loss expense The allowance for credit losses was $70.5 million at June 30, 2026, or 1.08% of total loans, unchanged from the prior quarter. Allowance for Credit Losses（$ in millions） Credit Loss Expense（$ in millions） AC L TRE ND
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17 AC L ANALYS IS BY LOAN TY PE Note: Numbers may not add due to rounding. ($ in millions) 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 1,171.3 8.8 1,152.6 7.8 1,074.9 7.3 1,052.5 6.9 918.0 Equipment Finance 12.7 362.8 11.6 392.6 10.4 408.5 11.0 416.9 11.8 445.2 RRE & Consumer 11.7 978.9 13.3 1,002.2 13.0 1,049.9 11.3 1,043.6 10.6 993.9 Total 70.5$ 6,535.3$ 70.5$ 6,545.5$ 69.9$ 6,563.4$ 69.8$ 6,528.3$ 66.8$ 6,306.0$ June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025
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18 15 Year 64% 20 Year 19% 30 Year 17% S E CURITIE S PORTFOLIO $233 $303 $220 $138 $29 $29 $22 $15 $262 $332 $242 $153 2025 Actual 2026 2027 2028 Principal Interest US Agy 1% US Agy MBS - Residential 61% US Agy MBS - Commercial 18% US Agy CMO 9% Municipal 11% UST 22% US Agy 4% US Agy MBS - Residential 41% US Agy MBS - Commercial 8% US Agy CMO 17% Municipal 8% $962 Million < 1 Year 21% 1 to 3 Year 25% 3 to 5 Years 33% > 5 Years 21% 3.5 Years$387 Million $66 Million Note: Numbers may not add due to rounding. (1) Based on the book value. (2) 98.0% constitutes CRA bonds. (3) 2026 year-to-date observed $158.9 million of principal paydown and $14.6 million of interest payments. (2) The $962.3 million securities portfolio (all AFS, no HTM) represented 12% of assets at June 30, 2026, and had a weighted average modified duration of 3.5 years with $65.6 million in an unrealized loss position. Principal Paydowns(3)（$ in millions） Available for Sale(1) Unrealized Loss US Agy Residential MBS Maturity Securities Duration (3)
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19 LIQUIDITY (1) Rate at June 30, 2026, based on 3-month SOFR + 166 bps. (2) Issued in August 2021 and due in September 2031. The interest rate is fixed at 3.75% for 5 years. The rate resets quarterly commencing September 1, 2026 to the 3-month SOFR + 310 bps. 16.3% 13.5% 13.5% 13.4% 15.1% 18.9% 15.6% 15.8% 15.4% 17.0% 18.3% 15.2% 15.2% 15.1% 17.2% 1.3% 1.3% 1.3% 1.3% 1.2% 2Q25 3Q25 4Q25 1Q26 2Q26 Liquid Assets to Total Assets Liquid Assets to Deposits Liquid Assets to Total Liabilities Brokered Deposits to Deposits Liquidity Position（$ in millions） Cash & Securities at Company-only （$ in millions） Company-only Subordinated Debentures （$ in millions） Liquidity Ratios Balance % of Assets Cash & cash equivalents $ 331 4.2% Securities (unpledged) 850 10.7% Loans held for sale 17 0.2% Liquid Assets 1,198 15.1% FHLB available borrowing capacity 1,441 18.1% FRB discount window borrowing capacity 858 10.8% Federal funds lines (unsecured) available 140 1.8% Secondary Liquidity Sources 2,439 30.7% Bank Liquidity (Liquid Assets + Secondary Liquidity) $ 3,637 45.7% Balance Cash $ 8 Securities (AFS) 46 $ 54 Amortized Par Cost Rate 2036 Trust Preferred Securities $ 27 $ 22 5.33% 2031 Subordinated Debt 110 109 3.75% $ 137 $ 131 The Bank and the Company had ample liquidity resources at June 30, 2026. (1) (2)
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20 54% 37% 38% 38% 36% 13% 21% 9% 26% 22% 33% 42% 53% 36% 42% $15.1 $22.1 $21.2 $22.6 $23.5 9.58% 9.80% 9.99% 10.11% 10.03% 2Q25 3Q25 4Q25 1Q26 2Q26 Dividends Share Repurchases Net Income - Retained $24.91 $25.64 $26.27 $26.56 $27.04 9.58% 9.80% 9.99% 10.11% 10.03% 10.27% 10.41% 10.54% 10.70% 10.62% 2Q25 3Q25 4Q25 1Q26 2Q26 TCE/TA TCE/TA (w/o AFS AOCI) (1) (1) (1) Non-GAAP financial measure, refer to the non-GAAP reconciliation slides. (2) Includes shares purchased to satisfy employees’ tax liabilities upon the vesting of stock-based compensation of $0.4 million, $1.1 million, and $0.4 million for 2Q25, 1Q26, and 2Q26, respectively. (3) “Net Income – Retained” is equal to net income minus dividend payout and share repurchases. CAPITAL MANAG E ME NT TCE / TA(1) (3) Due to prudent capital management, while driving shareholder return through stable quarterly dividends and the share repurchase program, tangible book value per share (TBVPS)(1) increased 1.8% to $27.04 at the end of the second quarter. TBVPS(1) & TCE/TA(1) Dividends, Share Repurchases & TCE/TA(1)（$ in millions） (2)
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21 REG ULATORY CAPITAL 8.00% 6.00% 4.50% 2.50% 2.50% 2.50% 15.29% 12.61% 12.28% 14.62% 11.94% 11.61% 10.50% 8.50% 7.00% Total Capital Tier 1 Capital CET1 Capital Minimum Requirement Capital Conservation Buffer Company Pro Forma 10.00% 8.00% 6.50% 14.48% 13.40% 13.40% 13.82% 12.73% 12.73% Total Capital Tier 1 Capital CET1 Capital Well Capitalized Bank Pro Forma (1) Pro forma illustrates capital ratios with unrealized AFS securities losses at June 30, 2026. Non-GAAP financial measure; refer to the non-GAAP reconciliation slide. (1) (1) Company Bank The Company exceeded regulatory minimums and the Bank remained well capitalized at June 30, 2026.
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22 US KC ( 1) LOANS & DE POS ITS USKC portfolio represented $825.9 million, or 13% of the loan portfolio, and $1.20 billion, or 17% of the deposit portfolio, at June 30, 2026. USKC CRE portfolio had a weighted average debt coverage ratio(2) of 2.00x and weighted average loan-to-value(2) of 52.8%. USKC Loans – Top 10 Industries (as of 2Q26) 29% 21% 19% 5% 4% 4% 3% 2% 2% 2% 9% Auto Part Manufacturing RE Investment Hotel Food Golf Course Polyester Manufacturing Education Wholesale - Metal Steel Computer Equipment Manufacturing Other 18% 13% 9% 6% 6% 4% 4% 3% 2% 2% 33% Auto Part Manufacturing Electronics/Home Appliances Food Steel RE Investment/Leasing Research and Development All Other Financial Investment Activities Wholesale - Houseware Management of Companies and Enterprises Electrical Auto Parts Other USKC Deposits – Top 10 Industries (as of 2Q26) 77% 76% 75% 74% 72% 23% 24% 25% 26% 28% $841 $910 $862 $818 $826 2Q25 3Q25 4Q25 1Q26 2Q26 CRE C&I USKC Loans by Product（$ in millions） USKC Deposits by Product （$ in millions） 35% 34% 31% 29% 30% 61% 57% 60% 55% 53% $950 $1,040 $1,024 $1,131 $1,202 2Q25 3Q25 4Q25 1Q26 2Q26 Demand Noninterest-bearing Money Market & Savings (1) U.S. subsidiaries of Korean corporations (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Includes $11.0 million CRE loan designated nonaccrual at June 30, 2025. (4) Time deposits, not illustrated, represent the remainder to add to 100%. (4) (3)
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23 ($ 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 Construction 13.8 - - 13.8 RRE/Consumer 4.7 0.1 974.2 978.9 Total Real Estate Loans $ 1,054.9 $ 1,383.1 $ 2,563.2 $ 5,001.2 C&I(1) 426.1 236.4 508.8 1,171.3 Equipment Finance 36.1 166.3 160.5 362.8 Loans Receivable $ 1,517.1 $ 1,785.8 $ 3,232.5 $ 6,535.3 LOAN PORTFOLIO MATURITIE S Note: numbers may not add due to rounding. (1) $361.8 million of C&I are lines of credit expected to be renewed and maintain a maturity of less than one year.
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LOAN PORTFOLIO DIVE RS IFICATION (1) $120.0 million, or 3.0%, and $34.9 million, or 0.9%, of the CRE portfolio are unguaranteed and guaranteed SBA loans, respectively. (2) $63.8 million, or 5.5%, and $47.7 million, or 4.1%, of the C&I portfolio are unguaranteed and guaranteed SBA loans, respectively. Retail 30% Hospitality 21% Office 12% Industrial 11% Multifamily 10% Gas Station 5% Mixed Use 3% Construction 1% Other 7%CRE Portfolio(1) $4,022M Manufacturing 31% Finance & Insurance 14%Retail Trade 6% Wholesale Trade 8% Healthcare 3% Real Estate Rental & Leasing 3% Other 35% C&I Portfolio(2) $1,171M •CRE(1) represents 62% of the total portfolio •C&I(2) represents 18% of the total portfolio. 24
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California $2,541 63%Texas $408 10% New York $306 8% Illinois $109 3% Other $658 16% CRE Composition by State $4,022 CRE PORT FOLIO G EOG RAPHICAL EXPOS URE 25 California $7 50% Other $7 50% Construction by State $14 California $502 57% Texas $48 5% New York $16 2% Illinois $14 2% Other $298 34% Owner Occupied by State $878 California $1,764 66% Texas $279 10% New York $206 8% Illinois $84 3% Other $338 13% Investor (Non-owner Occupied) by State $2,671 California $268 58% Texas $82 18% New York $84 18% Illinois $11 3% Other $14 3% Multifamily by State $459 ($ in millions)
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Rate Distribution Portfolio by State Fixed 75% Variable 25% OFFICE LOAN PORTFOLIO 26 (1) Segment represents exposure in CRE and excludes construction. 5.1% of the portfolio was owner occupied. (2) SBA CRE office loans were $9.6 million, or 2.0% of total office loans, at June 30, 2026. (3) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. The CRE office portfolio(1) was $479.1 million(2) at June 30, 2026, representing 7% of the total loan portfolio. $4.1M Average balance of the portfolio 2.06x Weighted average debt coverage ratio(3) of the segment 57.0% Weighted average loan to value(3) of the segment 26.8% of the portfolio is expected to reprice in 1 to 3 months 0.07% of the office portfolio was delinquent 0.26% of the office portfolio was criticized Remaining = 3% 83% 8% 6%
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27 HOS PITALIT Y S E G ME NT (1) SBA loans in the hospitality segment were $22.0 million, or 2.6%, of total hospitality loans at June 30, 2026; excludes one $4.0 million hotel construction loan. (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently. (3) Metropolitan is categorized as a location that is in a major city and in proximity to downtown areas; destination is categorized as a hotel whose location/amenities make it a distinct tourist location; suburban is defined as areas outside of major city hubs and can include more rural areas. (4) Includes a special mention CRE loan of $55.0 million at June 30, 2026. (2) (3) The hospitality segment represented $858.6 million,(1) or 13% of the total loan portfolio and 21% of the total CRE portfolio, at June 30, 2026. $4.6M Average balance of the segment (excluding construction) 2.07x Weighted average debt coverage ratio(2) of the segment 51.7% Weighted average loan to value(2) of the segment $56.6M or 6.6%, of the hospitality segment was criticized as of June 30, 2026 (4) Metropolitan (3) 60% Destination / Suburban (3) 27% Resort 6% Airport 5% Convention Center 2% Hospitality by Type
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28 RETAIL S E G ME NT (2) (3) The retail segment represented $1.20 billion,(1) or 18% of the total loan portfolio, and 30% of the total CRE portfolio, at June 30, 2026. $1.6M Average balance of the segment 2.00x Weighted average debt coverage ratio(2) of the segment 45.64% Weighted average loan to value(2) of the segment $24.7M or 2.07%, of the retail segment was criticized at June 30, 2026 $1.0M or 0.08%, of the retail segment was on nonaccrual status at June 30, 2026 California 69% Texas 12% Georgia 3% Illinois 2% Other 14% Percentage of Portfolio (1) SBA loans in the retail segment are $87.6 million, or 7.34% of total retail loans, at June 30, 2026. (2) Weighted average DCR and weighted average LTV calculated when the loan was first underwritten or renewed subsequently.
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29 Payment Performance RES IDENTIAL RE AL ES TATE PORTFOLIO (3) The RRE(1) portfolio was $978.9 million at June 30, 2026, representing 15% of the total loan portfolio. Our conservative underwriting policy focuses on high-quality mortgage originations with maximum Loan-to-Value (LTV) ratios between 60% and 70%, maximum Debt-to-Income (DTI) ratios of 43%, and minimum FICO scores of 680. 26.2% Fixed Non-QM 92% (3) Jumbo Non-QM 6% (4) QM 2% (2) (1) RRE includes $0.8 million of Home Equity Line of Credit (HELOC) and $5.0 million in consumer loans. (2) Qualified mortgage (QM) loans conform to the Ability-to-Repay (ATR) rules/requirements of CFPB. (3) Non-QM loans do not conform to the CFPB Dodd-Frank Act. (4) Jumbo Non-QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules. Interest Rate Type 73.8% Variable 0.83% Total delinquencies 0.46% 30-59 days delinquency category 90.4% Reset after 12 months 9.6% Reset within the next 12 months 0.18% 60-89 days delinquency category $3.2M / 0.3% on nonaccrual status at June 30, 2026 Percentage of Portfolio
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4% 5% 3% Remaining = 48% 11% 10% 4% 8% 3% 4% EQUIPME NT FINANCE PORTFOLIO 30 Transportation 18% Construction 15% Manufacturing 12% Waste Management 12% Health Care 6% Professional Services 6% Retail Trade 6% Hospitality 4% Wholesale Trade 4% Other Services 4% Other 13% Portfolio by Industry (1) Other includes agriculture and real estate of 3% and 3%, respectively. The equipment finance portfolio represented $362.8 million, or 5% of the loan portfolio, at June 30, 2026. 27% 8% 6% 6% 5% 4% 4% 4% 4% 32% Portfolio by Equipment Portfolio by State (1)
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31 2Q26 FINANCIAL S UMMARY Note: Numbers may not add due to rounding. (1) Percentage change calculated from dollars in thousands; change in basis points for selected balance sheet items and performance metrics. (2) Non-GAAP financial measure, refer to the non-GAAP reconciliation slide. ($ 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% Noninterest expense 39.0 38.4 36.3 1.7% 7.4% Preprovision net revenue 33.2 33.4 28.9 -0.6% 14.9% Credit loss (recovery) expense 1.2 2.9 7.6 -59.0% -84.5% Pretax income 32.0 30.5 21.2 4.9% 50.6% Income tax expense 8.5 7.9 6.1 6.9% 38.6% Net income 23.5$ 22.6$ 15.1$ 4.2% 55.5% EPS-Diluted 0.79$ 0.75$ 0.50$ Selected Balance Sheet Items Loans receivable 6,535$ 6,545$ 6,306$ -0.2% 3.6% Deposits 6,955 6,801 6,729 2.3% 3.4% Total assets 8,001 7,839 7,862 2.1% 1.8% Stockholders' equity 813$ 803$ 763$ 1.2% 6.5% TCE/TA (2) 10.03% 10.11% 9.58% (8) 45 Performance Metrics Return on average assets 1.20% 1.18% 0.79% 2 41 Return on average equity 11.09% 10.86% 7.48% 23 361 Net interest margin 3.36% 3.38% 3.07% (2) 29 Efficiency ratio 54.07% 53.48% 55.74% 59 (167) Change (1)
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32 N O N - G A A P R E C O N C I L I A T I O N : T A N G I B L E C O M M O N E Q U I T Y T O T A N G I B L E A S S E T R A T I O (1) There were no preferred shares outstanding at the periods indicated. (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$ 7,862,363$ Less goodwill and other intangible assets (11,031) (11,031) (11,031) (11,031) (11,031) Tangible assets 7,990,442$ 7,828,196$ 7,858,154$ 7,845,700$ 7,851,332$ Stockholders' equity (1) 812,680$ 802,819$ 796,386$ 779,550$ 762,834$ Less goodwill and other intangible assets (11,031) (11,031) (11,031) (11,031) (11,031) Tangible stockholders' equity (1) 801,649$ 791,788$ 785,355$ 768,519$ 751,803$ Add AFS securities AOCI 46,552 45,570 43,277 48,004 54,541 Tangible stockholders' equity without AFS securities AOCI (1) 848,201$ 837,358$ 828,632$ 816,523$ 806,344$ Stockholders' equity to assets 10.16% 10.24% 10.12% 9.92% 9.70% Tangible common equity to tangible assets (TCE/TA) (1) 10.03% 10.11% 9.99% 9.80% 9.58% TCE/TA (w/o AFS securities AOCI) (1) 10.62% 10.70% 10.54% 10.41% 10.27% Common shares outstanding 29,650,306 29,806,694 29,894,757 29,975,371 30,176,568 Tangible common equity per common share $27.04 $26.56 $26.27 $25.64 $24.91
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33 N O N - G A A P R E C O N C I L I A T I O N : P R O F O R M A R E G U L A T O R Y C A P I T A L Note: numbers may not add due to rounding (1) Pro forma capital ratios at June 30, 2026. ($ in thousands) Common Equity Tier 1 Tier 1 Total Risk-based Common Equity Tier 1 Tier 1 Total Risk-based Regulatory capital 836,297$ 858,231$ 1,041,195$ 912,635$ 912,635$ 985,599$ Unrealized loss on AFS securities (46,552) (46,552) (46,552) (46,443) (46,443) (46,443) Adjusted regulatory capital 789,745$ 811,679$ 994,643$ 866,192$ 866,192$ 939,156$ Risk weighted assets 6,808,155$ 6,808,155$ 6,808,155$ 6,808,585$ 6,808,585$ 6,808,585$ Risk weighted assets impact of unrealized losses on AFS securities (8,561) (8,561) (8,561) (8,976) (8,976) (8,976) Adjusted Risk weighted assets 6,799,594$ 6,799,594$ 6,799,594$ 6,799,609$ 6,799,609$ 6,799,609$ Regulatory capital ratio as reported 12.28% 12.61% 15.29% 13.40% 13.40% 14.48% Impact of unrealized losses on AFS securities -0.67% -0.67% -0.67% -0.67% -0.67% -0.66% Pro forma regulatory capital ratio 11.61% 11.94% 14.62% 12.73% 12.73% 13.82% Company(1) Bank(1)
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34 N O N - G A A P R E C O N C I L I A T I O N : P R E P R O V I S I O N N E T R E V E N U E (In thousands) 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 back: Credit loss expense 1,186 2,892 1,943 2,145 7,631 Income tax expense 8,475 7,925 8,887 9,396 6,115 Preprovision net revenue 33,166$ 33,374$ 32,069$ 33,602$ 28,863$ -0.6% 14.9% Percentage Change