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Hanmi Bank
Los Angeles, CA·FDIC Cert #24170·Charter: STATE·Est. 19821215.0·HC: HANMI FINANCIAL CORP
Total Assets
$7.8B
Q4 2025
Return on Assets
1.09%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.63%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.09%+0.03
ROE
9.98%+0.26
Efficiency
51.63%+0.13
Equity/Assets
0.00%+0.00
NPL Ratio
0.28%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.22%+1.76
Charge-offs
0.23%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 0.9 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 8.8 | 8.6 | 8.5 | 8.8 | 9.6 | 8.9 | 9.7 | 10.0 |
| Efficiency | 58.3 | 58.0 | 57.3 | 56.5 | 52.4 | 52.6 | 51.5 | 51.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.7 | 0.2 | 0.6 | 0.4 | 0.3 | 0.3 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.4 | 0.3 | 0.2 |
| Loan/Deposit | 95.8 | 96.6 | 97.3 | 96.0 | 93.9 | 93.3 | 95.5 | 97.2 |
Balance Sheet
Total Assets$7.8B
Total Deposits$6.7B
Total Loans$6.5B
Total Equity$872.6M
Profitability
ROA1.09%
ROE9.98%
Efficiency Ratio51.63%
Net Income$84.2M
Risk & Asset Quality
NPL Ratio0.28%
Charge-off Rate0.23%
Loan/Deposit97.22%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans