| Metric | Hanmi Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +5.5% | -3.7 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.9 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 11.4% | 12.2% | -0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.95B | $6.96B | $6.48B | $889.1M | $50.1M | 1.28% | 3.44% | 0.12% |
| Q1 2026 | $7.79B | $6.80B | $6.48B | $882.3M | $24.4M | 1.25% | 3.44% | 0.16% |
| Q4 2025 | $7.82B | $6.69B | $6.50B | $872.6M | $84.2M | 1.09% | 3.24% | 0.26% |
| Q3 2025 | $7.81B | $6.77B | $6.46B | $859.7M | $61.0M | 1.05% | 3.18% | 0.27% |
| Q2 2025 | $7.82B | $6.74B | $6.29B | $841.5M | $36.8M | 0.96% | 3.11% | 0.33% |
| Q1 2025 | $7.68B | $6.63B | $6.22B | $830.8M | $19.7M | 1.03% | 3.07% | 0.46% |
| Q4 2024 | $7.64B | $6.45B | $6.19B | $812.5M | $70.9M | 0.94% | 2.87% | 0.19% |
| Q3 2024 | $7.68B | $6.42B | $6.24B | $819.5M | $50.9M | 0.90% | 2.82% | 0.57% |
Loan mix (Q2 2026): real estate $5.02B · commercial $1.29B · consumer $5.4M · securities $850.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hanmi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 59.0% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hanmi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hanmi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hanmi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hanmi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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