Hanmi Financial(NASDAQ) HAFC

Hanmi Financial Corporation helps small business owners get loans to grow. The bank provides property loans and daily accounts for local entrepreneurs. These services support businesses across nine states, including California and Texas.

Banking Tools for Business

• Commercial Real Estate: Loans for buying or improving properties like retail shops, hotels, and offices.
• Small Business Administration: Government-backed lending that helps startups and small firms with working capital and equipment.
• Commercial and Industrial: Credit lines and term loans designed to fund the daily operations of diverse businesses.
• Equipment Finance: Leasing and financing solutions for purchasing necessary business machinery and vehicles.
• Deposit Accounts: Business checking, savings, and money market accounts that provide secure places to store cash.

Expansion and Strategic Shifts

• Produced $749.8 million in new loans during the six-month period ended June 30, 2026.
• Sold $53.5 million of Small Business Administration loans for a $3.4 million gain in early 2026.
• Increased residential mortgage loan sales to $62.3 million during the six months ended June 30, 2026.
• Issued $55 million of subordinated notes, a type of long-term debt, in July 2026.

What Makes Hanmi Different

Hanmi focuses on the specific needs of multi-ethnic business communities across the United States. It combines specialized trade finance services with localized commercial banking to help small enterprises navigate international and domestic markets.

The Recent Numbers

• Net interest income rose 11.8% to $63.9 million in the second quarter of 2026.
• Net interest margin, which measures lending profitability, reached 3.36% in the second quarter of 2026.
• Total deposits grew 4.2% to $6.96 billion during the first six months of 2026.
• The bank maintained a total risk-based capital ratio of 14.48% as of June 30, 2026.
• Net income reached $46.1 million for the six-month period ended June 30, 2026.

Bottom Line

Hanmi has transitioned into a multi-state commercial lender with a strong focus on niche business sectors. Its ability to grow deposits and manage interest margins supports its role as a key financial partner for small businesses.