# HANMI BANK
LOS ANGELES, CA · FDIC certificate 24170 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.95B | |
| Deposits | $6.96B | |
| Loans and leases | $6.55B | |
| Total equity | $889.1M | |
| Loans / deposits | 93.08% (p68 of band) | 87.10% |
| Liquid assets / assets | 14.85% (p22 of band) | |
| Uninsured deposits / deposits | 44.76% (p82 of band) | 30.76% |
| Brokered deposits | 1.09% | |
| Wholesale funding | 1.09% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.71% (p73 of band) | 10.50% |
| Unrealized securities loss / equity | -7.37% (p51 of band) | -7.75% |
| AOCI / equity | -0.36% (p46 of band) | |
| ROA (annualized) | 1.28% (p52 of band) | 1.26% |
| Net interest margin | 3.44% (p34 of band) | 3.70% |
| Efficiency ratio | 51.12% (p26 of band) | |
| Noncurrent loans | 0.15% (p19 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p75 of band) | |
| Reserve coverage of noncurrent | 709.65% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 1.55% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $234.2M (26% of equity) (p93 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 609 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | charge-offs p90 |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 1 | loans exceed deposits |  |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 1 | capital falling | loans exceed deposits |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | reserve under noncurrent | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 1 |  | capital falling, noncurrent p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | capital falling | charge-offs p90 |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | charge-offs p90 |  |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-07 [Hanmi Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5BZ1JvdU1hVmpfb1JLNVd1dklhNHcyQzJodnk1eEFhR05mQnIwSXJPdXNtamo2elJaVUlCYVZxMWFKWWlZdUl6dnhXUDRQOHZqd1liWUctbzB0WlhJb2wzRWZMY2pWTHN1N1E?oc=5) · reveliolabs.com
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2025-02-17 [Q+A: Hanmi Grows Assets, South Korea Office - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbVBKaGExNUt4RWcxM3p3MS1WekdlLXV3LVRrYWNqc21hWllsbmhWcFd0TTZmSW9VWF91cmJ2cUktYXN4NmE5NktaOV9lcUQ3d0p2WDdjeWZpUFMxWDdBNml6TTVQMzMzRW5iV1RwOWJmX0dvT3h4ejJUMDhieEdTQk9ZVHVRaHM?oc=5) · Los Angeles Business Journal
- 2025-08-26 [Hanmi Bank Selects Lenders Cooperative to Drive National Expansion of Business Lending - Yahoo Finance](https://news.google.com/rss/articles/CBMijAFBVV95cUxOaTduNmVWX1FQbVZxcWNlNk4wOFdmbi1SdThFTVNjNW54RXlOTUNJWEtTU1JVSS1ydXNGQmZkenU3enBHZXJwTzhyb1gzNmxFM3NCX3hEdkRObGRwTHMtOFIwLWZNYW9ramtYcXZIU0x6Zm9nX1IxLVhhWkhnS0hEY3pmVlYySHpQdlliaQ?oc=5) · Yahoo Finance
- 2023-12-06 [Hanmi Bank Opens 1st East Bay Location In Dublin - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNN05oWk5YN0RJOUw2ZXZIUTY5SURIV0VMMGZ5UHV2RkhZWGgyaG9LSTJyWVUwMnZyZDR3Y0w4WklKUExTTVpJTXYwb2tfbHM3Y2c2ZmNfaWNVZ2VDLWk0TlV6NEN4dDhfakRabjlYOGNyem1qcEtoTXkyeHRVdG9QVnQwejRwYTdW?oc=5) · Patch
- 2019-06-20 [Former Hanmi Bank & Uniti Bank Executive Joins Lendistry - newswire.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOa3E0X3ZSTHNlZnZHRTFBZUVGQ3AyQ3Z6LS1XamdJNFFzRUI1Mjg3bWxTbjc5VVZOMHhOTW4wWHYwN0VsSzNramtmN1VVdFdRODdVTWtuN0tEOW5LTDJzR0NVWFY2alJhNHFuNUV4ZEZucFc2SGY0SzN2WUNlcXpnWUd6X2hGVVhjNndUaUN3TGNYRzBwTWtPQQ?oc=5) · newswire.com
- 2023-10-12 [Hanmi Bank Finances SoCal Shopping Center Sale - Commercial Observer](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbnZLOEpLMU8taWo1R1ptd2VSRTd3U1ktYnItQ1k2akwtdFh2QW0xU2FSd3NWRkdIdzZLUmdpR3UwTmdLOE85Ty1mMTdhaFBrRVJwTEtJZDV6eUZPd1dITlE1MEJLRzRXWnU4bnh6OVBKeTI2V0s1N0JtWFpsUmVCaEZmaXd5S0RVUE1MOHRRa3hOQWZueTR2a0VFZmZpUmM?oc=5) · Commercial Observer
- 2025-08-12 [Korean-American Banks Continue Asset and Scale Growth… Bank of Hope and Hanmi Rank in - 미주한국일보](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB5di1ndXBXVjVfdW5uTWxYT1BRcTQ2LVFYWUZCYWlETXRPWmhKVjBVRVdqUk1zN1NJa0V1ZFFDczRGd2ZRcVhoMVNDbWhnZXdFbzR2MEhLaHlhUHlfakZN?oc=5) · 미주한국일보

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24170 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "24170", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide