HANMI FINANCIAL CORP — Form 8-K

Hanmi Financial Corporation reported Q3 2026 net income of $23.7 million ($0.80 diluted EPS), up 0.8% sequentially. Net interest income increased 5.8% to $67.6 million with net interest margin expanding 8 basis points to 3.44%. Deposits grew $100.4 million (1.4%) to $7.06 billion; loans increased 0.5% to $6.57 billion on strong $543.6 million production offset by elevated payoffs. Credit loss expense spiked to $4.5 million (from $1.2M in Q2) due to a single $3.2 million charge-off on a $21.2 million CRE loan moved to held-for-sale. Asset quality remained solid: nonperforming assets 0.12% of assets, criticized loans 2.05% of portfolio. Company returned 55.6% of earnings to shareholders ($8.3M dividends, $4.9M buybacks).