HANMI FINANCIAL CORP
For the period ended Sep 30, 2026. Filed Nov 6, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 6, 2026
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Noninterest Income
The following table sets forth the various components of noninterest income for the periods indicated:
| Three Months Ended September 30, · Increase (Decrease) | ||||
|---|---|---|---|---|
| 2026 | 2025 | Amount | Percent | |
| (dollars in thousands) | ||||
| Service charges on deposit accounts | $2,080 | $2,160 | $(80) | (3.7)% |
| Trade finance and other service charges and fees | 1,892 | 1,551 | 341 | 22.0 |
| Servicing income | 958 | 924 | 34 | 3.7 |
| Bank-owned life insurance (“BOLI”) income | 320 | 1,259 | (939) | (74.6) |
| All other operating income | 1,352 | 973 | 379 | 39.0 |
| Service charges, fees & other | 6,602 | 6,867 | (265) | (3.9) |
| Gain on sale of SBA loans | 2,284 | 1,857 | 427 | 23.0 |
| Gain on sale of residential mortgage loans | 279 | 1,156 | (877) | (75.9) |
| Loss on sale of securities | (135) | — | (135) | — |
| Total noninterest income | $9,030 | $9,880 | $(850) | (8.6)% |
Noninterest income decreased 8.6%, or $0.9 million, to $9.0 million for the three months ended September 30, 2026 from $9.9 million for the three months ended September 30, 2025. The decrease was due to a $0.9 million decrease in BOLI income due to lower death benefits and a $0.9 million decrease in gain on the sale of residential mortgage loans due to a lower volume of loans sold, partially offset by a $0.4 million increase in gain on sale of SBA loans due to higher trade premiums.
During the three months ended September 30, 2026, the Company sold $34.0 million of SBA loans, recognizing a net gain of $2.3 million and trade premiums of 8.10%, compared with $32.6 million of SBA loans sold for a net gain of $1.9 million and trade premiums of 6.95% for the three months ended September 30, 2025. The Company sold $13.4 million of residential mortgage loans for a net gain of $0.3 million and trade premiums of 1.83% for the three months ended September 30, 2026. The Company sold $67.8 million of residential mortgage loans for a net gain of $1.2 million and trade premiums of 2.42% for the three months ended September 30, 2025.
| Nine Months Ended September 30, · Increase (Decrease) | ||||
|---|---|---|---|---|
| 2026 | 2025 | Amount | Percent | |
| (dollars in thousands) | ||||
| Service charges on deposit accounts | $6,309 | $6,546 | $(237) | (3.6)% |
| Trade finance and other service charges and fees | 5,295 | 4,409 | 886 | 20.1 |
| Servicing income | 2,783 | 2,410 | 373 | 15.5 |
| Bank-owned life insurance (“BOLI”) income | 1,729 | 2,276 | (547) | (24.0) |
| All other operating income | 3,110 | 2,686 | 424 | 15.8 |
| Service charges, fees & other | 19,226 | 18,327 | 899 | 4.9 |
| Gain on sale of SBA loans | 5,705 | 6,018 | (313) | (5.2) |
| Gain on sale of residential mortgage loans | 1,121 | 1,331 | (210) | (15.8) |
| Loss on sale of securities | (135) | — | (135) | — |
| Total noninterest income | $25,917 | $25,676 | $241 | 0.9% |
Noninterest income increased 0.9%, or $0.2 million, to $25.9 million for the nine months ended September 30, 2026 from $25.7 million for the nine months ended September 30, 2025. The increase was due to a $0.9 million increase in trade finance and other service charges and fees due primarily to the issuance of higher value letters of credit and a $0.4 million increase in all other operating income due primarily to higher loan servicing income, partially offset by a $0.5 million decrease in BOLI income due to lower death benefit proceeds, a $0.3 million decrease in gain on sale of SBA loans, and a $0.2 million decrease in gain on sale of residential mortgage loans.
During the nine months ended September 30, 2026, the Company sold $87.4 million of SBA loans, recognizing a net gain of $5.7 million and trade premiums of 7.97%, compared with $100.2 million of SBA loans sold for a net gain of $6.0 million and trade premiums of 7.46% for the nine months ended September 30, 2025. The Company sold $75.8 million of residential mortgage loans for a net gain of $1.1 million and trade premiums of 2.18% for the nine months ended September 30, 2026, compared with $77.9 million of residential mortgage loans sold for a net gain of $1.3 million and trade premiums of 2.43% for the nine months ended September 30, 2025.
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