---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-24-005747"
form_type: "8-K"
ticker: "HAFC"
cik: "0001109242"
company_name: "HANMI FINANCIAL CORP"
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:26:39.618311+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Hanmi Financial Q3 net income $14.9M ($0.49), NIM expands 5 bps to 2.74%, loans up 1.3%

## Summary
- Net income $14.9M ($0.49 diluted) vs $14.5M ($0.48) in Q2; ROAA 0.79%, ROAE 7.55%.
- Net interest margin (tax-equiv.) up 5 bps to 2.74%; loan yield 6.00%, deposit cost flat at 4.27%.
- Loans $6.26B (+1.3% QoQ) on $347.8M production at 7.92%; deposits $6.40B (+1.2%), noninterest-bearing demand up 4.7%.
- Credit loss expense $2.3M vs $1.0M; nonaccrual loans down 18.8% to $15.2M, three loans $129.8M downgraded to special mention.
- After Q3, completed sale of $28.3M nonaccrual construction loan; net charge-offs $0.9M included $1.7M recovery.

## SEC filing metadata
- accession: 0001171843-24-005747
- form_type: 8-K
- ticker: HAFC
- cik: 0001109242
- company_name: HANMI FINANCIAL CORP
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1109242/000117184324005747/0001171843-24-005747-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1109242/000117184324005747/f8k_102224.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-005747
- JSON: https://secwatch.observer/filing/0001171843-24-005747.json
- Plain text: https://secwatch.observer/filing/0001171843-24-005747.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.