---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-002384"
form_type: "8-K"
ticker: "HAFC"
cik: "0001109242"
company_name: "HANMI FINANCIAL CORP"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:00:08.460334+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Hanmi Financial Q1 net income flat at $17.7M; net interest margin expands 11 bps to 3.02%

## Summary
- Net income $17.7M ($0.58 diluted EPS), unchanged from Q4 2024; ROAA 0.94%, ROAE 8.92%.
- Net interest margin (taxable equivalent) up 11 bps to 3.02%, driven by lower funding costs.
- Total deposits grew 2.9% to $6.62B; noninterest-bearing deposits 31.2% of total.
- Loans rose 0.5% to $6.28B; loan production $345.9M at 7.35% weighted average rate.
- Credit loss expense increased to $2.7M from $0.9M; nonperforming loans 0.57% of loans.

## SEC filing metadata
- accession: 0001171843-25-002384
- form_type: 8-K
- ticker: HAFC
- cik: 0001109242
- company_name: HANMI FINANCIAL CORP
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1109242/000117184325002384/0001171843-25-002384-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1109242/000117184325002384/f8k_042225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-002384
- JSON: https://secwatch.observer/filing/0001171843-25-002384.json
- Plain text: https://secwatch.observer/filing/0001171843-25-002384.txt

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