BlastPoint's Banking Scorecard
Hanmi Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 24170
Los Angeles, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Hanmi Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Mid-Market
- - Credit Risk Growth: Bottom 17% in Mid-Market
- - Liquidity Strain: Bottom 41% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.8B
+2.4% YoY
+0.1% QoQ
|
-$2.6B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$6.5B
+5.0% YoY
+0.6% QoQ
|
-$630.5M |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$6.7B
+3.7% YoY
-1.3% QoQ
|
-$1.9B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.09%
+15.9% YoY
+3.3% QoQ
|
-0.08% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.24%
+13.1% YoY
+1.9% QoQ
|
-0.15% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
51.63%
-8.6% YoY
+0.2% QoQ
|
-4.97% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.28%
+20.8% YoY
-7.0% QoQ
|
-0.41% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
97.22%
+1.3% YoY
+1.8% QoQ
|
+11.75% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
28.30%
-6.3% YoY
-3.3% QoQ
|
+7.66% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.26%
+36.3% YoY
-6.1% QoQ
|
-0.24% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.17%
-1.4% YoY
-0.2% QoQ
|
-0.38% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.46%
+4.6% YoY
+31.7% QoQ
|
-0.50% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#9 of 50 · Top 16% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.28%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#14 of 113 · Bottom 12% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.28%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#16 of 87 · Bottom 17% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#33 of 80 · Bottom 41% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.22%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.68%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 28.30% · Tier avg: 20.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
69
69th pctile
Efficiency Ratio
Current: 51.63% · Tier avg: 56.60%
56
56th pctile
Total Loans
Current: $6.5B · Tier avg: $7.1B
54
54th pctile
Tier 1 Capital Ratio
Current: 13.17% · Tier avg: 13.55%
48
48th pctile
Total Deposits
Current: $6.7B · Tier avg: $8.5B
45
45th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
43
43th pctile
Total Assets
Current: $7.8B · Tier avg: $10.5B
37
37th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.40%
30
30th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.96%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.22% · Tier avg: 85.47%
Top Weaknesses
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.22% · Tier avg: 85.47%
30
30th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.96%
37
37th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.40%
43
43th pctile
Total Assets
Current: $7.8B · Tier avg: $10.5B
45
45th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
48
48th pctile
Total Deposits
Current: $6.7B · Tier avg: $8.5B
54
54th pctile
Tier 1 Capital Ratio
Current: 13.17% · Tier avg: 13.55%
56
56th pctile
Total Loans
Current: $6.5B · Tier avg: $7.1B
69
69th pctile
Efficiency Ratio
Current: 51.63% · Tier avg: 56.60%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 28.30% · Tier avg: 20.64%
77
77th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.68%