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Net interest margin expanded as Q4 net income fell slightly to $21.2M (down 3.7% sequentially) due to lower non‑interest income, while full‑year 2025 net income rose 22% to $76.1M with loans up $312M (5%).
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Balance‑sheet dynamics: deposits declined 1.3% in Q4 and management faces intense CD competition with approximately $1.8 billion of CDs maturing in H1 that it aims to reprice to ~3.5–3.7% to reduce funding costs.
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Credit quality remains strong (NPAs 0.26%, allowance 1.07% of loans, net charge‑offs 10 bps) and 2026 priorities emphasize measured loan growth, deposit gathering, expense discipline and conservative underwriting after returning $42M to shareholders in 2025.
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Hanmi Financial (NASDAQ:HAFC) highlighted loan growth, net interest margin…
