Hanmi (HAFC) Q2 2025 Earnings Call Transcript
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Hanmi Financial (NASDAQ:HAFC) reported sequential growth in net interest income and margin, with disciplined expense management maintaining the efficiency ratio at 55.7% despite elevated credit loss expenses. Asset quality metrics improved markedly, including substantial reductions in criticized and non-accrual loans, supported by strategic portfolio actions and successful upgrades. Deposit and loan growth continued, with management increasing targets for SBA production and highlighting expanded C banker teams supporting future pipeline strength. strategic emphasis remains on C, SBA, and relationship-driven deposit growth, while exposure to CRE is being reduced as a percentage of the loan mix.
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