HIGHBuilt-inLoan_portfolio
77.8%
commercial real estate and commercial and industrial loans
“10-K Item 1A: 'At December 31, 2025, $5.11 billion, or 77.8%, of total loans consisted of commercial real estate and commercial and industrial loans.'”
HAFC · Concentration risk · 10-K extracted
Hanmi Financial (HAFC) concentration risks
Updated
The most significant concentration Hanmi Financial discloses is commercial real estate and commercial and industrial loans at 77.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Hanmi Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH1
MEDIUM1
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Southern California (Los Angeles and Orange counties)
“10-K Item 1A: 'the majority of our loan and deposit concentration is still primarily in Los Angeles County and Orange County in Southern California'”
LOWOutside partyLoan_portfolio
23.8%
lessors of non-residential buildings
“10-K Item 1A: 'lessors of non-residential buildings of $1.56 billion, or 23.8% of total loans'”
LOWBuilt-inGeographic
17%
New York rent-regulated multifamily loans
“10-K Item 1A: 'our total multifamily rent regulated exposure in New York was approximately $79 million, or 17%, of our multifamily portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Hanmi Financial's concentration is driven by loan mix and regional footprint, both structural in nature. Commercial real estate and commercial and industrial loans made up 77.8% of total loans at December 31, 2025 — a large concentration reflecting the bank's core lending strategy. Geographically, loan and deposit concentration remains primarily in Los Angeles and Orange counties in Southern California, a structural exposure tied to the bank's historical market base. Within the loan book, lessors of non-residential buildings represented 23.8% of total loans — a smaller, though still notable, dependency on commercial property lessors — while New York rent-regulated multifamily loans made up approximately 17% of the multifamily portfolio specifically, a narrower geographic pocket outside the bank's core Southern California footprint. Together, these exposures describe a bank whose lending is heavily weighted toward commercial real estate and C&I credit, anchored in a specific Southern California geography, with smaller secondary concentrations in non-residential building lessors and New York rent-regulated multifamily assets that could be sensitive to regulatory or regional conditions in that specific submarket.
For the engine’s reasoning on HAFC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| HAFC● | Hanmi Financial Corporation | 1 | 1 | 2 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.