Bank Comparison
Hanmi Bank vs Preferred Bank
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At Q2 2026, Hanmi Bank is the larger bank, with $7.95B in total assets to Preferred Bank's $7.73B; Hanmi Bank has the higher CET1 ratio (13.40% vs 11.06%) and Preferred Bank has the higher return on assets (1.74% vs 1.32%).
vs
11 · 6
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Hanmi Bank | Preferred Bank |
|---|---|---|
| CET1 Ratio | 13.40% | 11.06% |
| Tier 1 Capital Ratio | 13.40% | 11.06% |
| Total Capital Ratio | 14.48% | 13.74% |
| Tier 1 Leverage Ratio | 11.71% | 10.55% |
| Equity / Assets | 11.18% | 10.26% |
Profitability
| Metric | Hanmi Bank | Preferred Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.74% |
| Return on Equity (ROE) | 11.61% | 17.16% |
| Net Interest Margin (NIM) | 3.43% | 3.71% |
| Yield on Earning Assets | 5.43% | 6.49% |
| Cost of Funds | 1.82% | 3.07% |
Asset quality
| Metric | Hanmi Bank | Preferred Bank |
|---|---|---|
| Texas Ratio | 1.05% | 11.72% |
| Non-Performing Loan Ratio | 0.15% | 1.57% |
| Non-Performing Asset Ratio | 0.12% | 1.32% |
| Net Charge-Off Ratio | 0.08% | 0.00% |
| ACL / Loans | 1.08% | 1.21% |
Balance sheet
| Metric | Hanmi Bank | Preferred Bank |
|---|---|---|
| Total Assets | $7.95B | $7.73B |
| Total Deposits | $6.96B | $6.48B |
| Total Loans | $6.55B | $6.28B |
| Total Equity | $889.1M | $793.5M |
| Net Income (quarter) | $25.7M | $33.5M |
Liquidity & funding
| Metric | Hanmi Bank | Preferred Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.09% | 96.95% |
| Core Deposit Ratio | 80.76% | 57.69% |
| Uninsured Deposit Ratio | 44.76% | 50.28% |
Identity
| Metric | Hanmi Bank | Preferred Bank |
|---|---|---|
| Headquarters City | Los Angeles | Los Angeles |
| Headquarters State | CA | CA |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 34 | 16 |
| Employees (FTE) | 609 | 321 |
| Established | December 15, 1982 | December 23, 1991 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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