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Regulatory Matters | 12 Months Ended
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Dec. 31, 2022
Regulatory Capital Requirements Under Banking Regulations [Abstract] |
Regulatory Matters | Note 13 — Regulatory Matters Risk-Based Capital Federal bank regulatory agencies require bank holding companies and banks to maintain a minimum ratio of qualifying total capital to risk-weighted assets of 8.00% and a minimum ratio of Tier 1 capital to risk-weighted assets of 6.00%. In addition to the risk-based guidelines, federal bank regulatory agencies require bank holding companies and banks to maintain a minimum ratio of Tier 1 capital to average assets, referred to as the leverage ratio, of 4.00%. In order for banks to be considered “well capitalized,” federal bank regulatory agencies require them to maintain a minimum ratio of qualifying total capital to risk-weighted assets of 10.00% and a minimum ratio of Tier 1 capital to risk-weighted assets of 8.00%. In addition to the risk-based guidelines, federal bank regulatory agencies require depository institutions to maintain a minimum ratio of Tier 1 capital to average assets, referred to as the leverage ratio, of 5.00%. At December 31, 2022, the Bank’s capital ratios exceeded the minimum requirements to place the Bank in the “well capitalized” category and the Company exceeded all of its applicable minimum regulatory capital ratio requirements. A capital conservation buffer of 2.50% must be met to avoid limitations on the ability of the Bank to pay dividends, repurchase shares or pay discretionary bonuses. The Bank’s capital conservation buffer was 5.86% and 6.72% and the Company's capital conservation buffer was 5.71% and 5.97% as of December 31, 2022 and 2021, respectively. In March 2020, the OCC, the Board of Governors of the Federal Reserve System, and the FDIC announced an interim final rule to delay the impact on regulatory capital arising from the implementation of CECL. The interim final rule maintains the three-year transition option in the previous rule and provides banks the option to delay for two years an estimate of CECL’s effect on regulatory capital, relative to the incurred loss methodology’s effect on regulatory capital, followed by a three-year transition period (five-year transition option). The Company and the Bank adopted the capital transition relief over the permissible five-year period. The capital ratios of Hanmi Financial and the Bank as of December 31, 2022 and 2021 were as follows:
|  | Actual |  |  | Minimum Regulatory Requirement |  |  | Minimum to be Categorized as “Well Capitalized” |
|  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
|  | (dollars in thousands) |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 901,239 |  |  |  | 14.49 | % |  | $ | 497,508 |  |  |  | 8.00 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 860,503 |  |  |  | 13.86 | % |  | $ | 496,607 |  |  |  | 8.00 | % |  | $ | 620,758 |  |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 728,344 |  |  |  | 11.71 | % |  | $ | 373,131 |  |  |  | 6.00 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 797,608 |  |  |  | 12.85 | % |  | $ | 372,455 |  |  |  | 6.00 | % |  | $ | 496,607 |  |  |  | 8.00 | %
Common equity Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 707,101 |  |  |  | 11.37 | % |  | $ | 279,848 |  |  |  | 4.50 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 797,608 |  |  |  | 12.85 | % |  | $ | 279,341 |  |  |  | 4.50 | % |  | $ | 403,493 |  |  |  | 6.50 | %
Tier 1 capital (to average assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 728,344 |  |  |  | 10.07 | % |  | $ | 289,311 |  |  |  | 4.00 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 797,608 |  |  |  | 11.07 | % |  | $ | 288,110 |  |  |  | 4.00 | % |  | $ | 360,137 |  |  |  | 5.00 | %
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 912,527 |  |  |  | 16.61 | % |  | $ | 439,386 |  |  |  | 8.00 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 809,280 |  |  |  | 14.72 | % |  | $ | 439,858 |  |  |  | 8.00 | % |  | $ | 549,822 |  |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 657,251 |  |  |  | 11.97 | % |  | $ | 329,539 |  |  |  | 6.00 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 748,178 |  |  |  | 13.61 | % |  | $ | 329,893 |  |  |  | 6.00 | % |  | $ | 439,858 |  |  |  | 8.00 | %
Common equity Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 636,420 |  |  |  | 11.59 | % |  | $ | 247,155 |  |  |  | 4.50 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 748,178 |  |  |  | 13.61 | % |  | $ | 247,420 |  |  |  | 4.50 | % |  | $ | 357,385 |  |  |  | 6.50 | %
Tier 1 capital (to average assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 657,251 |  |  |  | 9.63 | % |  | $ | 273,133 |  |  |  | 4.00 | % |  | N/A |  |  | N/A |
Hanmi Bank |  | $ | 748,178 |  |  |  | 10.96 | % |  | $ | 273,101 |  |  |  | 4.00 | % |  | $ | 341,376 |  |  |  | 5.00 | %

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- Definition Regulatory capital requirements under banking regulations. + References No definition available. + Details
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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(2) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(2) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(1) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (e) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826 + Details
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