hope-20260727
0001128361false00011283612026-07-272026-07-27


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

July 27, 2026
Date of Report (Date of earliest event reported)

HOPE BANCORP INC
(Exact name of registrant as specified in its charter)
Delaware000-5024595-4849715
(State of incorporation)(Commission File Number)(I.R.S. Employer Identification No.)

3200 Wilshire Boulevard, Suite 1400
Los Angeles, California 90010
(Address of principal executives offices, including zip code)

(213) 639-1700
(Registrant’s telephone number, including area code)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Common Stock,par value $0.001 per shareHOPENASDAQ Global Select Market
(Title of class)(Trading Symbol)(Name of exchange on which registered)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐




Item 2.02 Results of Operations and Financial Condition.

On July 27, 2026, Hope Bancorp, Inc. (“HOPE” or the “Company”) issued a news release concerning its results of operations and financial condition for the second quarter and six months ended and as of June 30, 2026. A copy of the July 27, 2026, news release is furnished as Exhibit 99.1 and incorporated herein by reference.

Item 7.01. Regulation FD Disclosure

The Company previously announced that it will host an investor conference call on Monday, July 27, 2026, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review financial results for its second quarter ended June 30, 2026. A presentation to accompany the conference call (“Earnings Presentation”), which contains certain historical and forward-looking information relating to the Company, has been made available at the Investor Relations section of Hope Bancorp’s website at www.ir-hopebancorp.com. A copy of the Earnings Presentation is furnished as Exhibit 99.2 and incorporated herein by reference.

The information furnished under Item 2.02, Item 7.01 and exhibits 99.1 and 99.2 under Item 9.01 of this Current Report on Form 8-K shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to liabilities under that Section, nor shall they be deemed incorporated by reference in any registration statement or other filings of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be set forth as a specific reference in such filing.

Item 8.01 Other Events.

On July 27, 2026, the Company issued a news release announcing that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The cash dividend is payable on or about August 20, 2026, to all stockholders of record as of the close of business on August 6, 2026. A copy of the July 27, 2026, news release is filed as Exhibit 99.3 and is incorporated herein by reference.


Item 9.01 Financial Statements and Exhibits

(d) Exhibits
Exhibit No.Description of Exhibit
99.1
99.2
99.3
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
HOPE BANCORP, INC.
Date: July 27, 2026By:/s/ Kevin S. Kim
Kevin S. Kim
Chairman, President and Chief Executive Officer




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News Release



HOPE BANCORP REPORTS FINANCIAL RESULTS FOR THE SECOND QUARTER AND SIX MONTHS ENDED JUNE 30, 2026

Second quarter 2026 net income of $33.0 million, up 12% quarter-over-quarter

LOS ANGELES – July 27, 2026 – Hope Bancorp, Inc. (the “Company”) (NASDAQ: HOPE), the holding company of Bank of Hope (the “Bank”), today reported unaudited financial results for its second quarter and six months ended June 30, 2026.
For the second quarter of 2026, the Company reported net income of $33.0 million, or $0.26 per diluted common share, up 12% from net income of $29.5 million, or $0.23 per diluted common share, for the first quarter of 2026, and up from a net loss of $24.8 million, or $(0.19) per diluted common share, for the second quarter of 2025. Net income excluding notable items(1) for the second quarter of 2026 was $34.5 million, or $0.27 per diluted common share, up 16% from $29.7 million, or $0.23 per diluted common share, for the first quarter of 2026, and up 40% from net income of $24.6 million, or $0.19 per diluted common share, for the second quarter of 2025.

“Overall, we delivered strong quarterly results and are pleased with the continued progress made to improve the profitability and core operating performance of the Bank. Second quarter 2026 earnings growth reflected a combination of revenue growth and positive operating leverage, driven by loan growth, net interest margin expansion, lower funding costs, increased fee income and expense discipline,” said Kevin S. Kim, Chairman, President and Chief Executive Officer of Hope Bancorp, Inc.

“As we enter the second half of 2026, we are well-positioned to continue our momentum in executing on our key priorities. We are focused on building a more profitable and resilient franchise through disciplined balance sheet management, prudent expense control and the strengthening of client relationships to deliver long-term value for our stockholders,” continued Kim.

“Our pending acquisition of the Commercial Banking Unit of SMBC MANUBANK(2) is closely aligned with our priorities and represents an important opportunity to expand our middle market and multinational banking capabilities, develop specialty deposit verticals, and broaden our footprint in Southern California. The transaction is anticipated to improve our 2027 earnings and returns on tangible common equity, enhance our long-term earnings capacity, and support effective capital management,” concluded Kim.


(1) Net income excluding notable items and earnings per share excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12. Notable items in the second quarter of 2026 included merger-related costs; notable items for the prior periods are detailed on Table Pages 10 to 12.
(2) The pending acquisition of the Commercial Banking Unit of SMBC MANUBANK is subject to regulatory approvals and other customary closing conditions.
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Operating Results for the Second Quarter of 2026
Net interest income and net interest margin. Net interest income totaled $129.0 million for the second quarter of 2026, up $4.9 million, or 4%, compared with $124.1 million for the first quarter of 2026, and up $11.5 million, or 10%, from the second quarter of 2025. Net interest margin for the second quarter of 2026 was 2.96%, up six basis points from 2.90% for the first quarter of 2026, and up 27 basis points from 2.69% for the year-ago quarter. The sequential quarter net interest income growth and net interest margin expansion were primarily driven by average earning asset growth, earning asset yield expansion and a lower cost of funds. The second quarter 2026 yield on average loans was 5.73%, up four basis points sequentially, and the cost of interest bearing deposits was 3.31%, down six basis points sequentially. Year-over-year, the cost of interest bearing deposits was down 46 basis points, reflecting Fed Funds target rate cuts over the period as well as the positive impact of the Territorial Bancorp acquisition, which closed on April 2, 2025, and contributed lower cost deposits to the Bank’s funding mix.

Noninterest income. For the second quarter of 2026, noninterest income totaled $18.9 million, up $1.9 million, or 11%, compared with $17.0 million for the first quarter of 2026, and up $3.0 million, or 19%, compared with noninterest income excluding notable items(3) of $15.9 million for the second quarter of 2025. Second quarter 2025 reported noninterest income was $(23.0) million and included a $38.9 million loss on an investment portfolio repositioning. The sequential quarter growth in second quarter 2026 noninterest income reflected increased net gains on sales of Small Business Administration (“SBA”) loans, growth in customer-driven income and fees, and an increase in net gains on sales of available-for-sale securities. The Company sold $67.9 million of SBA loans in the second quarter of 2026 for a net gain of $4.4 million, compared with $53.0 million of SBA loans sold for a net gain of $3.3 million in the first quarter of 2026.

Noninterest expense. Noninterest expense for the second quarter of 2026 was $98.5 million, up $4.0 million, or 4%, from $94.5 million for the first quarter of 2026, and down $11.0 million, or 10%, from $109.5 million for the second quarter of 2025. Noninterest expense excluding notable items(3) for the second quarter of 2026 was $96.4 million, up $2.1 million, or 2%, from $94.3 million for the first quarter of 2026, and up $4.2 million, or 5%, from $92.2 million for the second quarter of 2025. Growth in the second quarter 2026 noninterest expense was well controlled across all key areas of operating expenses.

In the second quarter of 2026, revenue growth outpaced expense growth, resulting in positive operating leverage and an improved efficiency ratio. The reported efficiency ratio for the second quarter of 2026 was 66.6%, improving from 67.0% in the prior quarter and 115.8% in the year-ago quarter. The efficiency ratio excluding notable items(3) for the second quarter of 2026 was 65.2%, improving from 66.9% in the prior quarter and 69.1% in the year-ago quarter.

Income tax provision and tax rate. For the second quarter of 2026, the Company recorded an income tax provision of $9.6 million, compared with an income tax provision of $8.4 million for the first quarter of 2026 and an income tax benefit of $(1.3) million for the second quarter of 2025. The year-to-date effective tax rate for the first half of 2026 was 22.3%.
Balance Sheet Summary
Total assets. At June 30, 2026, total assets were $18.99 billion, compared with $18.66 billion at March 31, 2026, and $18.55 billion at June 30, 2025.

Loans. At June 30, 2026, gross loans totaled $15.03 billion, up 2%, equivalent to 8% annualized, from $14.74 billion at March 31, 2026, and up 4% from $14.45 billion at June 30, 2025. Second quarter 2026 average loans were $14.79 billion, up 1%, equivalent to 3% annualized, from $14.69 billion for the first quarter of 2026, and up 3% from $14.43 billion for the second quarter of 2025. Quarter-over-quarter and year-over-year loan growth was broad-based across the Company’s major lending portfolios of commercial and industrial, commercial real estate and residential mortgage.

(3) Noninterest income excluding notable items, noninterest expense excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12.
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The following table sets forth the loan portfolio composition at June 30, 2026, March 31, 2026, and June 30, 2025:

(dollars in thousands) (unaudited)6/30/20263/31/20266/30/2025
BalancePercentageBalancePercentageBalancePercentage
Commercial real estate (“CRE”) loans$8,583,967 57.1 %$8,498,246 57.7 %$8,385,764 58.0 %
Commercial and industrial (“C&I”) loans3,896,116 25.9 %3,734,978 25.3 %3,729,962 25.8 %
Residential mortgage and other loans2,554,104 17.0 %2,503,919 17.0 %2,334,816 16.2 %
Gross loans (including held for sale)
$15,034,187 100.0 %$14,737,143 100.0 %$14,450,542 100.0 %

Deposits. Total deposits were $15.88 billion at June 30, 2026, up 1%, equivalent to 4% annualized, from $15.73 billion at March 31, 2026, and down 0.4% compared with $15.94 billion at June 30, 2025. Quarter-over-quarter, noninterest bearing demand deposits increased 5%; money market, interest bearing demand and savings deposits increased 1%, and time deposits decreased 1%. Compared with the year-ago quarter, noninterest bearing demand deposits increased 2%, while time deposits decreased 2%. The quarter-over-quarter and year-over-year decreases in time deposits were planned, to support continued reduction in the Bank’s cost of funds.

The following table sets forth the deposit composition at June 30, 2026, March 31, 2026, and June 30, 2025:

(dollars in thousands) (unaudited)6/30/20263/31/20266/30/2025
BalancePercentageBalancePercentageBalancePercentage
Noninterest bearing demand deposits$3,548,452 22.4 %$3,387,757 21.5 %$3,485,502 21.9 %
Money market, interest bearing demand, and savings deposits6,079,728 38.3 %6,036,197 38.4 %6,102,999 38.3 %
Time deposits6,248,363 39.3 %6,302,488 40.1 %6,354,854 39.8 %
Total deposits$15,876,543 100.0 %$15,726,442 100.0 %$15,943,355 100.0 %
  Gross loan-to-deposit ratio94.7 %93.7 %90.6 %
Credit Quality and Allowance for Credit Losses
Criticized loans. Overall credit quality remained stable quarter-over-quarter and improved meaningfully year-over-year. Criticized loans were $334.3 million at June 30, 2026, up $9.2 million, or 3%, quarter-over-quarter, and down $80.5 million, or 19%, year-over-year. The criticized loan ratio was 2.24% of total loans receivable at June 30, 2026, compared with 2.22% at March 31, 2026, and down 63 basis points from 2.87% at June 30, 2025.

Nonperforming assets. Nonperforming assets declined $7.7 million from the prior quarter to $112.9 million, or 0.59% of total assets, at June 30, 2026, compared with 0.65% of total assets at March 31, 2026, and 0.61% of total assets at June 30, 2025. The quarter-over-quarter improvement primarily reflected a reduction in accruing delinquent loans past due 90 days or more.


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The following table sets forth the components of nonperforming assets at June 30, 2026, March 31, 2026, and June 30, 2025:

(dollars in thousands) (unaudited)6/30/20263/31/20266/30/2025
Loans on nonaccrual status (1)
$111,973 $109,512 $110,739 
Accruing delinquent loans past due 90 days or more
515 10,642 2,149 
Total nonperforming loans112,488 120,154 112,888 
Other real estate owned365 365 — 
Total nonperforming assets$112,853 $120,519 $112,888 
Nonperforming assets/total assets0.59 %0.65 %0.61 %
_____________________________________
(1)     Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $17.1 million, $19.4 million and $15.3 million at June 30, 2026, March 31, 2026, and June 30, 2025, respectively.

Net charge-offs. The Company recorded net charge-offs of $9.0 million for the second quarter of 2026, equivalent to 0.24%, annualized, of average loans. This compares with net charge-offs of $10.7 million, or 0.29%, annualized, of average loans for the first quarter of 2026, and $12.0 million, or 0.33%, annualized, of average loans for the second quarter of 2025.

Provision for credit losses. For the second quarter of 2026, the Company recorded a provision for credit losses of $6.8 million, compared with $8.7 million for the first quarter of 2026 and $11.1 million for the second quarter of 2025. The sequential quarter decrease in the provision for credit losses primarily reflected lower net charge-offs in the second quarter of 2026 compared with the prior quarter.

Allowance for credit losses. The allowance for credit losses totaled $153.2 million at June 30, 2026, compared with $155.1 million at March 31, 2026, and $149.5 million at June 30, 2025. The allowance coverage ratio was 1.03% of loans receivable at June 30, 2026, compared with 1.06% at March 31, 2026, and 1.04% at June 30, 2025.

The following table sets forth the allowance for credit losses and the coverage ratios at June 30, 2026, March 31, 2026, and June 30, 2025:

(dollars in thousands) (unaudited)6/30/20263/31/20266/30/2025
Allowance for credit losses$153,218 $155,114 $149,505 
Allowance for credit losses/loans receivable1.03 %1.06 %1.04 %



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Capital

At June 30, 2026, the capital ratios of the Company and the Bank continued to exceed all regulatory capital requirements generally required to meet the definition of a “well-capitalized” financial institution.

The following table sets forth the capital ratios for the Company at June 30, 2026, March 31, 2026, and June 30, 2025:
(unaudited)
6/30/20263/31/20266/30/2025Minimum Guideline for “Well-Capitalized”
Common Equity Tier 1 Capital Ratio12.27%12.36%12.08%6.50%
Tier 1 Capital Ratio12.95%13.05%12.77%8.00%
Total Capital Ratio13.95%14.07%13.78%10.00%
Leverage Ratio11.07%11.11%10.58%5.00%
Tangible Common Equity (“TCE”) Ratio(4)
9.58%9.68%9.44%N/A

Year-to-date through June 30, 2026, the Company returned $44.6 million of capital to stockholders through cash dividends and common stock repurchases. Year-to-date in 2026, the Company repurchased 772,726 shares of common stock, equivalent to 0.6% of outstanding shares at December 31, 2025, at an average price of $11.25 per share, for a total of $8.7 million, pursuant to its existing $50.0 million share repurchase authorization. As of June 30, 2026, $26.6 million remained available under the authorization. The Company also returned capital to stockholders through quarterly common stock dividends of 14 cents per share declared in both the first and the second quarters of 2026.

At June 30, 2026, total stockholders’ equity was $2.30 billion, up 1% compared with December 31, 2025. Book value per share at June 30, 2026, was $17.97, up 1% compared with $17.81 at December 31, 2025. TCE per share(4) was $13.85 at June 30, 2026, up 1% compared with $13.71 at December 31, 2025.

(4)    TCE ratio and TCE per share are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 to 12.
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Investor Conference Call
The Company previously announced that it will host an investor conference call on Monday, July 27, 2026, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review its unaudited financial results for its second quarter ended June 30, 2026. Investors and analysts are invited to access the conference call by dialing 866-235-9917 (domestic) or 412-902-4103 (international) and asking for the “Hope Bancorp Call.” A presentation to accompany the earnings call will be available at the Investor Relations section of Hope Bancorp’s website at www.ir-hopebancorp.com. Other interested parties are invited to listen to a live webcast of the call available at the Investor Relations section of Hope Bancorp’s website. After the live webcast, a replay will remain available at the Investor Relations section of Hope Bancorp’s website for at least one year. A telephonic replay of the call will be available at 855-669-9658 (domestic) or 412-317-0088 (international) for one week through August 3, 2026, with the replay access code 7252988.

Non-GAAP Financial Metrics
This news release and accompanying financial tables contain certain non-GAAP financial measure disclosures, including net income excluding notable items, earnings per share excluding notable items, noninterest income excluding notable items, noninterest expense excluding notable items, efficiency ratio excluding notable items, effective tax rate excluding notable items, PPNR, PPNR excluding notable items, ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, TCE per share and TCE ratio. Management believes these non-GAAP financial measures provide meaningful supplemental information regarding the Company’s operational performance and the Company’s capital levels and has included these figures in response to market participant interest in these financial metrics. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12.

About Hope Bancorp, Inc.
Hope Bancorp, Inc. (NASDAQ: HOPE) is the holding company for Bank of Hope, with $18.99 billion in total assets as of June 30, 2026. Following the addition of Territorial Savings as a division of Bank of Hope, the Company became the largest regional bank serving multicultural customers across the continental United States and Hawaii. Headquartered in Los Angeles, California, Bank of Hope offers a comprehensive range of commercial, corporate, and consumer banking products and services, including commercial and commercial real estate lending, SBA lending, residential mortgage and consumer lending, treasury management, foreign exchange solutions, interest rate derivatives, and international trade finance. Bank of Hope operates 45 full-service branches in California, New York, New Jersey, Washington, Texas, Illinois, Alabama and Georgia under the Bank of Hope banner, and 28 branches in Hawaii under the Territorial Savings banner. Bank of Hope also operates SBA loan production offices, commercial loan production offices, and residential mortgage loan production offices throughout the United States, and a representative office in Seoul, South Korea. Bank of Hope is a California-chartered bank, and its deposits are insured by the FDIC to the extent provided by law. Bank of Hope is an Equal Opportunity Lender. For additional information, please go to www.bankofhope.com for Bank of Hope and www.tsbhawaii.bank for Territorial Savings, a division of Bank of Hope. By including the foregoing website address links, the Company does not intend to incorporate by reference any material contained or accessible therein.
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Forward-Looking Statements
Some statements in this news release may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements include, but are not limited to, statements preceded by, followed by or that include the words “will”, “believes”, “expects”, “anticipates”, “intends”, ”plans”, “estimates”, “projects”, and similar expressions and statements regarding Hope Bancorp’s strategic initiatives, the pending acquisition of the Commercial Banking Unit of SMBC MANUBANK (“MANUBANK”), and Hope Bancorp’s future financial and operational results and capital allocation strategy. With respect to any such forward-looking statements, Hope Bancorp claims the protection provided for in the Private Securities Litigation Reform Act of 1995. These statements involve risks and uncertainties. Hope Bancorp’s actual results, performance or achievements may differ significantly from the results, performance or achievements expressed or implied in any forward-looking statements. With the consummation of the pending acquisition of MANUBANK, factors that may cause actual outcomes to differ from what is expressed or forecasted in these forward-looking statements include, among other things: the failure of the conditions to closing to be satisfied or waived; difficulties and delays in integrating Hope Bancorp and MANUBANK and achieving anticipated synergies, cost savings and other benefits from the transaction; higher than anticipated transaction costs; and deposit attrition, operating costs, customer loss and business disruption following the acquisition, including difficulties in maintaining relationships with employees and customers, which may be greater than expected. The closing of the proposed transaction is subject to regulatory approvals and the satisfaction of other customary closing conditions. Other risks and uncertainties include, but are not limited to: possible deterioration of economic conditions in Hope Bancorp’s areas of operation and in the U.S. generally or elsewhere, including as a result of the interest rate environment, supply chain disruptions, inflation, labor shortages, changes in the housing and real estate markets, consumer confidence and spending habits; risk of adverse economic or political conditions in South Korea; interest rate risk associated with volatile interest rates and related asset‑liability matching risk; liquidity risks; the possibility that Hope Bancorp may discontinue or otherwise limit repurchases of its common stock; risk of significant non‑earning assets and net credit losses that could occur, particularly in times of weak economic conditions or rising interest rates; the failure of or changes to assumptions and estimates underlying Hope Bancorp’s allowance for credit losses; risk of natural disasters; risk of cybersecurity incidents; potential increases in deposit insurance assessments and regulatory risks associated with current and future regulations; the outcome of any legal proceedings that may be instituted against Hope Bancorp; and the impact of U.S. and global trade policies, including changes in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom fluctuations in commodity prices such as oil, as well as geopolitical instability and international tensions. For additional information concerning these and other risk factors, see Hope Bancorp’s most recent Annual Report on Form 10‑K and other documents Hope Bancorp files with the SEC from time to time. Hope Bancorp does not undertake, and specifically disclaims, any obligation to update any forward‑looking statements to reflect the occurrence of events or circumstances after the date of such statements except as required by law.




Contact:
Julianna Balicka
Executive Vice President & Chief Financial Officer
Maxime Olivan
Senior Vice President & Investor Relations Manager



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Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except share data)
Assets:6/30/20263/31/2026% change6/30/2025% change
Cash and due from banks$640,443 $594,769 8 %$689,734 (7)%
Investment securities2,179,253 2,185,952 — %2,268,889 (4)%
Federal Home Loan Bank (“FHLB”) stock and other investments70,436 68,800 2 %106,752 (34)%
Gross loans, including loans held for sale15,034,187 14,737,143 2 %14,450,542 4 %
Allowance for credit losses(153,218)(155,114)(1)%(149,505)2 %
Accrued interest receivable53,592 53,734 0 %53,589 0 %
Premises and equipment, net69,968 68,621 2 %69,141 1 %
Goodwill and intangible assets526,890 528,021 0 %525,428 0 %
Other assets570,365 574,938 (1)%535,578 6 %
Total assets$18,991,916 $18,656,864 2 %$18,550,148 2 %
Liabilities:
Deposits$15,876,543 $15,726,442 1 %$15,943,355 0 %
FHLB and Federal Reserve Bank (“FRB”) borrowings472,000 284,966 66 %29,752 NM
Subordinated debentures and convertible notes, net111,675 111,316 0 %110,263 1 %
Accrued interest payable63,865 68,399 (7)%72,004 (11)%
Other liabilities171,981 182,361 (6)%167,526 3 %
Total liabilities$16,696,064 $16,373,484 2 %$16,322,900 2 %
Stockholders’ Equity:
Common stock, $0.001 par value$146 $146 0 %$146 0 %
Additional paid-in capital1,525,555 1,523,015 0 %1,520,129 0 %
Retained earnings1,199,120 1,183,986 1 %1,143,044 5 %
Treasury stock, at cost(273,384)(271,372)(1)%(264,667)(3)%
Accumulated other comprehensive loss, net(155,585)(152,395)(2)%(171,404)9 %
Total stockholders’ equity2,295,852 2,283,380 1 %2,227,248 3 %
Total liabilities and stockholders’ equity$18,991,916 $18,656,864 2 %$18,550,148 2 %
Common stock shares – authorized300,000,000 300,000,000 300,000,000 
Common stock shares – outstanding127,741,836 127,822,689 128,124,458 
Treasury stock shares18,155,561 17,986,996 17,382,835 
Table Page 1
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except share and per share data)
Three Months EndedSix Months Ended
6/30/20263/31/2026% change6/30/2025% change6/30/20266/30/2025% change
Interest and fees on loans$211,378 $205,919 3 %$211,363 0 %$417,297 $406,324 3 %
Interest on investment securities20,359 19,218 6 %17,769 15 %39,577 33,661 18 %
Interest on cash and deposits at other banks3,808 3,778 1 %8,783 (57)%7,586 13,988 (46)%
Interest on other investments and FHLB dividends632 1,229 (49)%1,177 (46)%1,861 2,285 (19)%
Total interest income236,177 230,144 3 %239,092 (1)%466,321 456,258 2 %
Interest on deposits 101,785 101,455 0 %118,852 (14)%203,240 232,437 (13)%
Interest on borrowings5,423 4,632 17 %2,785 95 %10,055 5,549 81 %
Total interest expense107,208 106,087 1 %121,637 (12)%213,295 237,986 (10)%
Net interest income128,969 124,057 4 %117,455 10 %253,026 218,272 16 %
Provision for credit losses6,770 8,650 (22)%11,092 (39)%15,420 15,892 (3)%
Net interest income after provision122,199 115,407 6 %106,363 15 %237,606 202,380 17 %
Service fees on deposit accounts3,395 3,335 2 %3,106 9 %6,730 6,027 12 %
Net gains on sales of SBA loans4,447 3,266 36 %3,998 11 %7,713 7,129 8 %
Other customer driven income and fees7,721 7,132 8 %6,323 22 %14,853 12,022 24 %
Net gains (losses) on sales of securities available for sale1,172 604 94 %(38,856)NM1,776 (38,856)NM
Other noninterest income2,115 2,630 (20)%2,473 (14)%4,745 6,410 (26)%
Total noninterest income (loss)18,850 16,967 11 %(22,956)NM35,817 (7,268)NM
Salaries and employee benefits56,901 56,223 1 %52,834 8 %113,124 101,294 12 %
Occupancy, furniture and equipment11,353 10,566 7 %11,093 2 %21,919 19,929 10 %
Software-related, data and item processing10,350 9,853 5 %9,210 12 %20,203 16,160 25 %
Amortization of investments in affordable housing partnerships2,554 2,474 3 %2,430 5 %5,028 4,391 15 %
FDIC assessment2,783 2,814 (1)%2,488 12 %5,597 4,990 12 %
FDIC special assessment expense (reversal)— (58)NM— 0 %(58)— NM
Earned interest credit2,501 2,383 5 %3,310 (24)%4,884 6,397 (24)%
Merger related costs2,058 234 NM17,281 NM2,292 19,800 NM
Other noninterest expense9,964 9,966 0 %10,827 (8)%19,930 20,373 (2)%
Total noninterest expense98,464 94,455 4 %109,473 (10)%192,919 193,334 0 %
Income (loss) before income taxes42,585 37,919 12 %(26,066)NM80,504 1,778 4,428 %
Income tax provision (benefit)9,554 8,379 14 %(1,316)NM17,933 5,432 230 %
Net income (loss)$33,031 $29,540 12 %$(24,750)NM$62,571 $(3,654)NM
Earnings (loss) per common share (“EPS”) – diluted$0.26 $0.23 12 %$(0.19)NM$0.49 $(0.03)NM
Weighted average shares outstanding – diluted128,308,861 128,723,654 128,001,605 128,474,397 124,426,400 
Table Page 2
Hope Bancorp, Inc.
Selected Financial Data
Unaudited
Three Months Ended Six Months Ended
Profitability measures (annualized, except as noted):6/30/20263/31/20266/30/20256/30/20266/30/2025
Earnings (loss) per common share - diluted (not annualized)$0.26 $0.23 $(0.19)$0.49 $(0.03)
Earnings (loss) per common share - diluted excluding notable items (not annualized) (1)
$0.27 $0.23 $0.19 $0.50 $0.38 
Return on average assets (“ROA”) 0.71 %0.64 %(0.53)%0.67 %(0.04)%
ROA excluding notable items (1)
0.74 %0.64 %0.53 %0.69 %0.53 %
Return on average equity (“ROE”)5.76 %5.14 %(4.45)%5.45 %(0.33)%
ROE excluding notable items (1)
6.02 %5.16 %4.42 %5.59 %4.34 %
Return on average tangible common equity (“ROTCE”) (1)
7.48 %6.66 %(5.83)%7.07 %(0.43)%
ROTCE excluding notable items (1)
7.81 %6.69 %5.79 %7.25 %5.62 %
Net interest margin2.96 %2.90 %2.69 %2.93 %2.62 %
Efficiency ratio (not annualized)66.61 %66.98 %115.85 %66.79 %91.63 %
Efficiency ratio excluding notable items (not annualized) (1)
65.22 %66.85 %69.13 %66.02 %69.45 %
(1) Earnings per common share - diluted excluding notable items, ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Pages 10 through 12.


Table Page 3
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands)
Three Months Ended
6/30/20263/31/20266/30/2025
InterestAnnualizedInterestAnnualizedInterestAnnualized
AverageIncome/AverageAverageIncome/AverageAverageIncome/ Average
BalanceExpenseYield/CostBalanceExpenseYield/CostBalanceExpense Yield/Cost
INTEREST EARNING ASSETS:
Loans, including loans held for sale$14,790,642 $211,378 5.73 %$14,689,516 $205,919 5.69 %$14,427,785 $211,363 5.88 %
Investment securities2,221,334 20,359 3.68 %2,149,595 19,218 3.63 %2,192,533 17,769 3.25 %
Interest earning cash and deposits at other banks420,971 3,808 3.63 %437,990 3,778 3.50 %807,979 8,783 4.36 %
FHLB stock and other investments51,839 632 4.89 %51,682 1,229 9.64 %98,052 1,177 4.81 %
Total interest earning assets$17,484,786 $236,177 5.42 %$17,328,783 $230,144 5.39 %$17,526,349 $239,092 5.47 %
 
INTEREST BEARING LIABILITIES:
Deposits:
Money market, interest bearing demand and savings$6,085,142 $43,728 2.88 %$5,862,722 $41,422 2.87 %$6,278,578 $51,884 3.31 %
Time deposits6,244,929 58,057 3.73 %6,357,880 60,033 3.83 %6,353,525 66,968 4.23 %
Total interest bearing deposits12,330,071 101,785 3.31 %12,220,602 101,455 3.37 %12,632,103 118,852 3.77 %
FHLB and FRB borrowings357,510 3,180 3.57 %284,936 2,408 3.43 %48,671 364 3.00 %
Subordinated debentures and convertible notes107,550 2,243 8.25 %107,198 2,224 8.30 %106,150 2,421 9.02 %
Total interest bearing liabilities$12,795,131 $107,208 3.36 %$12,612,736 $106,087 3.41 %$12,786,924 $121,637 3.82 %
Noninterest bearing demand deposits3,362,934 3,347,070 3,464,085 
Total funding liabilities/cost of funds$16,158,065 2.66 %$15,959,806 2.70 %$16,251,009 3.00 %
Net interest income/net interest spread$128,969 2.06 %$124,057 1.98 %$117,455 1.65 %
Net interest margin2.96 %2.90 %2.69 %
Cost of deposits:
Noninterest bearing demand deposits$3,362,934 $— — %$3,347,070 $— — %$3,464,085 $— — %
Interest bearing deposits12,330,071 101,785 3.31 %12,220,602 101,455 3.37 %12,632,103 118,852 3.77 %
Total deposits$15,693,005 $101,785 2.60 %$15,567,672 $101,455 2.64 %$16,096,188 $118,852 2.96 %

Table Page 4
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands)
Six Months Ended
6/30/20266/30/2025
InterestAnnualizedInterestAnnualized
AverageIncome/AverageAverageIncome/Average
BalanceExpenseYield/CostBalanceExpenseYield/Cost
INTEREST EARNING ASSETS:
Loans, including loans held for sale$14,740,359 $417,297 5.71 %$13,944,180 $406,324 5.88 %
Investment securities2,185,663 39,577 3.65 %2,138,471 33,661 3.17 %
Interest earning cash and deposits at other banks429,433 7,586 3.56 %653,106 13,988 4.32 %
FHLB stock and other investments51,761 1,861 7.25 %92,589 2,285 4.98 %
Total interest earning assets$17,407,216 $466,321 5.40 %$16,828,346 $456,258 5.47 %
INTEREST BEARING LIABILITIES:
Deposits:
Money market, interest bearing demand and savings$5,974,547 $85,150 2.87 %$5,867,886 $102,503 3.52 %
Time deposits6,301,092 118,090 3.78 %6,015,687 129,934 4.36 %
Total interest bearing deposits12,275,639 203,240 3.34 %11,883,573 232,437 3.94 %
FHLB and FRB borrowings321,423 5,588 3.51 %84,835 720 1.71 %
Subordinated debentures and convertible notes107,375 4,467 8.27 %105,983 4,829 9.06 %
Total interest bearing liabilities$12,704,437 $213,295 3.39 %$12,074,391 $237,986 3.97 %
Noninterest bearing demand deposits3,355,046 3,404,738 
Total funding liabilities/cost of funds$16,059,483 2.68 %$15,479,129 3.10 %
Net interest income/net interest spread$253,026 2.01 %$218,272 1.50 %
Net interest margin2.93 %2.62 %
Cost of deposits:
Noninterest bearing demand deposits$3,355,046 $— — %$3,404,738 $— — %
Interest bearing deposits12,275,639 203,240 3.34 %11,883,573 232,437 3.94 %
Total deposits$15,630,685 $203,240 2.62 %$15,288,311 $232,437 3.07 %


Table Page 5
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except per share data)
 Three Months Ended Six Months Ended
AVERAGE BALANCES:6/30/20263/31/2026% change6/30/2025% change6/30/20266/30/2025% change
Gross loans, including loans held for sale $14,790,642 $14,689,516 1 %$14,427,785 3 %$14,740,359 $13,944,180 6 %
Interest earning assets17,484,786 17,328,783 1 %17,526,349 0 %17,407,216 16,828,346 3 %
Goodwill and intangible assets527,594 525,532 0 %525,048 0 %526,569 496,002 6 %
Total assets18,707,236 18,521,103 1 %18,728,721 0 %18,614,684 17,911,091 4 %
Noninterest bearing demand deposits3,362,934 3,347,070 0 %3,464,085 (3)%3,355,046 3,404,738 (1)%
Interest bearing deposits12,330,071 12,220,602 1 %12,632,103 (2)%12,275,639 11,883,573 3 %
Total deposits15,693,005 15,567,672 1 %16,096,188 (3)%15,630,685 15,288,311 2 %
Stockholders’ equity2,293,446 2,299,203 0 %2,224,489 3 %2,296,309 2,186,495 5 %
End of Period
LOAN PORTFOLIO:6/30/20263/31/2026% change6/30/2025% change
Loans receivable (held for investment)$14,941,520 $14,639,689 2 %$14,438,491 3 %
Loans held for sale92,667 97,454 (5)%12,051 NM
Gross loans$15,034,187 $14,737,143 2 %$14,450,542 4 %
End of Period
CRE LOANS HELD FOR INVESTMENT BY PROPERTY TYPE:6/30/20263/31/2026% change6/30/2025% change
Multi-tenant retail$1,585,528 $1,586,993 0 %$1,589,994 0 %
Industrial warehouses1,303,250 1,282,413 2 %1,260,991 3 %
Gas stations and car washes1,177,756 1,160,481 1 %1,106,007 6 %
Multifamily1,171,422 1,189,481 (2)%1,211,785 (3)%
Hotels/motels820,725 826,422 (1)%754,449 9 %
Mixed-use facilities728,108 677,227 8 %671,144 8 %
Single-tenant retail631,319 648,494 (3)%647,374 (2)%
Office348,708 331,939 5 %340,329 2 %
All other749,908 754,223 (1)%803,691 (7)%
  Total CRE loans$8,516,724 $8,457,673 1 %$8,385,764 2 %
End of Period
DEPOSIT COMPOSITION:6/30/20263/31/2026% change6/30/2025% change
Noninterest bearing demand deposits$3,548,452 $3,387,757 5 %$3,485,502 2 %
Money market, interest bearing demand, and savings6,079,728 6,036,197 1 %6,102,999 0 %
Time deposits 6,248,363 6,302,488 (1)%6,354,854 (2)%
  Total deposits$15,876,543 $15,726,442 1 %$15,943,355 0 %


Table Page 6
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except share and per share data)
CAPITAL & CAPITAL RATIOS:6/30/20263/31/20266/30/2025
Total stockholders’ equity$2,295,852 $2,283,380 $2,227,248 
Total capital$2,183,849 $2,171,355 $2,095,343 
Common equity tier 1 ratio12.27 %12.36 %12.08 %
Tier 1 capital ratio 12.95 %13.05 %12.77 %
Total capital ratio 13.95 %14.07 %13.78 %
Leverage ratio 11.07 %11.11 %10.58 %
Total risk weighted assets$15,658,083 $15,428,025 $15,209,212 
Book value per common share$17.97 $17.86 $17.38 
Tangible common equity (“TCE”) per share (1)
$13.85 $13.73 $13.28 
TCE ratio (1)
9.58 %9.68 %9.44 %
(1) TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the accompanying financial information on Table Page 10.
ALLOWANCE FOR CREDIT LOSSES CHANGES:Three Months EndedSix Months Ended
6/30/20263/31/202612/31/20259/30/20256/30/20256/30/20266/30/2025
Balance at beginning of period$155,114 $156,661 $152,509 $149,505 $147,412 $156,661 $150,527 
Initial allowance for purchased credit deteriorated (“PCD”) loans and purchased seasoned loans (“PSL”) acquired (2)
— — — — 3,971 — 3,971 
Provision for losses on loans7,100 9,200 7,800 8,100 10,092 16,300 15,292 
Recoveries203 322 1,694 1,517 2,844 525 3,077 
Charge offs (9,199)(11,069)(5,342)(6,613)(14,814)(20,268)(23,362)
Balance at end of period$153,218 $155,114 $156,661 $152,509 $149,505 $153,218 $149,505 
(2) During the fourth quarter of 2025, the Company adopted ASU 2025-08 effective January 1, 2025, and applied the guidance to the acquisition of Territorial Bancorp, which was completed on April 2, 2025.
      The presentation of prior periods has been adjusted accordingly.
6/30/20263/31/202612/31/20259/30/20256/30/2025
Allowance for unfunded loan commitments$2,453 $2,783 $3,333 $3,933 $3,323 
Three Months EndedSix Months Ended
6/30/20263/31/202612/31/20259/30/20256/30/20256/30/20266/30/2025
Provision for losses on loans$7,100 $9,200 $7,800 $8,100 $10,092 $16,300 $15,292 
(Credit) provision for unfunded loan commitments(330)(550)(600)610 1,000 (880)600 
Provision for credit losses$6,770 $8,650 $7,200 $8,710 $11,092 $15,420 $15,892 
Table Page 7
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands)
Three Months EndedSix Months Ended
NET CHARGE OFFS (RECOVERIES):6/30/20263/31/202612/31/20259/30/20256/30/20256/30/20266/30/2025
CRE loans$389 $817 $(1,467)$(933)$(843)$1,206 $56 
C&I loans8,656 9,931 5,169 5,978 11,829 18,587 19,213 
Residential mortgage and other loans(49)(1)(54)51 984 (50)1,016 
Net charge offs$8,996 $10,747 $3,648 $5,096 $11,970 $19,743 $20,285 
Net charge offs/average loans (annualized)0.24 %0.29 %0.10 %0.14 %0.33 %0.27 %0.29 %

NONPERFORMING ASSETS:6/30/20263/31/202612/31/20259/30/20256/30/2025
Loans on nonaccrual status (1)
$111,973 $109,512 $131,747 $110,010 $110,739 
Accruing delinquent loans past due 90 days or more515 10,642 3,943 2,149 2,149 
Total nonperforming loans112,488 120,154 135,690 112,159 112,888 
Other real estate owned (“OREO”)365 365 365 — — 
Total nonperforming assets$112,853 $120,519 $136,055 $112,159 $112,888 
Nonperforming assets/total assets0.59 %0.65 %0.73 %0.61 %0.61 %
Nonperforming loans/loans receivable0.75 %0.82 %0.92 %0.77 %0.78 %
Nonaccrual loans/loans receivable0.75 %0.75 %0.90 %0.75 %0.77 %
Allowance for credit losses/loans receivable1.03 %1.06 %1.07 %1.05 %1.04 %
Allowance for credit losses/nonperforming loans136.21 %129.10 %115.46 %135.98 %132.44 %
(1) Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $17.1 million, $19.4 million, $15.6 million, $15.3 million, and $15.3 million, at June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, and June 30, 2025, respectively.
NONACCRUAL LOANS BY TYPE:6/30/20263/31/202612/31/20259/30/20256/30/2025
CRE loans$63,647 $52,920 $65,106 $54,016 $55,368 
C&I loans31,724 42,538 53,136 45,494 46,945 
Residential mortgage and other loans16,602 14,054 13,505 10,500 8,426 
   Total nonaccrual loans$111,973 $109,512 $131,747 $110,010 $110,739 
Table Page 8
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands)
ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE:6/30/20263/31/202612/31/20259/30/20256/30/2025
30 - 59 days past due$11,700 $29,621 $19,056 $15,788 $4,909 
60 - 89 days past due7,306 59 4,244 5,117 2,843 
   Total accruing delinquent loans 30-89 days past due$19,006 $29,680 $23,300 $20,905 $7,752 
ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE BY TYPE:6/30/20263/31/202612/31/20259/30/20256/30/2025
CRE loans$15,917 $11,819 $12,064 $14,872 $4,377 
C&I loans810 604 2,209 3,356 1,084 
Residential mortgage and other loans2,279 17,257 9,027 2,677 2,291 
   Total accruing delinquent loans 30-89 days past due$19,006 $29,680 $23,300 $20,905 $7,752 
CRITICIZED LOANS:6/30/20263/31/202612/31/20259/30/20256/30/2025
Special mention loans$128,994 $72,668 $94,003 $131,384 $137,313 
Classified loans205,283 252,410 257,113 241,483 277,418 
   Total criticized loans$334,277 $325,078 $351,116 $372,867 $414,731 
Table Page 9
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except share and per share data)
Reconciliation of GAAP financial measures to non-GAAP financial measures
Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below.
TANGIBLE COMMON EQUITY (“TCE”)6/30/20263/31/20266/30/2025
Total stockholders’ equity$2,295,852 $2,283,380 $2,227,248 
Goodwill and core deposit intangible assets, net(526,890)(528,021)(525,428)
TCE$1,768,962 $1,755,359 $1,701,820 
Total assets$18,991,916 $18,656,864 $18,550,148 
Goodwill and core deposit intangible assets, net(526,890)(528,021)(525,428)
Tangible assets$18,465,026 $18,128,843 $18,024,720 
TCE ratio (TCE / tangible assets)9.58 %9.68 %9.44 %
Common shares outstanding127,741,836 127,822,689 128,124,458 
Book value per share (GAAP)$17.97 $17.86 $17.38 
TCE per share$13.85 $13.73 $13.28 
Three Months EndedSix Months Ended
RETURN ON AVERAGE TANGIBLE COMMON EQUITY (“ROTCE”)6/30/20263/31/20266/30/20256/30/20266/30/2025
Average stockholders’ equity$2,293,446 $2,299,203 $2,224,489 $2,296,309 $2,186,495 
Average goodwill and core deposit intangible assets, net(527,594)(525,532)(525,048)(526,569)(496,002)
Average TCE$1,765,852 $1,773,671 $1,699,441 $1,769,740 $1,690,493 
Net income (loss) (GAAP)$33,031 $29,540 $(24,750)$62,571 $(3,654)
ROTCE (annualized)7.48 %6.66 %(5.83)%7.07 %(0.43)%
Table Page 10
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except share and per share data)
Three Months EndedSix Months Ended
PRE-PROVISION NET REVENUE (“PPNR”)6/30/20263/31/2026% change6/30/2025% change6/30/20266/30/2025% change
Net interest income$128,969 $124,057 4 %$117,455 10 %$253,026 $218,272 16 %
Noninterest income18,850 16,967 11 %(22,956)NM35,817 (7,268)NM
Revenue147,819 141,024 5 %94,499 56 %288,843 211,004 37 %
Less: Noninterest expense98,464 94,455 4 %109,473 (10)%192,919 193,334 — %
PPNR$49,355 $46,569 6 %$(14,974)NM$95,924 $17,670 443 %
Notable items:
Loss on investment portfolio repositioning$— $— $38,856 $— $38,856 
FDIC special assessment expense (reversal)— (58)— (58)— 
Merger related costs2,058 234 17,281 2,292 19,800 
Total notable items included in PPNR2,058 176 56,137 2,234 58,656 
PPNR, excluding notable items$51,413 $46,745 10 %$41,163 25%$98,158 $76,326 29 %
Three Months EndedSix Months Ended
PROFITABILITY EXCLUDING NOTABLE ITEMS6/30/20263/31/2026% change6/30/2025% change6/30/20266/30/2025% change
Net income (loss) (GAAP)$33,031 $29,540 12 %$(24,750)NM$62,571 $(3,654)NM
Notable items:
Merger-related provision for credit losses— — 553 — 553 
Loss on investment portfolio repositioning— — 38,856 — 38,856 
FDIC special assessment expense (reversal)— (58)— (58)— 
Merger related costs2,058 234 17,281 2,292 19,800 
Total notable items included in pre-tax income2,058 176 56,690 2,234 59,209 
Tax effect on notable items in pre-tax income(590)(50)(12,221)(640)(12,962)
Notable impact from California state tax apportionment law change— — 4,878 — 4,878 
Total notable items, net of tax1,468 126 49,347 1,594 51,125 
Net income excluding notable items$34,499 $29,666 16 %$24,597 40 %$64,165 $47,471 35 %
Diluted common shares128,308,861 128,723,654 128,001,605 128,474,397 124,426,400 
EPS excluding notable items$0.27 $0.23 17 %$0.19 40 %$0.50 $0.38 31 %
Average assets$18,707,236 $18,521,103 $18,728,721 $18,614,684 $17,911,091 
ROA excluding notable items (annualized)0.74 %0.64 %0.53 %0.69 %0.53 %
Average equity$2,293,446 $2,299,203 $2,224,489 $2,296,309 $2,186,495 
ROE excluding notable items (annualized)6.02 %5.16 %4.42 %5.59 %4.34 %
Average TCE$1,765,852 $1,773,671 $1,699,441 $1,769,740 $1,690,493 
ROTCE excluding notable items (annualized)7.81 %6.69 %5.79 %7.25 %5.62 %
Table Page 11
Hope Bancorp, Inc.
Selected Financial Data
Unaudited (dollars in thousands, except share and per share data)

Three Months EndedSix Months Ended
NONINTEREST INCOME EXCLUDING NOTABLE ITEMS6/30/20263/31/20266/30/20256/30/20266/30/2025
Noninterest income (loss)$18,850 $16,967 $(22,956)$35,817 $(7,268)
Notable items:
Loss on investment portfolio repositioning— — 38,856 — 38,856 
Noninterest income excluding notable items$18,850 $16,967 $15,900 $35,817 $31,588 
Three Months EndedSix Months Ended
EFFICIENCY RATIO EXCLUDING NOTABLE ITEMS6/30/20263/31/20266/30/20256/30/20266/30/2025
Noninterest expense$98,464 $94,455 $109,473 $192,919 $193,334 
Notable items:
FDIC special assessment expense reversal— 58 — 58 — 
Merger related costs(2,058)(234)(17,281)(2,292)(19,800)
Noninterest expense excluding notable items$96,406 $94,279 $92,192 $190,685 $173,534 
Revenue$147,819 $141,024 $94,499 $288,843 $211,004 
Notable items:
Loss on investment portfolio repositioning— — 38,856 — 38,856 
Revenue excluding notable items$147,819 $141,024 $133,355 $288,843 $249,860 
Efficiency ratio excluding notable items65.22 %66.85 %69.13 %66.02 %69.45 %
Three Months EndedSix Months Ended
EFFECTIVE TAX RATE EXCLUDING NOTABLE ITEMS6/30/20263/31/20266/30/20256/30/20266/30/2025
Income (loss) before income taxes$42,585 $37,919 $(26,066)$80,504 $1,778 
Notable items before tax effect2,058 176 56,690 2,234 59,209 
Income before tax excluding notable items$44,643 $38,095 $30,624 $82,738 $60,987 
GAAP income tax provision (benefit)$9,554 $8,379 $(1,316)$17,933 $5,432 
Tax effect on notable items in pre-tax income590 50 12,221 640 12,962 
Notable impact from California state tax apportionment law change— — (4,878)— (4,878)
Income tax provision excluding notable items$10,144 $8,429 $6,027 $18,573 $13,516 
Effective tax rate excluding notable items22.72 %22.13 %19.68 %22.45 %22.16 %
Table Page 12
2026 Second Quarter Earnings Conference Call July 27, 2026

 
Forward Looking Statements & Additional Disclosures Some statements in this news release may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements include, but are not limited to, statements preceded by, followed by or that include the words “will”, “believes”, “expects”, “anticipates”, “intends”, “plans”, “estimates”, “projects”, and similar expressions and statements regarding Hope Bancorp’s strategic initiatives, the pending acquisition of the Commercial Banking Unit of SMBC MANUBANK (“MANUBANK”), and Hope Bancorp’s future financial and operational results and capital allocation strategy. With respect to any such forward-looking statements, Hope Bancorp claims the protection provided for in the Private Securities Litigation Reform Act of 1995. These statements involve risks and uncertainties. Hope Bancorp’s actual results, performance or achievements may differ significantly from the results, performance or achievements expressed or implied in any forward-looking statements. With the consummation of the pending acquisition of MANUBANK, factors that may cause actual outcomes to differ from what is expressed or forecasted in these forward-looking statements include, among other things: the failure of the conditions to closing to be satisfied or waived; difficulties and delays in integrating Hope Bancorp and MANUBANK and achieving anticipated synergies, cost savings and other benefits from the transaction; higher than anticipated transaction costs; and deposit attrition, operating costs, customer loss and business disruption following the acquisition, including difficulties in maintaining relationships with employees and customers, which may be greater than expected. The closing of the proposed transaction is subject to regulatory approvals and the satisfaction of other customary closing conditions. Other risks and uncertainties include, but are not limited to: possible deterioration of economic conditions in Hope Bancorp’s areas of operation and in the U.S. generally or elsewhere, including as a result of the interest rate environment, supply chain disruptions, inflation, labor shortages, changes in the housing and real estate markets, consumer confidence and spending habits; risk of adverse economic or political conditions in South Korea; interest rate risk associated with volatile interest rates and related asset-liability matching risk; liquidity risks; the possibility that Hope Bancorp may discontinue or otherwise limit repurchases of its common stock; risk of significant non-earning assets and net credit losses that could occur, particularly in times of weak economic conditions or rising interest rates; the failure of or changes to assumptions and estimates underlying Hope Bancorp’s allowance for credit losses; risk of natural disasters; risk of cybersecurity incidents; potential increases in deposit insurance assessments and regulatory risks associated with current and future regulations; the outcome of any legal proceedings that may be instituted against Hope Bancorp; and the impact of U.S. and global trade policies, including changes in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom fluctuations in commodity prices such as oil, as well as geopolitical instability and international tensions. For additional information concerning these and other risk factors, see Hope Bancorp’s most recent Annual Report on Form 10-K and other documents Hope Bancorp files with the SEC from time to time. Hope Bancorp does not undertake, and specifically disclaims, any obligation to update any forward-looking statements to reflect the occurrence of events or circumstances after the date of such statements except as required by law. 2

 
Q2 2026 Financial Overview – Continued Progress on Key Priorities Capital - Strong position and effective deployment • Total capital ratio was 13.95% at 06/30/26; tangible common equity (“TCE”) ratio(1) was 9.58% at 06/30/26 • Repurchased ~773 thousand common shares in 1H26; declared common stock dividend of $0.14 per share per quarter • Continued progress toward completing the acquisition of the Commercial Banking Unit of SMBC MANUBANK (“MANUBANK”); expected to close in 2H26, subject to regulatory approvals and other customary closing conditions Deposits – Continued growth and mix improvement • Total deposits of $15.9B at 06/30/26, +1% QoQ (+4% annualized) • Non-maturity interest bearing deposits up 1% QoQ; noninterest bearing demand deposits up 5% QoQ; planned decrease of higher- cost time deposits to support continued improvement in the cost of funds Loans – Broad-based growth • Gross loans of $15.0B at 06/30/26, +2% QoQ (+8% annualized). Growth led by commercial & industrial (“C&I”), with additional contributions from commercial real estate and residential mortgage • Gross loan-to-deposit ratio of 94.7% at 06/30/26 Asset Quality – Stable credit quality QoQ and meaningful improvement YoY • Criticized loans were $334MM (2.24% of total loans receivable) at 06/30/26, up 3% QoQ and down 19% YoY • Classified loans were $205MM (1.37% of total loans receivable) at 06/30/26, down 19% QoQ and down 26% YoY • Nonperforming assets (“NPA”) down 6% QoQ to $113MM at 06/30/26 or 0.59% of total assets Earnings – Improved profitability • 2Q26 highlights: revenue growth and positive operating leverage, driven by loan growth, net interest margin expansion, lower funding costs, customer fee income growth and expense discipline ✓ 2Q26 reported earnings: $0.26 per diluted common share, up 12% QoQ. 2Q25 loss per share of $(0.19) included notable items related to merger expenses, securities repositioning and CA tax law change ✓ 2Q26 earnings excluding notable items(1): $0.27 per diluted common share, up 17% QoQ and up 40% YoY • All profitability ratios improved QoQ and YoY Total Capital & TCE Ratio(1) at 06/30/26 13.95% / 9.58% NPA/Total Assets at 06/30/26 0.59% Gross Loans at 06/30/26 $15.0B Total Deposits at 06/30/26 $15.9B 2Q26 Reported Net Income / EPS $33.0MM / $0.26 2Q26 Pre-Provision Net Revenue(1) $49.4MM (1) TCE ratio, pre-provision net revenue, and earnings per share excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. Pre-provision net revenue is defined as total revenue (net interest income plus noninterest income) less noninterest expense, before provision for credit losses and income taxes. 3

 
5.00% 5.00% 6.50% 10.00% TCE Ratio Leverage Ratio CET1 Capital Ratio Total Capital Ratio Well Capitalized Regulatory Minimum Capital above well capitalized regulatory minimum Strong Capital Ratios and Effective Capital Management • Returning capital to stockholders: – Dividend: Quarterly common stock dividend of $0.14 per share, or $0.56 per share annualized. Equivalent to an annualized dividend yield of 4.09% at 06/30/26 – Repurchases: Repurchased 772,726 shares of common stock in 1H26 at an average price of $11.25 per share. $27MM remains available under current share repurchase authorization at 06/30/26 • Strong capital ratios provide flexibility to support growth and capital returns • Capital remains comfortably above regulatory well-capitalized thresholds • Strategic acquisition of MANUBANK: – Opportunity to expand middle market and multinational banking capabilities, add specialty deposit verticals and broaden footprint in Southern California – Expected to enhance earnings capacity and returns on tangible equity, as well as support effective capital management – Anticipated to close in 2H26, subject to regulatory approvals and the satisfaction of other customary closing conditions Capital Ratios Capital Ratio Comparison at 06/30/2026 06/30/2026 03/31/2026 06/30/2025 Leverage Ratio 11.07% 11.11% 10.58% Common Equity Tier 1 ("CET1") Capital Ratio 12.27% 12.36% 12.08% Tier 1 Capital Ratio 12.95% 13.05% 12.77% Total Capital Ratio 13.95% 14.07% 13.78% Tangible Common Equity (“TCE”) Ratio(1) 9.58% 9.68% 9.44% TCE Per Share(1) $13.85 $13.73 $13.28 4 9.58% 11.07% 12.27% 13.95% (1) TCE ratio and TCE per share are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non- GAAP financial measures are provided in the Appendix of this presentation. (1)

 
Nonowner- Occupied CRE C&I Owner- Occupied CRE Residential Mortgage & Other Multifamily Residential Noninterest Bearing Demand Deposits Money Market, Interest Bearing Demand & Savings Deposits Time Deposits Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base Loan Composition by Product Type Deposit Composition by Product Type $15.9B Total Deposits (at 06/30/26) $1.2B (8%) $15.0B Gross Loans(1) (at 06/30/26) $4.6B (30%) $3.9B (26%) $6.2B (40%) $6.1B (38%) $3.6B (22%) $2.5B (17%) $2.8B (19%) • Gross loans, including loans held for sale, totaled $15.0B at 06/30/26, up 2% QoQ (8% annualized) and up 4% YoY • QoQ and YoY growth across the major portfolios of CRE, C&I and residential mortgage. Reflected continued customer demand across the Company’s lending businesses • Total deposits of $15.9B at 06/30/26, up 1% QoQ (4% annualized) and down slightly YoY • Non-maturity interest bearing deposits (excluding time deposits) up 1% QoQ and noninterest bearing demand deposits up 5% QoQ. Planned decrease in time deposits to support a lower cost of funds • Benefits of Territorial Bancorp acquisition: customer retail deposit growth in Hawaii up 6% year-to-date (1) Including loans held for sale. 5

 
Growing Net Interest Income and Improving Net Interest Margin • 2Q26 net interest income (“NII”) of $129MM, up 4% QoQ, reflected net interest margin (“NIM”) expansion and average loan growth. NII up 10% YoY from $117MM • 2Q26 NIM of 2.96%, up 6bps QoQ, primarily driven by positive impact of higher loan yields and lower funding costs • 2Q26 NIM up 27bps YoY, largely driven by a 46bps YoY decrease in cost of interest bearing deposits. Interest bearing deposit cost reduction reflected cuts in Federal Funds target rate over the period and positive impact of Territorial Bancorp acquisition, which contributed lower cost deposits to the Bank’s funding mix Net Interest Income & Net Interest Margin 2.96% 2.90% -1bp 2Q26 NIM Expansion QoQ Change in Net Interest Margin 1Q26 2Q26 Net impact of balance sheet mix change Decrease in funding costs +4bps Increase in loan yields +3bps $117 $127 $127 $124 $129 2.69% 2.89% 2.90% 2.90% 2.96% 2Q25 3Q25 4Q25 1Q26 2Q26 Net Interest Income NIM (annualized) 6 ($ Millions) +6bps QoQ (%)

 
$12.6 $12.4 $12.3 $12.2 $12.3 $3.5 $3.5 $3.5 $3.3 $3.4 2Q25 3Q25 4Q25 1Q26 2Q26 Avg Interest Bearing ("IB") Deposits Avg Non IB Deposits 90% 91% 93% 94% 94% 2.96% 2.88% 2.75% 2.64% 2.60% 3.77% 3.69% 3.52% 3.37% 3.31% 4.50% 4.46% 4.02% 3.75% 3.75% 2Q25 3Q25 4Q25 1Q26 2Q26 Cost of Total Deposits (annualized) Cost of IB Deposits (annualized) Avg Fed Funds Upper Target Rate Average Loans, Deposits, Yields & Rates 5.88% 5.92% 5.80% 5.69% 5.73% 4.50% 4.46% 4.02% 3.75% 3.75% 2Q25 3Q25 4Q25 1Q26 2Q26 Avg Loan Yield (annualized) Avg Fed Funds Upper Target Rate Average Deposits Average Loans ($ Billions) ($ Billions) $14.4 $14.5 $14.6 $14.7 $14.8 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 2Q25 3Q25 4Q25 1Q26 2Q26 Costs of Average Deposits Relative to Fed Funds Rate Average Loan Yields Relative to Fed Funds Rate $15.8$15.9$16.1 $15.6 Avg Loan-to-Deposit Ratio 7 $15.7

 
Positive Momentum in Noninterest Income • 2Q26 noninterest income increased to $19MM, up $2MM QoQ, and up $3MM YoY, excluding notable items(1)(2) • QoQ growth reflected higher net gains on SBA loan sales, growth in customer-related income and fees, and increased net gains on the sale of AFS securities • Sold $68MM of SBA loans in 2Q26 for a net gain of $4MM, compared with $53MM sold in 1Q26 for a net gain of $3MM. Reflected higher volume of loans sold and higher sale premiums • Customer driven income and fees, including deposit service fees, up 6% QoQ and up 18% YoY $3.1 $3.2 $3.2 $3.3 $3.4 $4.0 $2.8 $2.6 $3.3 $4.4 $1.2 $0.6 $1.2 $6.3 $5.9 $9.1 $7.1 $7.7 $2.5 $3.5 $2.3 $2.7 $2.2 2Q25 3Q25 4Q25 1Q26 2Q26 Service Fees on Deposit Accounts Net Gains on SBA Loan Sales Net Gains on AFS Securities Sale Other Customer Driven Income & Fees Other Noninterest Income $(23.0) Noninterest Income (excluding notable items)(1) ($ Millions) $15.9(2) (1) Noninterest income excluding notable items is a non-GAAP financial measure. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. (2) Notable items in 2Q25 included a net loss on sales of securities AFS of $38.9MM from securities portfolio repositioning. GAAP Noninterest Loss $15.4 $18.4 $17.0 8 $18.9

 
Noninterest Expense Discipline & Improved Efficiency 115.8% 68.2% 68.2% 67.0% 66.6% 69.1% 67.5% 68.2% 66.9% 65.2% 2Q25 3Q25 4Q25 1Q26 2Q26 Efficiency Ratio (GAAP) Efficiency Ratio (ex. notable items) $52.3 $54.1 $57.9 $56.2 $56.9 $11.1 $11.6 $11.5 $10.6 $11.4 $9.2 $9.7 $9.8 $9.9 $10.3 $19.6 $20.5 $20.1 $17.6 $17.8 2Q25 3Q25 4Q25 1Q26 2Q26 Salary & Employee Benefits Occupancy & FF&E Software & Data Processing Other Expenses Efficiency Ratio $92.2 $95.9 Noninterest Expense (excluding notable items)(1)(2) ($ Millions) GAAP Noninterest Expense $109.5 $96.9 (2) $99.3 $99.4 Reflects the close of the Territorial Bancorp acquisition (merger related costs) and the securities portfolio repositioning loss in 2Q25 $94.3 $94.5 $96.4 $98.5 • 2Q26 GAAP noninterest expense of $98.5MM, up $2MM or 4% QoQ. 2Q26 notable items included $2MM of merger-related costs • QoQ noninterest expense (ex-notable items)(2) increased 2%, reflecting prudent expense control across all key areas of operating expenses. 2Q26 revenue growth outpaced growth in expenses, resulting in positive operating leverage • 2Q26 efficiency ratio (ex-notable items)(2) improved to 65.2%, down from 66.9% for 1Q26 and down from 69.1% for 2Q25 (1) The noninterest expense chart columns represent noninterest expense excluding notable items. (2) Noninterest expense excluding notable items and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. 9

 
Stable Asset Quality, Meaningfully Improved YoY • Allowance for credit losses (“ACL”) of $153MM; ACL coverage ratio 1.03% of loans receivable at 06/30/26 vs. 1.06% at 03/31/26 and 1.04% at 06/30/25 • Criticized loans of $334MM at 06/30/26, up $9MM, or 3%, QoQ; meaningfully down $80MM, or 19%, YoY • Criticized loan ratio 2.24% of total loans receivable at 06/30/26, vs. 2.22% at 03/31/26, and down 63bps YoY from 2.87% at 06/30/25 • Net charge-offs ("NCO") of $9MM in 2Q26, or 24bps of avg. loans annualized, down from $11MM, or 29bps of avg. loans annualized, in 1Q26 • 2Q26 provision for credit losses of $7MM, vs. $9MM in 1Q26, primarily reflected lower net charge-offs $150 $153 $157 $155 $153 1.04% 1.05% 1.07% 1.06% 1.03% 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 ACL ACL Coverage Ratio Provision for Credit Losses & Net Charge-Offs Nonperforming Assets Ratio Allowance for Credit Losses & Coverage Ratio Criticized Loan Ratio $11 $9 $7 $9 $7 $12 $5 $4 $11 $9 0.33% 0.14% 0.10% 0.29% 0.24% 2Q25 3Q25 4Q25 1Q26 2Q26 Provision for Credit Losses NCO NCO Ratio (ann.) ($ Millions) ($ Millions) 0.61% 0.61% 0.73% 0.65% 0.59% 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 NPAs/Total Assets 10 2.87% 2.56% 2.39% 2.22% 2.24% 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 Total Criticized Loans as a % of Total Loans (%)

 
Management Financial Outlook for Full Year 2026 vs. 2025 Metric 2025 ($ Millions) Outlook for 2026 (1) Comments End-of-Period Gross Loans $ 14,788 ~ 20% growth (unchanged) ▪ Combination of organic growth and impact of the pending MANUBANK acquisition, expected to close in second half of 2026, subject to regulatory approvals and satisfaction of other customary closing conditions ▪ Moderating organic CRE loan growth ahead of the pending MANUBANK acquisition to manage pro forma loan concentration Total Revenue(2) (Net Interest Income + Noninterest Income) (excluding notable items) $ 538 ~ 15-20% growth (unchanged) ▪ No Fed Funds target rate cuts or hikes assumed in 2026 ▪ Impact of MANUBANK operations after transaction close Pre-Provision Net Revenue(2) (excluding notable items) $ 169 ~ 25-30% growth (unchanged) ▪ Cost savings benefits from pending MANUBANK acquisition to begin in 2027 ▪ Impact of MANUBANK operations after transaction close (1) The Financial Outlook for 2026 is presented as of July 27, 2026, reflects the Company’s updated financial outlook for full year 2026 vs. actual results for full year 2025, and will not be updated or affirmed unless and until the Company publicly announces such update or affirmation. The Company’s financial outlook for 2026 is dependent on macroeconomic factors, including, but not limited to, the impact of U.S. and global trade policies, geopolitical instability and international tensions, changes to market interest rates, and reflects expectations as of the date of this presentation. It is also dependent on the pending acquisition of the Commercial Banking Unit of SMBC MANUBANK, which is subject to regulatory approvals and other customary closing conditions. The Financial Outlook for 2026 contains Forward-Looking Statements and actual results or conditions may differ materially and adversely from those included in the Financial Outlook for 2026. Please refer to the “forward-looking statements” on Slide 2 of this presentation. (2) Noninterest income excluding notable items and pre-tax, pre-provision revenue excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. 11

 
APPENDIX

 
2Q26: Summary Balance Sheet ($ in millions, except per share data) 06/30/2026 03/31/2026 QoQ % change 06/30/2025 YoY % change Cash and due from banks $640.4 $594.8 8% $689.7 -7% Investment securities 2,179.3 2,186.0 0% 2,268.9 -4% Federal Home Loan Bank (“FHLB”) stock and other investments 70.4 68.8 2% 106.8 -34% Gross loans 15,034.2 14,737.1 2% 14,450.5 4% Allowance for credit losses (153.2) (155.1) -1% (149.5) 2% Goodwill and intangible assets 526.9 528.0 0% 525.4 0% Other assets 693.9 697.3 0% 658.3 5% Total assets $18,991.9 $18,656.9 2% $18,550.1 2% Deposits $15,876.5 $15,726.4 1% $15,943.4 0% Borrowings & other debt 583.7 396.3 47% 140.0 317% Other liabilities 235.8 250.8 -6% 239.5 -2% Total liabilities $16,696.0 $16,373.5 2% $16,322.9 2% Total stockholders’ equity $2,295.9 $2,283.4 1% $2,227.2 3% Book value per share $17.97 $17.86 1% $17.38 3% TCE per share(1) $13.85 $13.73 1% $13.28 4% TCE ratio(1) 9.58% 9.68% 9.44% Loan-to-deposit ratio 94.7% 93.7% 90.6% (1) TCE per share and TCE ratio are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. 13

 
2Q26: Summary Income Statement ($ in thousands, except share and per share data) 2Q26 1Q26 QoQ % change 2Q25 YoY % change Net interest income before provision for credit losses $128,969 $124,057 4% $117,455 10% Provision for credit losses 6,770 8,650 -22% 11,092 -39% Net interest income after provision for credit losses 122,199 115,407 6% 106,363 15% Noninterest income (loss) 18,850 16,967 11% (22,956) NM Noninterest income excluding notable items(1) 18,850 16,967 11% 15,900 19% Noninterest expense 98,464 94,455 4% 109,473 -10% Noninterest expense excluding notable items(1) 96,406 94,279 2% 92,192 5% Income (loss) before income taxes 42,585 37,919 12% (26,066) NM Income tax provision (benefit) 9,554 8,379 14% (1,316) NM Net income (loss) $33,031 $29,540 12% $(24,750) NM Net income excluding notable items(1) $34,499 $29,666 16% $24,597 40% Earnings (loss) per share – Diluted $0.26 $0.23 12% $(0.19) NM Earnings per share excluding notable items(1) – Diluted $0.27 $0.23 17% $0.19 40% Weighted Average Shares Outstanding – Diluted 128,308,861 128,723,654 128,001,605 (1) Noninterest income excluding notable items, noninterest expense excluding notable items, net income excluding notable items, and diluted earnings per share excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. 14

 
2Q26: Summary Profitability Ratios (Ratios, except per share data; annualized, except as noted) 2Q26 1Q26 2Q25 Earnings (loss) per common share – diluted (not annualized) $0.26 $0.23 $(0.19) Earnings per common share – diluted excluding notable items (not annualized)(1) $0.27 $0.23 $0.19 Return on average assets (“ROA”) 0.71% 0.64% -0.53% ROA excluding notable items(1) 0.74% 0.64% 0.53% Return on average equity (“ROE”) 5.76% 5.14% -4.45% ROE excluding notable items(1) 6.02% 5.16% 4.42% Return on average tangible common equity (“ROTCE”)(1) 7.48% 6.66% -5.83% ROTCE excluding notable items(1) 7.81% 6.69% 5.79% Net interest margin 2.96% 2.90% 2.69% Efficiency ratio (not annualized) 66.61% 66.98% 115.85% Efficiency ratio excluding notable items (not annualized)(1) 65.22% 66.85% 69.13% (1) Earnings per common share - diluted excluding notable items, ROA excluding notable items, ROE excluding notable items, ROTCE, ROTCE excluding notable items, and efficiency ratio excluding notable items are non-GAAP financial measures. Quantitative reconciliations of the most directly comparable GAAP to non-GAAP financial measures are provided in the Appendix of this presentation. 15

 
2Q26: Non-GAAP Financial Measures Reconciliation Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. Noninterest Expense & Efficiency Ratio Excluding Notable Items ($ in thousands) 2Q26 1Q26 2Q25 Noninterest expense $98,464 $94,455 $109,473 Notable items: FDIC special assessment expense reversal $- $58 $- Merger related costs (2,058) (234) (17,281) Noninterest expense excluding notable items $96,406 $94,279 $92,192 Revenue $147,819 $141,024 $94,499 Notable items: Loss on investment portfolio repositioning - - 38,856 Revenue excluding notable items $147,819 $141,024 $133,355 Efficiency ratio excluding notable items 65.22% 66.85% 69.13% Tangible Common Equity (TCE)Pre-provision Net Revenue (PPNR) Excluding Notable Items ($ in thousands, except share and per share info) 06/30/2026 03/31/2026 06/30/2025 Total stockholders’ equity $2,295,852 $2,283,380 $2,227,248 Goodwill and core deposit intangible assets, net (526,890) (528,021) (525,428) TCE $1,768,962 $1,755,359 $1,701,820 Total assets $18,991,916 $18,656,864 $18,550,148 Goodwill and core deposit intangible assets, net (526,890) (528,021) (525,428) Tangible assets $18,465,026 $18,128,843 $18,024,720 TCE ratio (TCE / tangible assets) 9.58% 9.68% 9.44% Common shares outstanding 127,741,836 127,822,689 128,124,458 TCE per share $13.85 $13.73 $13.28 ($ in thousands) 2Q26 1Q26 2Q25 Net interest income $128,969 $124,057 $117,455 Noninterest income 18,850 16,967 (22,956) Revenue $147,819 $141,024 $94,499 Less: noninterest expense 98,464 94,455 109,473 PPNR $49,355 $46,569 $(14,974) Notable items: Loss on investment portfolio repositioning $- $- $38,856 FDIC special assessment expense (reversal) - (58) - Merger related costs 2,058 234 17,281 Total notable items included in PPNR 2,058 176 56,137 PPNR, excluding notable items $51,413 $46,745 $41,163 16 Noninterest Income Excluding Notable Items ($ in thousands) 2Q26 1Q26 2Q25 Noninterest income (loss) $18,850 $16,967 $(22,956) Notable items: Loss on investment portfolio repositioning - - 38,856 Noninterest income excluding notable items $18,850 $16,967 $15,900

 
2Q26: Non-GAAP Financial Measures Reconciliation (cont’d) Profitability & Ratios Excluding Notable Items ($ in thousands, except share and per share info) 2Q26 1Q26 2Q25 Net income (loss) (GAAP) $33,031 $29,540 $(24,750) Notable items: Merger related provision for credit losses $- $- $553 Loss on investment portfolio repositioning - - 38,856 FDIC special assessment expense (reversal) - (58) - Merger related costs 2,058 234 17,281 Total notable items included in pre-tax income $2,058 $176 $56,690 Tax effect on notable items in pre-tax income (590) (50) (12,221) Notable impact from CA tax apportionment law change — — 4,878 Total notable items, net of tax 1,468 126 49,347 Net income excluding notable items $34,499 $29,666 $24,597 Diluted common shares 128,308,861 128,723,654 128,223,991 EPS excluding notable items $0.27 $0.23 $0.19 Average assets 18,707,236 18,521,103 18,728,721 ROA excluding notable items (annualized) 0.74% 0.64% 0.53% Average stockholders’ equity 2,293,446 2,299,203 2,224,489 ROE excluding notable items (annualized) 6.02% 5.16% 4.42% Average TCE 1,765,852 1,773,671 1,699,441 ROTCE excluding notable items (annualized) 7.81% 6.69% 5.79% Management reviews select non-GAAP financial measures in evaluating the Company’s and the Bank’s financial performance and in response to market participant interest. Reconciliations of the most directly comparable GAAP to non-GAAP financial measures utilized by management are provided below. 17

 
2Q26: Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) < 50%, 59% 50% - 55%: 9% > 55% - 60%: 9% > 70%: 8%$8.5B CRE Portfolio (at 06/30/26) 47% Weighted Avg LTV(1) (1) Excludes loans held for sale. (2) Weighted average loan-to-value (“LTV”): Current loan balance divided by updated collateral value. Collateral value updates most recent available appraisal by using CoStar market and property-specific data, including submarket appreciation or depreciation, and changes to vacancy, debt service coverage or rent/sq foot. • Total CRE loans of $8.5B at 06/30/26. Portfolio consists of $4.6B of nonowner-occupied CRE, $2.8B of owner-occupied CRE, and $1.2B of multifamily residential loans $8.5B CRE Portfolio (at 06/30/26) As a % of Loans(1): Avg Loan Size: Weighted Avg LTV(2): 11% Multi-tenant Retail $1,586MM $2.5MM 41.9% 9% Industrial & Warehouse $1,303MM $2.7MM 41.7% 8% Gas Station & Car Wash $1,178MM $2.0MM 50.7% 8% Multifamily $1,171MM $2.4MM 59.8% 6% Hotel/Motel $821MM $2.2MM 42.2% 5% Mixed Use $728MM $2.0MM 49.4% 4% Single-tenant $631MM $1.5MM 46.2% 2% Office $349MM $2.1MM 52.3% 5% All Other $750MM $1.6MM 40.5% 18

 
LA Fashion District Gateway Cities San Gabriel Valley South Bay LA Koreatown Other LA County (No exposure to downtown LA commercial business district) Orange County San Bernardino County Riverside County Other SoCal San Francisco, $45 Greater SF Bay Area Other NorCal Manhattan Queens County Kings County Other New York New Jersey Texas Washington Arizona Illinois Georgia Nevada Other States 06/30/2026 SoCal NorCal NY/NJ Texas Washington Arizona Illinois Georgia Nevada Other 2Q26: Granular CRE Portfolio, Diversified by Submarket Loan Size (at 06/30/26) Balance ($ Millions) # of Loans Average Loan Size ($ Millions) Weighted Average LTV(1) > $30MM $ 388 10 $ 38.8 61.2% $20MM - $30MM 555 24 23.1 51.9% $10MM - $20MM 1,375 101 13.6 50.5% $5MM - $10MM 1,612 234 6.9 48.5% $2MM - $5MM 2,399 760 3.2 46.3% < $2MM 2,188 2,858 0.8 40.2% Total CRE Portfolio $ 8,517 3,987 $ 2.1 47.0% • Loan-to-value ratios are consistently low across segments by size and by property type • Vast majority of CRE loans have full recourse and personal guarantees CRE Portfolio by Size Segment (1) Weighted average LTV: Current loan balance divided by updated collateral value. Collateral value updates most recent available appraisal by using CoStar market and property-specific data, including submarket appreciation or depreciation, and changes to vacancy, debt service coverage or rent/sq foot CRE Portfolio by Geographic Submarket ($ Millions) $8.5B CRE Portfolio (at 06/30/26) $ 4 2 7 19

 
California $9.3B New York & New Jersey $2.6B Hawaii $2.0B Other States $2.0B 2Q26: California Core with a Diversified National Deposit Franchise Deposits by State at 06/30/26 $15.9B Total Deposits (at 06/30/26) 20 • California represents 59% of total deposits. More than 40% of deposits are sourced outside the state, providing meaningful geographic diversification • Our branches are concentrated in attractive metropolitan areas with strong commercial activity and customer relationships • Hawaii continues to build momentum following the Territorial Bancorp acquisition, with customer retail deposits in Hawaii up 6% year-to-date in 2026 (12%) (13%) (16%) (59%)

 
Thank you

 

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News Release

HOPE BANCORP DECLARES QUARTERLY CASH DIVIDEND OF $0.14 PER SHARE


LOS ANGELES - July 27, 2026 - Hope Bancorp, Inc. (the “Company”) (NASDAQ: HOPE) today announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The dividend is payable on or about August 20, 2026, to all stockholders of record as of the close of business on August 6, 2026.


About Hope Bancorp, Inc.
Hope Bancorp, Inc. (NASDAQ: HOPE) is the holding company for Bank of Hope, with $18.99 billion in total assets as of June 30, 2026. Following the addition of Territorial Savings as a division of Bank of Hope, the Company became the largest regional bank serving multicultural customers across the continental United States and Hawaii. Headquartered in Los Angeles, Bank of Hope offers a comprehensive range of commercial, corporate, and consumer banking products and services, including commercial and commercial real estate lending, SBA lending, residential mortgage and consumer lending, treasury management, foreign exchange solutions, interest rate derivatives, and international trade finance. Bank of Hope operates 45 full-service branches in California, New York, New Jersey, Washington, Texas, Illinois, Alabama and Georgia under the Bank of Hope banner, and 28 branches in Hawaii under the Territorial Savings banner. Bank of Hope also operates SBA loan production offices, commercial loan production offices, and residential mortgage loan production offices throughout the United States, and a representative office in Seoul, South Korea. Bank of Hope is a California-chartered bank, and its deposits are insured by the FDIC to the extent provided by law. Bank of Hope is an Equal Opportunity Lender. For additional information, please go to www.bankofhope.com for Bank of Hope and www.tsbhawaii.bank for Territorial Savings, a division of Bank of Hope. By including the foregoing website address links, the Company does not intend to incorporate by reference any material contained or accessible therein.




Contacts:
Julianna Balicka
Executive Vice President & Chief Financial Officer
Maxime Olivan
Senior Vice President & Investor Relations Manager


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