Hanmi Financial Corporation is the holding company of Hanmi Bank, a California state-chartered bank providing traditional banking services to Korean-American and other ethnic minority communities through branch offices in California and other major states. The bank generates revenue primarily through net interest income earned on a diversified loan portfolio consisting mainly of real estate loans, commercial and industrial loans, and equipment financing, funded by customer deposits; it also earns noninterest income from service charges, loan servicing, gains on loan sales in the secondary market, and other fee-based activities. The bank's business model emphasizes relationship-driven community banking, serving small businesses and investors within immigrant and minority-owned business communities.