# EDGAR Filing Document

**Accession Number:** 0001128361
**File Stem:** 0001128361-26-000007
**Filing Date:** 2026-1
**Character Count:** 109033
**Document Hash:** aef746423731be7f35abaa572517e49a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001128361-26-000007.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0001128361-26-000007

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 37

**CONFORMED PERIOD OF REPORT**: 20260127

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HOPE BANCORP INC
- **CENTRAL INDEX KEY:** 0001128361
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 954849715
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-50245
- **FILM NUMBER:** 26562049

**BUSINESS ADDRESS:**
- **STREET 1:** 3200 WILSHIRE BLVD
- **STREET 2:** SUITE 1400
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90010
- **BUSINESS PHONE:** 2136391700

**MAIL ADDRESS:**
- **STREET 1:** 3200 WILSHIRE BLVD
- **STREET 2:** SUITE 1400
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90010

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BBCN BANCORP INC
- **DATE OF NAME CHANGE:** 20111207

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NARA BANCORP INC
- **DATE OF NAME CHANGE:** 20001115

?xml version='1.0' encoding='ASCII'? hope-20260127

**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**

**January 27, 2026**

Date of Report (Date of earliest event reported)

---

| |
|:---|
| **HOPE BANCORP INC** |
| **(Exact name of registrant as specified in its charter)** |

---

---

| | | |
|:---|:---|:---|
| **Delaware** | **000-50245** | **95-4849715** |
| (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 share** | **HOPE** | **NASDAQ Global Select Market** |
| (Title of class) | (Title of class) | (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 January 27, 2026, Hope Bancorp, Inc. ("HOPE" or the "Company") issued a news release concerning its results of operations and financial condition for the fourth quarter and full year ended and as of December 31, 2025. A copy of the January 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 Tuesday, January 27, 2026, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review financial results for its fourth quarter and full year ended December 31, 2025. 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 January 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 February 20, 2026, to all stockholders of record as of the close of business on February 6, 2026. A copy of the January 27, 2026, news release is furnished 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 | <u>[News release, dated January 27, 2026, concerning the results of operations and financial condition for the fourth quarter ended and as of December 31, 2025.](hope-12312025ex991financia.htm)</u> |
| 99.2 | <u>[2025 Fourth Quarter Earnings Presentation, dated January 27 2026.](a4q25hopeccdeck.htm)</u> |
| 99.3 | <u>[News release, dated January 27, 2026, announcing the declaration of a quarterly cash dividend.](hope-12312025ex993q42025di.htm)</u> |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

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**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: January 27, 2026 | By: | */s/ Kevin S. Kim* |
|  |  | Kevin S. Kim |
|  |  | Chairman, President and Chief Executive Officer |

---

## Exhibit 99.1

![hb_logoxhorizxgradientxrgba.jpg](hb_logoxhorizxgradientxrgba.jpg)

**News Release**

**HOPE BANCORP REPORTS FINANCIAL RESULTS FOR THE FOURTH QUARTER AND FULL YEAR ENDED DECEMBER 31, 2025**

**For the fourth quarter of 2025, net income of $34.5 million, up 12% quarter-over-quarter and up 42% year-over-year**

**LOS ANGELES** – January 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 fourth quarter and full year ended December 31, 2025.

For the three months ended December 31, 2025, the Company recorded net income of $34.5 million, or $0.27 per diluted common share, up 12% from net income of $30.8 million, or $0.24 per diluted common share, for the three months ended September 30, 2025, and up 42% from net income of $24.3 million, or $0.20 per diluted common share, for the three months ended December 31, 2024.

For the full year ended December 31, 2025, net income totaled $61.6 million, or $0.49 per diluted common share.

Excluding notable items<sup>(1)</sup>, net income for the full year ended December 31, 2025, totaled $113.3 million, or $0.89 per diluted common share, up 10% from $103.4 million, or $0.85 per diluted common share, for the full year ended December 31, 2024.

"We delivered solid earnings growth in the fourth quarter of 2025, with net income up 12% from the third quarter of 2025, reflecting growth in net interest income, strength in customer fee revenue, and lower provisions for credit losses," commented Kevin S. Kim, Chairman, President and Chief Executive Officer.

"For the full year 2025, we significantly lowered our cost of deposits, reduced reliance on brokered deposits, enhanced our earning assets mix, added experienced senior leadership as well as front line talent, and strengthened our asset quality with a steady decrease in criticized assets in each quarter of 2025. We also completed the acquisition of Territorial Bancorp in April 2025, which expanded our banking footprint to the strategically attractive market of Hawaii," continued Kim. "These actions contributed to further optimizing our balance sheet and meaningfully improved our underlying core profitability metrics. We are well positioned to build on this momentum in 2026 and beyond, as we continue making progress towards enhancing our financial performance and earnings growth."

"I am deeply grateful for the dedication of our colleagues at Bank of Hope. Their steadfast commitment to excellence has propelled our organization forward and strengthened our position as the leading regional bank serving multicultural communities across the continental United States and Hawaii. I am confident that our collective focus and hard work will drive even greater positive outcomes in the years to come," concluded Kim.

<sup>(1)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Net income, profitability metrics and earnings per share excluding notable items are non-GAAP financial measures. Notable items in 2025 comprised merger-related expenses, restructuring-related items, a net loss on investment portfolio repositioning, a reversal of an FDIC special assessment, and the impact of a California state tax law change. Notable items in 2024 comprised merger-related expenses, restructuring-related items, and an FDIC special assessment expense. 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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2-2-2&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**<u>Operating Results for the Fourth Quarter of 2025</u>**

***Net interest income and net interest margin.*** Net interest income before provision for credit losses totaled $127.4 million for the fourth quarter of 2025, an increase of $0.8 million, or 1%, compared with $126.6 million for the third quarter of 2025. Net interest margin for the fourth quarter of 2025 increased by 1 basis point to 2.90%, up from 2.89% for the third quarter of 2025, and expanded 40 basis points year-over-year, up from 2.50% for the fourth quarter of 2024.

The quarter-over-quarter increases in net interest income and net interest margin were primarily driven by a faster decline in the cost of interest bearing liabilities, relative to the change in the yield on average earning assets. For the fourth quarter of 2025, the cost of interest bearing deposits decreased 17 basis points to 3.52%, reflecting deposit repricing and the impact of federal funds target rate cuts, compared with an 11 basis point decrease in the yield on average earning assets.

***Noninterest income.*** For the fourth quarter of 2025, noninterest income totaled $18.4 million, up $3.0 million, or 19%, compared with $15.4 million for the third quarter of 2025. The increase was driven by a meaningful growth in customer-level swap fees, which increased $2.4 million quarter-over-quarter, as well as higher service fees on deposit accounts, gains on the sale of securities, and increased loan-related fees. The Company sold $46.0 million of Small Business Administration ("SBA") loans in the fourth quarter of 2025 for a net gain of $2.6 million, compared with $48.1 million in the third quarter of 2025 for a net gain of $2.8 million.

***Noninterest expense.*** Noninterest expense for the fourth quarter of 2025 totaled $99.4 million, up 3% from $96.9 million for the third quarter of 2025. The quarter-over-quarter change in noninterest expense was primarily driven by higher compensation-related costs, which largely reflected the impact of hiring to strengthen the franchise and support revenue generation capabilities. The efficiency ratio was 68.2% for the fourth quarter of 2025, essentially stable compared with the third quarter of 2025 as revenue growth supported the investment spending.

***Income tax provision and tax rate.*** For the fourth quarter of 2025, the Company recorded a provision for income tax of $4.7 million, compared with a provision for income tax of $5.6 million for the third quarter of 2025. For the fourth quarter of 2025, the reported effective tax rate was 11.9%. For the full year ended December 31, 2025, the reported effective tax rate was 20.3%, compared with 25.1% for the full year ended December 31, 2024. The year-over-year decrease in the full year effective tax rate was primarily due to the positive impacts from renewable energy and affordable housing partnership investment tax credits that the Company realized in 2025. The fourth quarter 2025 provision for income tax also included true up entries related to deferred tax asset and liability remeasurement.

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3-3-3&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**<u>Balance Sheet Summary</u>**

***Total assets.*** At December 31, 2025, total assets totaled $18.53 billion, compared with $18.51 billion as of September 30, 2025 and $17.05 billion as of December 31, 2024.

***Loans****.* At December 31, 2025, gross loans totaled $14.79 billion, up 1%, or 4% annualized, from $14.62 billion at September 30, 2025. The quarter-over-quarter increase in loans was spread across the major loan portfolios of commercial real estate, commercial and industrial, and residential mortgage loans. Year-over-year, gross loans were up 8% from $13.63 billion at December 31, 2024, largely reflecting organic residential mortgage growth and the impact of the Territorial Bancorp acquisition.

The following table sets forth the loan portfolio composition at December 31, 2025, September 30, 2025, and December 31, 2024:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** |
|  | **Balance** | **Percentage** | **Balance** | **Percentage** | **Balance** | **Percentage** |
| Commercial real estate ("CRE") loans | $8494508 | 57.4% | $8434919 | 57.7% | $8527008 | 62.6% |
| Commercial and industrial ("C&I") loans | 3794788 | 25.7% | 3752111 | 25.6% | 3981441 | 29.2% |
| Residential mortgage and other loans | 2498621 | 16.9% | 2436607 | 16.7% | 1124314 | 8.2% |
| &nbsp;&nbsp;&nbsp;&nbsp;Gross loans (including held for sale) | $14787917 | 100.0% | $14623637 | 100.0% | $13632763 | 100.0% |

---

***Deposits.*** Total deposits of $15.60 billion at December 31, 2025, decreased 1% from $15.83 billion at September 30, 2025, and increased 9% from $14.33 billion at December 31, 2024. The quarter-over-quarter change largely reflected typical year-end seasonality in certain commercial client funds. The year-over-year growth largely reflected the impact of the Territorial Bancorp acquisition.

The following table sets forth the deposit composition at December 31, 2025, September 30, 2025, and December 31, 2024:

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** |
|  | **Balance** | **Percentage** | **Balance** | **Percentage** | **Balance** | **Percentage** |
| Noninterest bearing demand deposits | $3371759 | 21.6% | $3507659 | 22.2% | $3377950 | 23.6% |
| Money market, interest bearing demand, and savings deposits | 5856373 | 37.5% | 5995488 | 37.9% | 5175735 | 36.1% |
| Time deposits | 6375011 | 40.9% | 6328115 | 39.9% | 5773804 | 40.3% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $15603143 | 100.0% | $15831262 | 100.0% | $14327489 | 100.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;Gross loan-to-deposit ratio |  | 94.8% |  | 92.4% |  | 95.2% |

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**<u>Credit Quality and Allowance for Credit Losses</u>**

***Criticized loans.*** Criticized loans decreased $21.8 million, or 6%, quarter-over-quarter to $351.1 million at December 31, 2025, down from $372.9 million at September 30, 2025, primarily driven by a 48% quarter-over-quarter reduction in C&I special mention loans. Year-over-year, criticized loans were down $98.9 million, or 22%, from $450.0 million at December 31, 2024, reflecting sustained improvement from successful workouts of problem loans and the Company's proactive approach to credit risk management. The criticized loan ratio improved to 2.39% of total loans receivable at December 31, 2025, down 17 basis points from 2.56% at September 30, 2025, and down 91 basis points from 3.30% at December 31, 2024.

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4-4-4&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

The following table sets forth the breakdown of criticized loans at December 31, 2025, September 30, 2025, and December 31, 2024:

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **12/31/2025** | **9/30/2025** | **12/31/2024** |
| Special mention loans | $94003 | $131384 | $179073 |
| Classified loans | 257113 | 241483 | 270896 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total criticized loans | $351116 | $372867 | $449969 |
| Criticized loans/total loans receivable | 2.39% | 2.56% | 3.30% |

---

***Nonperforming assets.*** Nonperforming assets totaled $136.1 million, or 0.73% of total assets, at December 31, 2025, compared with $112.2 million, or 0.61% of total assets, at September 30, 2025, and $90.8 million, or 0.53% of total assets, at December 31, 2024.

The following table sets forth the components of nonperforming assets at December 31, 2025, September 30, 2025, and December 31, 2024:

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **12/31/2025** | **9/30/2025** | **12/31/2024** |
| Loans on nonaccrual status <sup>(1)</sup> | $131747 | $110010 | $90564 |
| Accruing delinquent loans past due 90 days or more | 3943 | 2149 | 229 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming loans | 135690 | 112159 | 90793 |
| Other real estate owned | 365 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets | $136055 | $112159 | $90793 |
| Nonperforming assets/total assets | 0.73% | 0.61% | 0.53% |

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<sup>_____________________________________</sup>

<sup>(1)</sup> &nbsp;&nbsp;&nbsp;&nbsp;Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million and $12.8 million at December 31, 2025, September 30, 2025, and December 31, 2024, respectively.

***Net charge offs.*** The Company recorded net charge-offs of $3.6 million for the fourth quarter of 2025, equivalent to 0.10%, annualized, of average loans. This compares with net charge-offs of $5.1 million, or 0.14%, annualized, of average loans for the third quarter of 2025. For the full year 2025, net charge-offs were $29.0 million, or 0.20% of average loans.

***Allowance for credit losses.*** The allowance for credit losses totaled $156.7 million at December 31, 2025, compared with $152.5 million at September 30, 2025, and $150.5 million at December 31, 2024. The allowance coverage ratio was 1.07% of loans receivable at December 31, 2025, compared with 1.05% at September 30, 2025, and 1.11% at December 31, 2024. The year-over-year change in the allowance coverage ratio largely reflects the impact of the Territorial Bancorp acquisition.

The following table sets forth the allowance for credit losses and the coverage ratios at December 31, 2025, September 30, 2025, and December 31, 2024:

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| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands) (unaudited)* | **12/31/2025** | **9/30/2025** | **12/31/2024** |
| Allowance for credit losses | $156661 | $152509 | $150527 |
| Allowance for credit losses/loans receivable | 1.07% | 1.05% | 1.11% |

---

***Provision for credit losses.*** For the fourth quarter of 2025, the Company recorded provision for credit losses of $7.2 million, compared with $8.7 million for the third quarter of 2025. The quarter-over-quarter decrease in the provision for credit losses primarily reflected lower net charge-offs in the fourth quarter of 2025, as well as the quarter-over-quarter change in the allowance for unfunded commitments. For the full year 2025, the provision for credit losses was $31.8 million.

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5-5-5&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**<u>Capital</u>**

At December 31, 2025, the Company and the Bank's capital ratios continued to exceed all regulatory capital requirements generally required to meet the definition of a "well-capitalized" financial institution. The completion of the Territorial Bancorp acquisition on April 2, 2025, impacted prior year capital and capital ratio comparisons.

The following table sets forth the regulatory capital ratios for the Company at December 31, 2025, September 30, 2025, and December 31, 2024:

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| | | | | |
|:---|:---|:---|:---|:---|
| *(unaudited)* | **12/31/2025** | **9/30/2025** | **12/31/2024** | **Minimum Guideline for "Well-Capitalized"** |
| Common Equity Tier 1 Capital Ratio | 12.27% | 12.14% | 13.06% | 6.50% |
| Tier 1 Capital Ratio | 12.96% | 12.83% | 13.79% | 8.00% |
| Total Capital Ratio | 13.99% | 13.85% | 14.78% | 10.00% |
| Leverage Ratio | 11.05% | 10.86% | 11.83% | 5.00% |

---

At December 31, 2025, total stockholders' equity was $2.28 billion, an increase of 1% compared with $2.26 billion at September 30, 2025. Tangible common equity ("TCE") per share<sup>(2)</sup> was $13.71 at December 31, 2025, compared with $13.53 at September 30, 2025. The TCE ratio<sup>(2)</sup> was 9.76% at December 31, 2025, up 12 basis points compared with 9.64% at September 30, 2025.

The following table sets forth the TCE per share and the TCE ratio at December 31, 2025, September 30, 2025, and December 31, 2024.

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| | | | |
|:---|:---|:---|:---|
| *(unaudited)* | **12/31/2025** | **9/30/2025** | **12/31/2024** |
| TCE per share | $13.71 | $13.53 | $13.81 |
| TCE ratio | 9.76% | 9.64% | 10.05% |

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<sup>(2)&nbsp;&nbsp;&nbsp;&nbsp;</sup>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 Pages 10 to 12.

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6-6-6&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**Investor Conference Call**

The Company previously announced that it will host an investor conference call on Tuesday, January 27, 2026, at 9:30 a.m. Pacific Time / 12:30 p.m. Eastern Time to review its unaudited financial results for its fourth quarter and full year ended December 31, 2025. 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 877-344-7529 (domestic) or 412-317-0088 (international) for one week through February 3, 2026, with the replay access code 3224067.

**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, provision for credit losses 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, the only regional Korean American bank in the United States, with $18.53 billion in total assets as of December 31, 2025. 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 29 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 and shall not be deemed to incorporate by reference any material contained or accessible therein.

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7-7-7&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ: HOPE

**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" and similar expressions. 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 acquisition of Territorial Bancorp, factors that may cause actual outcomes to differ from what is expressed or forecasted in these forward-looking statements include, among things: difficulties and delays in integrating Hope Bancorp and Territorial Bancorp 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, may be greater than expected. Other risks and uncertainties include, but are not limited to: possible renewed deterioration in economic conditions in Hope Bancorp's areas of operation or elsewhere; interest rate risk associated with volatile interest rates and related asset-liability matching risk; liquidity risks; risk of significant non-earning assets, and net credit losses that could occur, particularly in times of weak economic conditions or times of rising interest rates; the failure of or changes to assumptions and estimates underlying Hope Bancorp's allowances for credit losses; 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; the impact of U.S. and global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom, and geopolitical instability; and risks from natural disasters. 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.*

**Contacts:**

---

| |
|:---|
| Julianna Balicka |
| Executive Vice President & Chief Financial Officer |
| <u>InvestorRelations@bankofhope.com</u>  |

---

\# \# \#

(tables follow)

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Assets:** | **12/31/2025** | **9/30/2025** | % change | **12/31/2024** | % change |
| Cash and due from banks | $560059 | $454909 | 23% | $458199 | 22% |
| Investment securities | 2072864 | 2266034 | (9)% | 2075628 | —% |
| Federal Home Loan Bank ("FHLB") stock and other investments | 60176 | 106411 | (43)% | 57196 | 5% |
| Gross loans, including loans held for sale | 14787917 | 14623637 | 1% | 13632763 | 8% |
| Allowance for credit losses | (156661) | (152509) | 3% | (150527) | 4% |
| Accrued interest receivable | 52211 | 53159 | (2)% | 51169 | 2% |
| Premises and equipment, net | 69589 | 69152 | 1% | 51759 | 34% |
| Goodwill and intangible assets | 525938 | 524503 | —% | 466781 | 13% |
| Other assets | 559533 | 565503 | (1)% | 411040 | 36% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | $18531626 | $18510799 | —% | $17054008 | 9% |
| **Liabilities:** |  |  |  |  |  |
| Deposits | $15603143 | $15831262 | (1)% | $14327489 | 9% |
| FHLB and Federal Reserve Bank ("FRB") borrowings | 284922 | 24878 | 1045% | 239000 | 19% |
| Subordinated debentures and convertible notes, net | 110962 | 110610 | —% | 109584 | 1% |
| Accrued interest payable | 78310 | 74376 | 5% | 93784 | (16)% |
| Other liabilities | 171021 | 210713 | (19)% | 149646 | 14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | $16248358 | $16251839 | —% | $14919503 | 9% |
| **Stockholders' Equity:** |  |  |  |  |  |
| Common stock, $0.001 par value | $146 | $146 | —% | $138 | 6% |
| Additional paid-in capital | 1523702 | 1521669 | —% | 1445373 | 5% |
| Retained earnings | 1172394 | 1155874 | 1% | 1181533 | (1)% |
| Treasury stock, at cost | (264667) | (264667) | —% | (264667) | —% |
| Accumulated other comprehensive loss, net | (148307) | (154062) | 4% | (227872) | 35% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 2283268 | 2258960 | 1% | 2134505 | 7% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity | $18531626 | $18510799 | —% | $17054008 | 9% |
| Common stock shares – authorized | 300000000 | 300000000 |  | 300000000 |  |
| Common stock shares – outstanding | 128201655 | 128185271 |  | 120755658 |  |
| Treasury stock shares | 17382835 | 17382835 |  | 17382835 |  |

---

Table Page 1

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| | **12/31/2025** | **9/30/2025** | % change | **12/31/2024** | % change | **12/31/2025** | **12/31/2024** | % change |
| &nbsp;&nbsp;Interest and fees on loans | $214128 | $216774 | (1)% | $203828 | 5% | $837226 | $837159 | —% |
| &nbsp;&nbsp;Interest on investment securities | 21107 | 21467 | (2)% | 16930 | 25% | 76235 | 68549 | 11% |
| &nbsp;&nbsp;Interest on cash and deposits at other banks | 4204 | 5273 | (20)% | 4694 | (10)% | 23465 | 44668 | (47)% |
| &nbsp;&nbsp;Interest on other investments and FHLB dividends | 767 | 1186 | (35)% | 1169 | (34)% | 4238 | 3604 | 18% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 240206 | 244700 | (2)% | 226621 | 6% | 941164 | 953980 | (1)% |
| &nbsp;&nbsp;Interest on deposits | 109388 | 115425 | (5)% | 121645 | (10)% | 457250 | 495448 | (8)% |
| &nbsp;&nbsp;Interest on borrowings | 3413 | 2718 | 26% | 2841 | 20% | 11680 | 30681 | (62)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 112801 | 118143 | (5)% | 124486 | (9)% | 468930 | 526129 | (11)% |
| Net interest income before provision | 127405 | 126557 | 1% | 102135 | 25% | 472234 | 427851 | 10% |
| Provision for credit losses | 7200 | 8710 | (17)% | 10000 | (28)% | 31802 | 17280 | 84% |
| Net interest income after provision | 120205 | 117847 | 2% | 92135 | 30% | 440432 | 410571 | 7% |
| &nbsp;&nbsp;Service fees on deposit accounts | 3249 | 3235 | —% | 2809 | 16% | 12511 | 10728 | 17% |
| &nbsp;&nbsp;Net gains on sales of SBA loans | 2566 | 2774 | (7)% | 3063 | (16)% | 12469 | 7765 | 61% |
| &nbsp;&nbsp;Net gains (losses) on sales of securities available for sale | 1168 |  | 100% | 837 | 40% | (37688) | 936 | N/A |
| &nbsp;&nbsp;Other income and fees | 11368 | 9376 | 21% | 8166 | 39% | 39176 | 26642 | 47% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | 18351 | 15385 | 19% | 15881 | 16% | 26468 | 47077 | (44)% |
| &nbsp;&nbsp;Salaries and employee benefits | 57906 | 54910 | 5% | 42016 | 38% | 214110 | 177860 | 20% |
| &nbsp;&nbsp;Occupancy | 9003 | 9153 | (2)% | 6837 | 32% | 34206 | 27469 | 25% |
| &nbsp;&nbsp;Furniture and equipment | 8706 | 8780 | (1)% | 5436 | 60% | 32020 | 23968 | 34% |
| &nbsp;&nbsp;Data processing and communications | 3624 | 3346 | 8% | 2961 | 22% | 12475 | 9684 | 29% |
| &nbsp;&nbsp;Amortization of investments in affordable housing partnerships | 2940 | 3216 | (9)% | 2429 | 21% | 10547 | 9051 | 17% |
| &nbsp;&nbsp;FDIC assessment | 3051 | 2942 | 4% | 2684 | 14% | 10983 | 10813 | 2% |
| &nbsp;&nbsp;FDIC special assessment | (691) |  | 100% |  | 100% | (691) | 691 | N/A |
| &nbsp;&nbsp;Earned interest credit | 3028 | 3529 | (14)% | 4605 | (34)% | 12954 | 23447 | (45)% |
| &nbsp;&nbsp;Merger and restructuring related costs | 776 | 958 | (19)% | 583 | 33% | 21534 | 5627 | 283% |
| &nbsp;&nbsp;Other noninterest expense | 11085 | 10027 | 11% | 10039 | 10% | 41485 | 36074 | 15% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | 99428 | 96861 | 3% | 77590 | 28% | 389623 | 324684 | 20% |
| Income before income taxes | 39128 | 36371 | 8% | 30426 | 29% | 77277 | 132964 | (42)% |
| Income tax provision | 4662 | 5595 | (17)% | 6089 | (23)% | 15689 | 33334 | (53)% |
| **Net income** | $**34466** | $**30776** | 12% | $**24337** | 42% | $**61588** | $**99630** | (38)% |
| Earnings per common share – diluted | $0.27 | $0.24 |  | $0.20 |  | $0.49 | $0.82 |  |
| Weighted average shares outstanding – diluted | 128769564 | 128593874 |  | 121401285 |  | 126774552 | 121108594 |  |

---

Table Page 2

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Twelve Months Ended** | **For the Twelve Months Ended** |
| **Profitability measures (annualized):** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| &nbsp;&nbsp;Earnings per common share - diluted (not annualized) | $0.27 | $0.24 | $0.20 | $0.49 | $0.82 |
| &nbsp;&nbsp;Earnings per common share - diluted excluding notable items (not annualized) <sup>(1)</sup> | $0.27 | $0.25 | $0.20 | $0.89 | $0.85 |
| &nbsp;&nbsp;Return on average assets ("ROA") | 0.74% | 0.66% | 0.57% | 0.34% | 0.56% |
| &nbsp;&nbsp;ROA excluding notable items <sup>(1)</sup> | 0.74% | 0.68% | 0.56% | 0.62% | 0.58% |
| &nbsp;&nbsp;Return on average equity ("ROE") | 6.06% | 5.50% | 4.51% | 2.77% | 4.68% |
| &nbsp;&nbsp;ROE excluding notable items <sup>(1)</sup> | 6.06% | 5.64% | 4.46% | 5.10% | 4.85% |
| &nbsp;&nbsp;Return on average tangible common equity ("ROTCE") <sup>(1)</sup> | 7.87% | 7.19% | 5.76% | 3.60% | 5.99% |
| &nbsp;&nbsp;ROTCE excluding notable items <sup>(1)</sup> | 7.88% | 7.36% | 5.69% | 6.62% | 6.22% |
| &nbsp;&nbsp;Net interest margin | 2.90% | 2.89% | 2.50% | 2.76% | 2.55% |
| &nbsp;&nbsp;Efficiency ratio (not annualized) | 68.22% | 68.24% | 65.75% | 78.13% | 68.36% |
| &nbsp;&nbsp;Efficiency ratio excluding notable items (not annualized) <sup>(1)</sup> | 68.16% | 67.56% | 65.81% | 68.60% | 67.18% |
| <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **12/31/2025** | **12/31/2025** | **12/31/2025** | **9/30/2025** | **9/30/2025** | **9/30/2025** | **12/31/2024** | **12/31/2024** | **12/31/2024** |
| | | **Interest** | **Annualized** | | **Interest** | **Annualized** | | **Interest** | **Annualized** |
| | **Average** | **Income/** | **Average** | **Average** | **Income/** | **Average** | **Average** | **Income/** | **Average** |
| | **Balance** | **Expense** | **Yield/Cost** | **Balance** | **Expense** | **Yield/Cost** | **Balance** | **Expense** | **Yield/Cost** |
| **INTEREST EARNING ASSETS:** | | | | | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including loans held for sale | $14646767 | $214128 | 5.80% | $14522425 | $216774 | 5.92% | $13626965 | $203828 | 5.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2261726 | 21107 | 3.70% | 2256228 | 21467 | 3.77% | 2177613 | 16930 | 3.09% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning cash and deposits at other banks | 433029 | 4204 | 3.85% | 488992 | 5273 | 4.28% | 416467 | 4694 | 4.48% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB stock and other investments | 63961 | 767 | 4.76% | 97584 | 1186 | 4.82% | 49388 | 1169 | 9.42% |
| Total interest earning assets | $17405483 | $240206 | 5.48% | $17365229 | $244700 | 5.59% | $16270433 | $226621 | 5.54% |
| **INTEREST BEARING LIABILITIES:** |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market, interest bearing demand and savings | $6023423 | $45901 | 3.02% | $6045464 | $49458 | 3.25% | $5187715 | $50510 | 3.87% |
| &nbsp;&nbsp;&nbsp;&nbsp;Time deposits | 6310036 | 63487 | 3.99% | 6359578 | 65967 | 4.12% | 5856439 | 71135 | 4.83% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | 12333459 | 109388 | 3.52% | 12405042 | 115425 | 3.69% | 11044154 | 121645 | 4.38% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB and FRB borrowings | 122986 | 1063 | 3.43% | 27286 | 273 | 3.97% | 113533 | 248 | 0.87% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debentures and convertible notes | 106835 | 2350 | 8.61% | 106485 | 2445 | 8.98% | 105482 | 2593 | 9.62% |
| Total interest bearing liabilities | $12563280 | $112801 | 3.56% | $12538813 | $118143 | 3.74% | $11263169 | $124486 | 4.40% |
| Noninterest bearing demand deposits | 3474131 |  |  | 3506559 |  |  | 3546613 |  |  |
| Total funding liabilities/cost of funds | $16037411 |  | 2.79% | $16045372 |  | 2.92% | $14809782 |  | 3.34% |
| Net interest income/net interest spread |  | $127405 | 1.92% |  | $126557 | 1.85% |  | $102135 | 1.14% |
| **Net interest margin** |  |  | **2.90%** |  |  | **2.89%** |  |  | **2.50%** |
| Cost of deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand deposits | $3474131 | $— | —% | $3506559 | $— | —% | $3546613 | $— | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 12333459 | 109388 | 3.52% | 12405042 | 115425 | 3.69% | 11044154 | 121645 | 4.38% |
| Total deposits | $15807590 | $109388 | 2.75% | $15911601 | $115425 | 2.88% | $14590767 | $121645 | 3.32% |

---

Table Page 4

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| | **12/31/2025** | **12/31/2025** | **12/31/2025** | **12/31/2024** | **12/31/2024** | **12/31/2024** |
| | | **Interest** | **Annualized** | | **Interest** | **Annualized** |
| | **Average** | **Income/** | **Average** | **Average** | **Income/** | **Average** |
| | **Balance** | **Expense** | **Yield/Cost** | **Balance** | **Expense** | **Yield/Cost** |
| **INTEREST EARNING ASSETS:** | | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including loans held for sale | $14267020 | $837226 | 5.87% | $13634728 | $837159 | 6.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2199219 | 76235 | 3.47% | 2213068 | 68549 | 3.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning cash and deposits at other banks | 563560 | 23465 | 4.16% | 856768 | 44668 | 5.21% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB stock and other investments | 86632 | 4238 | 4.89% | 48738 | 3604 | 7.39% |
| Total interest earning assets | $17116431 | $941164 | 5.50% | $16753302 | $953980 | 5.69% |
| **INTEREST BEARING LIABILITIES:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market, interest bearing demand and savings | $5951849 | $197861 | 3.32% | $5043411 | $200070 | 3.97% |
| &nbsp;&nbsp;&nbsp;&nbsp;Time deposits | 6176559 | 259389 | 4.20% | 5954272 | 295378 | 4.96% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | 12128408 | 457250 | 3.77% | 10997683 | 495448 | 4.51% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB and FRB borrowings | 79945 | 2056 | 2.57% | 531869 | 19860 | 3.73% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debentures and convertible notes | 106324 | 9624 | 8.93% | 104989 | 10821 | 10.14% |
| Total interest bearing liabilities | $12314677 | $468930 | 3.81% | $11634541 | $526129 | 4.52% |
| Noninterest bearing demand deposits | 3447893 |  |  | 3679947 |  |  |
| Total funding liabilities/cost of funds | $15762570 |  | 2.97% | $15314488 |  | 3.44% |
| Net interest income/net interest spread |  | $472234 | 1.69% |  | $427851 | 1.17% |
| **Net interest margin** |  |  | **2.76%** |  |  | **2.55%** |
| Cost of deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand deposits | $3447893 | $— | —% | $3679947 | $— | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 12128408 | 457250 | 3.77% | 10997683 | 495448 | 4.51% |
| Total deposits | $15576301 | $457250 | 2.94% | $14677630 | $495448 | 3.38% |

---

Table Page 5

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except per share data)*

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **AVERAGE BALANCES:** | **12/31/2025** | **9/30/2025** | % change | **12/31/2024** | % change | **12/31/2025** | **12/31/2024** | % change |
| Gross loans, including loans held for sale | $14646767 | $14522425 | 1% | $13626965 | 7% | $14267020 | $13634728 | 5% |
| Investment securities | 2261726 | 2256228 | —% | 2177613 | 4% | 2199219 | 2213068 | (1)% |
| Interest earning cash and deposits at other banks | 433029 | 488992 | (11)% | 416467 | 4% | 563560 | 856768 | (34)% |
| Interest earning assets | 17405483 | 17365229 | —% | 16270433 | 7% | 17116431 | 16753302 | 2% |
| Goodwill and intangible assets | 524118 | 525022 | —% | 467021 | 12% | 510404 | 467620 | 9% |
| Total assets | 18595446 | 18548982 | —% | 17228881 | 8% | 18244370 | 17746408 | 3% |
| Noninterest bearing demand deposits | 3474131 | 3506559 | (1)% | 3546613 | (2)% | 3447893 | 3679947 | (6)% |
| Interest bearing deposits | 12333459 | 12405042 | (1)% | 11044154 | 12% | 12128408 | 10997683 | 10% |
| Total deposits | 15807590 | 15911601 | (1)% | 14590767 | 8% | 15576301 | 14677630 | 6% |
| Interest bearing liabilities | 12563280 | 12538813 | —% | 11263169 | 12% | 12314677 | 11634541 | 6% |
| Stockholders' equity | 2275285 | 2237375 | 2% | 2156858 | 5% | 2221699 | 2130140 | 4% |
| **LOAN PORTFOLIO:** | **12/31/2025** | **9/30/2025** | % change | **12/31/2024** | % change |  |  |  |
| Loans receivable (held for investment) | $14701012 | $14590519 | 1% | $13618272 | 8% |  |  |  |
| Loans held for sale | 86905 | 33118 | 162% | 14491 | 500% |  |  |  |
| &nbsp;&nbsp;&nbsp;Gross loans | $14787917 | $14623637 | 1% | $13632763 | 8% |  |  |  |
| **CRE LOANS HELD FOR INVESTMENT BY PROPERTY TYPE:** | **12/31/2025** | **9/30/2025** | % change | **12/31/2024** | % change |  |  |  |
| Multi-tenant retail | $1618715 | $1612673 | —% | $1619505 | —% |  |  |  |
| Industrial warehouses | 1258703 | 1285752 | (2)% | 1264703 | —% |  |  |  |
| Multifamily | 1191145 | 1219701 | (2)% | 1208494 | (1)% |  |  |  |
| Gas stations and car washes | 1176491 | 1116447 | 5% | 1027502 | 15% |  |  |  |
| Mixed-use facilities | 691821 | 665239 | 4% | 771695 | (10)% |  |  |  |
| Hotels/motels | 821845 | 771089 | 7% | 769635 | 7% |  |  |  |
| Single-tenant retail | 658440 | 629269 | 5% | 659993 | —% |  |  |  |
| Office | 331603 | 330736 | —% | 394431 | (16)% |  |  |  |
| All other | 745745 | 787888 | (5)% | 811050 | (8)% |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total CRE loans | $8494508 | $8418794 | 1% | $8527008 | —% |  |  |  |
| **DEPOSIT COMPOSITION:** | **12/31/2025** | **9/30/2025** | % change | **12/31/2024** | % change |  |  |  |
| Noninterest bearing demand deposits | $3371759 | $3507659 | (4)% | $3377950 | —% |  |  |  |
| Money market, interest bearing demand, and savings | 5856373 | 5995488 | (2)% | 5175735 | 13% |  |  |  |
| Time deposits | 6375011 | 6328115 | 1% | 5773804 | 10% |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $15603143 | $15831262 | (1)% | $14327489 | 9% |  |  |  |

---

Table Page 6

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **CAPITAL & CAPITAL RATIOS:** | **12/31/2025** | **9/30/2025** | **12/31/2024** | | | | |
| Total stockholders' equity | $2283268 | $2258960 | $2134505 |  |  |  |  |
| Total capital | $2171256 | $2128319 | $2150810 |  |  |  |  |
| Common equity tier 1 ratio | 12.27% | 12.14% | 13.06% |  |  |  |  |
| Tier 1 capital ratio | 12.96% | 12.83% | 13.79% |  |  |  |  |
| Total capital ratio | 13.99% | 13.85% | 14.78% |  |  |  |  |
| Leverage ratio | 11.05% | 10.86% | 11.83% |  |  |  |  |
| Total risk weighted assets | $15520691 | $15371526 | $14549658 |  |  |  |  |
| Book value per common share | $17.81 | $17.62 | $17.68 |  |  |  |  |
| Tangible common equity ("TCE") per share <sup>(1)</sup> | $13.71 | $13.53 | $13.81 |  |  |  |  |
| TCE ratio <sup>(1)</sup> | 9.76% | 9.64% | 10.05% |  |  |  |  |
| <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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. | <sup>(1)</sup> 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 Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **ALLOWANCE FOR CREDIT LOSSES CHANGES:** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Balance at beginning of period | $152509 | $149505 | $147412 | $150527 | $153270 | $150527 | $158694 |
| Initial allowance for purchased credit deteriorated ("PCD") loans and purchased seasoned loans ("PSL") acquired <sup>(2)</sup> |  |  | 3971 |  |  | 3971 |  |
| Provision for losses on loans | 7800 | 8100 | 10092 | 5200 | 10100 | 31192 | 18400 |
| Recoveries | 1694 | 1517 | 2844 | 233 | 704 | 6288 | 4521 |
| Charge offs | (5342) | (6613) | (14814) | (8548) | (13547) | (35317) | (31088) |
| Balance at end of period | $156661 | $152509 | $149505 | $147412 | $150527 | $156661 | $150527 |
| <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. | <sup>(2)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp; The presentation of prior periods has been adjusted accordingly. |
|  | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |  |  |
| Allowance for unfunded loan commitments | $3333 | $3933 | $3323 | $2323 | $2723 |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
|  | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Provision for losses on loans | $7800 | $8100 | $10092 | $5200 | $10100 | $31192 | $18400 |
| Provision (credit) for unfunded loan commitments | (600) | 610 | 1000 | (400) | (100) | 610 | (1120) |
| Provision for credit losses | $7200 | $8710 | $11092 | $4800 | $10000 | $31802 | $17280 |

---

Table Page 7

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **NET LOAN CHARGE OFFS (RECOVERIES):** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| CRE loans | $(1467) | $(933) | $(843) | $899 | $156 | $(2344) | $545 |
| C&I loans | 5169 | 5978 | 11829 | 7384 | 12607 | 30360 | 25866 |
| Residential mortgage and other loans | (54) | 51 | 984 | 32 | 80 | 1013 | 156 |
| &nbsp;&nbsp;&nbsp;Net loan charge offs | $3648 | $5096 | $11970 | $8315 | $12843 | $29029 | $26567 |
| Net charge offs/average loans (annualized) | 0.10% | 0.14% | 0.33% | 0.25% | 0.38% | 0.20% | 0.13% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NONPERFORMING ASSETS:** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| Loans on nonaccrual status <sup>(1)</sup> | $131747 | $110010 | $110739 | $83808 | $90564 |
| Accruing delinquent loans past due 90 days or more | 3943 | 2149 | 2149 | 98 | 229 |
| &nbsp;&nbsp;**Total nonperforming loans** | **135690** | **112159** | **112888** | **83906** | **90793** |
| Other real estate owned ("OREO") | 365 |  |  |  |  |
| &nbsp;&nbsp;**Total nonperforming assets** | $**136055** | $**112159** | $**112888** | $**83906** | $**90793** |
| Nonperforming assets/total assets | 0.73% | 0.61% | 0.61% | 0.49% | 0.53% |
| Nonperforming loans/loans receivable | 0.92% | 0.77% | 0.78% | 0.63% | 0.67% |
| Nonaccrual loans/loans receivable | 0.90% | 0.75% | 0.77% | 0.63% | 0.67% |
| Allowance for credit losses/loans receivable | 1.07% | 1.05% | 1.04% | 1.11% | 1.11% |
| Allowance for credit losses/nonperforming loans | 115.46% | 135.98% | 132.44% | 175.69% | 165.79% |
| <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million, $15.3 million, $11.8 million, and $12.8 million, at December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, and December 31, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million, $15.3 million, $11.8 million, and $12.8 million, at December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, and December 31, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million, $15.3 million, $11.8 million, and $12.8 million, at December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, and December 31, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million, $15.3 million, $11.8 million, and $12.8 million, at December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, and December 31, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million, $15.3 million, $11.8 million, and $12.8 million, at December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, and December 31, 2024, respectively. | <sup>(1)</sup> Excludes delinquent SBA loans that are guaranteed and currently in liquidation totaling $15.6 million, $15.3 million, $15.3 million, $11.8 million, and $12.8 million, at December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, and December 31, 2024, respectively. |
| **NONACCRUAL LOANS BY TYPE:** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| CRE loans | $65106 | $54016 | $55368 | $24106 | $23396 |
| C&I loans | 53136 | 45494 | 46945 | 50544 | 60807 |
| Residential mortgage and other loans | 13505 | 10500 | 8426 | 9158 | 6361 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonaccrual loans | $131747 | $110010 | $110739 | $83808 | $90564 |

---

Table Page 8

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE:** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| 30 - 59 days past due | $19056 | $15788 | $4909 | $11927 | $8681 |
| 60 - 89 days past due | 4244 | 5117 | 2843 | 27719 | 5164 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total accruing delinquent loans 30-89 days past due | $23300 | $20905 | $7752 | $39646 | $13845 |
| **ACCRUING DELINQUENT LOANS 30-89 DAYS PAST DUE BY TYPE:** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| CRE loans | $12064 | $14872 | $4377 | $4993 | $3205 |
| C&I loans | 2209 | 3356 | 1084 | 27455 | 1288 |
| Residential mortgage and other loans | 9027 | 2677 | 2291 | 7198 | 9352 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total accruing delinquent loans 30-89 days past due | $23300 | $20905 | $7752 | $39646 | $13845 |
| **CRITICIZED LOANS:** | **12/31/2025** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** |
| Special mention loans | $94003 | $131384 | $137313 | $184659 | $179073 |
| Classified loans | 257113 | 241483 | 277418 | 264064 | 270896 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total criticized loans | $351116 | $372867 | $414731 | $448723 | $449969 |

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Table Page 9

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**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** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **Reconciliation of GAAP financial measures to non-GAAP financial measures** | **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. | 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. | 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. | 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. | 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. | 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. |
| 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. | 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. | 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. | 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. | 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. | 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")** | **12/31/2025** | **9/30/2025** | **12/31/2024** |  |  |
| Total stockholders' equity | $2283268 | $2258960 | $2134505 |  |  |
| Goodwill and core deposit intangible assets, net | (525938) | (524503) | (466781) |  |  |
| TCE | $1757330 | $1734457 | $1667724 |  |  |
| Total assets | $18531626 | $18510799 | $17054008 |  |  |
| Goodwill and core deposit intangible assets, net | (525938) | (524503) | (466781) |  |  |
| Tangible assets | $18005688 | $17986296 | $16587227 |  |  |
| TCE ratio | 9.76% | 9.64% | 10.05% |  |  |
| Common shares outstanding | 128201655 | 128185271 | 120755658 |  |  |
| TCE per share | $13.71 | $13.53 | $13.81 |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **RETURN ON AVERAGE TANGIBLE COMMON EQUITY ("ROTCE")** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Average stockholders' equity | $2275285 | $2237375 | $2156858 | $2221699 | $2130140 |
| Average goodwill and core deposit intangible assets, net | (524118) | (525022) | (467021) | (510404) | (467620) |
| Average TCE | $1751167 | $1712353 | $1689837 | $1711295 | $1662520 |
| Net income (GAAP) | $34466 | $30776 | $24337 | $61588 | $99630 |
| ROTCE (annualized) | 7.87% | 7.19% | 5.76% | 3.60% | 5.99% |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **PROVISION FOR CREDIT LOSSES EXCLUDING NOTABLE ITEMS** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Provision for credit losses <sup>(1)</sup> | $7200 | $8710 | $10000 | $31802 | $17280 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related provision for credit losses |  |  |  | (553) |  |
| Provision for credit losses excluding notable items | $7200 | $8710 | $10000 | $31249 | $17280 |
| <sup>(1)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;The presentation of prior periods has been adjusted accordingly. | <sup>(1)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;The presentation of prior periods has been adjusted accordingly. | <sup>(1)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;The presentation of prior periods has been adjusted accordingly. | <sup>(1)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;The presentation of prior periods has been adjusted accordingly. | <sup>(1)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;The presentation of prior periods has been adjusted accordingly. | <sup>(1)</sup> 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;The presentation of prior periods has been adjusted accordingly. |

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Table Page 10

------

**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **PRE-PROVISION NET REVENUE ("PPNR")** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Net interest income before provision for credit losses | $127405 | $126557 | $102135 | $472234 | $427851 |
| Noninterest income | 18351 | 15385 | 15881 | 26468 | 47077 |
| Revenue | 145756 | 141942 | 118016 | 498702 | 474928 |
| Less: Noninterest expense | 99428 | 96861 | 77590 | 389623 | 324684 |
| PPNR | $46328 | $45081 | $40426 | $109079 | $150244 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning | $— | $— | $— | $38856 | $— |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC special assessment expense (reversal) | (691) |  |  | (691) | 691 |
| &nbsp;&nbsp;&nbsp;&nbsp;Merger and restructuring-related (gains) costs, net (including gain on branch sale) | 776 | 958 | (423) | 21534 | 4621 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total notable items included in PPNR | 85 | 958 | (423) | 59699 | 5312 |
| PPNR, excluding notable items | $46413 | $46039 | $40003 | $168778 | $155556 |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **PROFITABILITY RATIOS EXCLUDING NOTABLE ITEMS** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Net income (GAAP) | $34466 | $30776 | $24337 | $61588 | $99630 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Merger-related provision for credit losses |  |  |  | 553 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning |  |  |  | 38856 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC special assessment expense (reversal) | (691) |  |  | (691) | 691 |
| &nbsp;&nbsp;&nbsp;&nbsp;Merger and restructuring-related (gains) costs, net (including gain on branch sale) | 776 | 958 | (423) | 21534 | 4621 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total notable items included in pre-tax income | 85 | 958 | (423) | 60252 | 5312 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax effect on notable items in pre-tax income | (25) | (208) | 125 | (13325) | (1562) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notable impact from California state tax apportionment law change | (49) |  |  | 4829 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total notable items, net of tax | 11 | 750 | (298) | 51756 | 3750 |
| Net income excluding notable items | $34477 | $31526 | $24039 | $113344 | $103380 |
| Diluted common shares | 128769564 | 128593874 | 121401285 | 126774552 | 121108594 |
| EPS excluding notable items | $0.27 | $0.25 | $0.20 | $0.89 | $0.85 |
| Average assets | $18595446 | $18548982 | $17228881 | $18244370 | $17746408 |
| ROA excluding notable items (annualized) | 0.74% | 0.68% | 0.56% | 0.62% | 0.58% |
| Average equity | $2275285 | $2237375 | $2156858 | $2221699 | $2130140 |
| ROE excluding notable items (annualized) | 6.06% | 5.64% | 4.46% | 5.10% | 4.85% |
| Average TCE | $1751167 | $1712353 | $1689837 | $1711295 | $1662520 |
| ROTCE excluding notable items (annualized) | 7.88% | 7.36% | 5.69% | 6.62% | 6.22% |

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Table Page 11

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**Hope Bancorp, Inc.**

**Selected Financial Data**

*Unaudited (dollars in thousands, except share and per share data)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **NONINTEREST INCOME EXCLUDING NOTABLE ITEMS** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Noninterest income | $18351 | $15385 | $15881 | $26468 | $47077 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning |  |  |  | 38856 |  |
| &nbsp;&nbsp;&nbsp;Restructuring-related net gain on branch sale |  |  | (1006) |  | (1006) |
| Noninterest income excluding notable items | $18351 | $15385 | $14875 | $65324 | $46071 |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **EFFICIENCY RATIO EXCLUDING NOTABLE ITEMS** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Noninterest expense | $99428 | $96861 | $77590 | $389623 | $324684 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment (expense) reversal | 691 |  |  | 691 | (691) |
| &nbsp;&nbsp;&nbsp;Merger and restructuring-related costs | (776) | (958) | (583) | (21534) | (5627) |
| Noninterest expense excluding notable items | $99343 | $95903 | $77007 | $368780 | $318366 |
| Revenue | $145756 | $141942 | $118016 | $498702 | $474928 |
| Notable items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loss on investment portfolio repositioning |  |  |  | 38856 |  |
| &nbsp;&nbsp;&nbsp;Restructuring-related net gain on branch sale |  |  | (1006) |  | (1006) |
| Revenue excluding notable items | $145756 | $141942 | $117010 | $537558 | $473922 |
| Efficiency ratio excluding notable items | 68.16% | 67.56% | 65.81% | 68.60% | 67.18% |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
| **EFFECTIVE TAX RATE EXCLUDING NOTABLE ITEMS** | **12/31/2025** | **9/30/2025** | **12/31/2024** | **12/31/2025** | **12/31/2024** |
| Income before income taxes | $39128 | $36371 | $30426 | $77277 | $132964 |
| Notable items before tax effect | 85 | 958 | (423) | 60252 | 5312 |
| Income before tax excluding notable items | $39213 | $37329 | $30003 | $137529 | $138276 |
| GAAP income tax provision | $4662 | $5595 | $6089 | $15689 | $33334 |
| Tax effect on notable items in pre-tax income | 25 | 208 | (125) | 13325 | 1562 |
| Notable impact from California state tax apportionment law change | 49 |  |  | (4829) |  |
| Income tax provision excluding notable items | $4736 | $5803 | $5964 | $24185 | $34896 |
| Effective tax rate excluding notable items | 12.08% | 15.55% | 19.88% | 17.59% | 25.24% |

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Table Page 12

## Exhibit 99.2

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2025 Fourth Quarter Earnings Conference Call January 27, 2026

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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" and similar expressions. 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 acquisition of Territorial Bancorp, factors that may cause actual outcomes to differ from what is expressed or forecasted in these forward-looking statements include, among things: difficulties and delays in integrating Hope Bancorp and Territorial Bancorp 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, may be greater than expected. Other risks and uncertainties include, but are not limited to: possible renewed deterioration in economic conditions in Hope Bancorp's areas of operation or elsewhere; interest rate risk associated with volatile interest rates and related asset-liability matching risk; liquidity risks; risk of significant non-earning assets, and net credit losses that could occur, particularly in times of weak economic conditions or times of rising interest rates; the failure of or changes to assumptions and estimates underlying Hope Bancorp's allowances for credit losses; 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; the impact of U.S. and global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom, and geopolitical instability; and risks from natural disasters. 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

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Strong Capital & Ample Liquidity • Total capital ratio was 13.99% at 12/31/25 • Tangible common equity ("TCE") ratio(1) was 9.76% at 12/31/25 Deposits • Deposits of $15.6B at 12/31/25, -1% QoQ; QoQ change primarily driven by fourth quarter seasonality in certain commercial client funds, which normally return in the first quarter of the year • Noninterest bearing demand deposits represented 22% of total deposits at 12/31/25 Loans • Gross loans of $14.8B at 12/31/25, up 1% QoQ (4% annualized), driven by broad-based growth across CRE, C&I and residential mortgage • Gross loan-to-deposit ratio of 94.8% at 12/31/25 Asset Quality • Criticized loans down 6% QoQ and down 22% YoY to $351MM at 12/31/25, represented 2.39% of total loans receivable • Nonperforming assets ("NPA") of $136MM at 12/31/25, represented 0.73% of total assets Earnings • 4Q25 net income: $34.5MM ($0.27 per diluted common share), up 12% QoQ and up 42% YoY • FY25 net income: $61.6M ($0.49 per diluted common share). Impacted by notable items, primarily due to merger- related items and loss on securities portfolio repositioning • Net income excluding notable items(1): $113.3MM for FY25 ($0.89(1) per diluted common share), up 10% YoY • 4Q25 highlights: net interest income up, fee income up, NIM expanded, and provision for credit losses down Q4 2025 Financial Overview Total Capital & TCE Ratio (1) at 12/31/25 13.99% / 9.76% NPA/Total Assets at 12/31/25 0.73% Gross Loans at 12/31/25 $14.8B Total Deposits at 12/31/25 $15.6B 3 4Q25 GAAP Net Income / EPS $34.5MM / $0.27 FY25 Net Income / EPS, excluding notable items (1) $113.3MM / $0.89 (1) TCE ratio, net income excluding notable items and earnings per share ("EPS") 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.

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Strong Capital Ratios Capital Ratios • Robust capital ratios: All capital ratios increased QoQ; strong and well above requirements for "well-capitalized" financial institutions • Dividend: Quarterly common stock dividend of $0.14 per share, or $0.56 per share annualized. Equivalent to a dividend yield of 5.11% at 12/31/25 • Repurchases: Board of Directors reinstated our prior share repurchase authorization, which still has $35 million available. Positions the Company to selectively and prudently return capital to stockholders via a share buyback program while maintaining strong overall capital levels to support growth opportunities and common stock dividends • Equity: Increased book value per common share to $17.81 & TCE per share(1) to $13.71 at 12/31/25, up compared with book value per share of $17.62 & TCE per share(1) to $13.53 at 9/30/25 4 (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. Regulatory Capital Ratios as of December 31, 2025 11.05% 12.27% 12.96% 13.99% Capital Metrics 12/31/2025 9/30/2025 12/30/2024 Leverage Ratio 11.05% 10.86% 11.83% Common Equity Tier 1 ("CET1") Capital Ratio 12.27% 12.14% 13.06% Tier 1 Capital Ratio 12.96% 12.83% 13.79% Total Capital ("RBC") Ratio 13.99% 13.85% 14.78% Tangible Common Equity ("TCE") Ratio(1) 9.76% 9.64% 10.05% TCE Per Share(1) $13.71 $13.53 $13.81 5.00% 6.50% 8.00% 10.00% Leverage Ratio CET1 Capital Ratio Tier 1 Capital Ratio Total Capital Ratio Well capitalized regulatory minimum Capital above well capitalized regulatory minimum

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Well-Diversified Loan Portfolio, Diverse & Granular Deposit Base Loan Composition by Product Type • Total deposits of $15.6B at 12/31/25, up 9% YoY and down 1% QoQ • QoQ change largely due to typical fourth quarter fund movements in certain commercial clients, which normally return in the first quarter of the year; YoY growth reflected the Territorial Bancorp acquisition 5 Deposit Composition by Product Type Noninterest Bearing Demand Deposits Money Market, Interest Bearing Demand & Savings Deposits Time Deposits $15.6B Total Deposits (at 12/31/25) Nonowner- Occupied CRE C&I Owner- Occupied CRE Residential Mortgage & Other Multifamily Residential $1.2B (8%) $14.8B Gross Loans (at 12/31/25) $2.5B (17%) $4.6B (31%) $2.7B (18%) $3.8B (26%) • Loan portfolio well-diversified across major loan types of CRE, C&I, residential mortgage, and multifamily residential loans • Gross loans totaled $14.8B at 12/31/25, up 1% QoQ or 4% annualized, driven by growth spread across CRE, C&I, and residential mortgage portfolios. YoY, gross loans were up 8%, largely reflecting the impact of the Territorial Bancorp acquisition and organic residential mortgage growth $6.4B (41%) $5.8B (37%) $3.4B (22%)

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Growing Net Interest Income & Expanding Net Interest Margin 6 Net Interest Income & Net Interest Margin ($ Millions) $102 $101 $117 $127 $127 2.50% 2.54% 2.69% 2.89% 2.90% 4Q24 1Q25 2Q25 3Q25 4Q25 2.90%2.89% Decrease in loan yield -3bps 4Q25 NIM change: +1bp QoQ Net Interest Income Net Interest Margin (annualized) QoQ Change in Net Interest Margin 3Q25 4Q25 Decrease in other earning asset yield -10bps Decrease in borrowing cost +12bps Decrease in interest bearing deposit cost • 4Q25 net interest income ("NII") of $127MM, up 1% QoQ. 4Q25 net interest margin ("NIM") of 2.90%, up 1bp QoQ: reflected the impact of Fed Funds target rate cuts: positive impact of lower funding costs more than offset the headwind from lower earning asset yields • YoY, 4Q25 NII up 25% and NIM up 40bps: reflected lower costs of interest-bearing deposits (rate cuts, pricing discipline, mix management, Territorial Bancorp acquisition) and higher investment securities yields (partial repositioning in 2025) • Tailwinds to NIM in 2026: upward repricing of maturing 5-year CRE loans to current market rates; downward repricing of time deposits +2bps

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5.95% 5.88% 5.88% 5.92% 5.80% 4.82% 4.50% 4.50% 4.46% 4.02% 4Q24 1Q25 2Q25 3Q25 4Q25 Avg Loan Yield (annualized) Avg Fed Funds Rate $11.0 $11.1 $12.6 $12.4 $12.3 $3.6 $3.4 $3.5 $3.5 $3.5 4Q24 1Q25 2Q25 3Q25 4Q25 Avg Interest Bearing ("IB") Deposits Avg Non IB Deposits 93% 93% 90% 91% 93% 3.32% 3.18% 2.96% 2.88% 2.75% 4.38% 4.14% 3.77% 3.69% 3.52% 4.82% 4.50% 4.50% 4.46% 4.02% 4Q24 1Q25 2Q25 3Q25 4Q25 Cost of Total Deposits (ann.) Cost of IB Deposits (ann.) Avg Fed Funds Rate Average Loans & Deposits, Yields & Rates Average Deposits Average Loans ($ Billions) ($ Billions) $13.6 $13.5 $14.4 $14.5 $14.6 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 4Q24 1Q25 2Q25 3Q25 4Q25 Avg Loan-to-Deposit Ratio Cost of Average Deposits Relative to Fed Funds Rate Average Loan Yield Relative to Fed Funds Rate $15.9$16.1 $14.5$14.6 $15.8 7

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$2.8 $2.9 $3.1 $3.2 $3.2 $3.1 $3.1 $4.0 $2.8 $2.6 $9.0 $9.7 $8.8 $9.4 $12.6 4Q24 1Q25 2Q25 3Q25 4Q25 Service Fees on Deposit Accounts Net Gains on SBA Loan Sales Other Income & Fees $(23.0) Growing Noninterest Income Noninterest Income (excluding notable items) (1) ($ Millions) $14.9(2) $15.7 $15.9(3) • Throughout 2025, management has been focused on improving fee income execution to diversify the Bank's revenue streams • 4Q25 noninterest income totaled $18MM, up $3MM or 19% compared with $15MM for 3Q25 • QoQ growth across various fee income lines. Highlights include meaningful growth in customer-level swap fees – For FY 2025, customer-level swap fees were $5.9M, up 270% from $1.6M in FY 2024 • Sold $46MM of the guaranteed portion of SBA 7(a) loans during 4Q25 vs. $48MM in 3Q25. Recorded an SBA loan net gain on sale of $2.6MM in 4Q25 compared with $2.8MM in 3Q25 (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. GAAP Noninterest Income $15.9 $15.4 (2) Notable items in 4Q24 included a net gain of $1.0MM from a restructuring-related sale of the Company's two branches in Virginia. (3) Notable items in 2Q25 included a net loss on sales of securities AFS of $38.9MM from partial securities portfolio repositioning. 8 GAAP Noninterest Income $18.4

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65.7% 72.0% 115.8% 68.2% 68.2% 65.8% 69.8% 69.1% 67.5% 68.2% 4Q24 1Q25 2Q25 3Q25 4Q25 Efficiency Ratio (GAAP) Efficiency Ratio (ex. notable items) $41.5 $48.0 $52.3 $54.1 $57.9 $12.8 $13.4 $17.2 $17.9 $17.7$22.7 $19.9 $22.7 $23.9 $23.7 4Q24 1Q25 2Q25 3Q25 4Q25 Salary & Employee Benefits Occupancy & FF&E Other Expenses Efficiency Ratio Noninterest Expense & Efficiency $77.0 $81.3 $92.2 Noninterest Expense (excluding notable items) (1)(2) ($ Millions) GAAP Noninterest Expense $77.6 $83.9 $109.5 (2) $95.9 $96.9 (1) The noninterest expense chart columns present 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 Reflects the close of the Territorial Bancorp acquisition on April 2, 2025 $99.3 $99.4 • 4Q25 GAAP noninterest expense of $99MM, up 3% QoQ. Notable items: $0.8MM of merger-related costs, $(0.7)MM reversal of FDIC special assessment • QoQ noninterest expense increase mainly driven by compensation-related costs, reflecting the impact of hiring to support the Company's strategic initiatives and revenue generating capabilities • YoY noninterest expense additionally reflected the inclusion of Territorial Savings Bank operating expenses • 4Q25 efficiency ratio essentially stable QoQ: revenue growth absorbed incremental investments in franchise

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$151 $147 $150 $153 $157 1.11% 1.11% 1.04% 1.05% 1.07% 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 ACL ACL Coverage Ratio • Sustained improvement in asset quality reflects proactive credit risk management • Sequential quarterly balance decreases in criticized loans in each of the quarters of 2025 • Criticized loans of $351MM at 12/31/25, down $22MM, or 6%, QoQ. Includes 48% decrease QoQ in C&I special mention loans. Criticized loans down 22% YoY • Allowance for credit losses ("ACL") coverage ratio: 1.07% of loans receivable as of 12/31/25 vs. 1.05% as of 9/30/25 • Net charge offs ("NCO"): $4MM in 4Q25, or 10bps of average loans, annualized. FY25 NCO ratio: 20bps of average loans • 4Q25 provision for credit losses of $7MM, vs. $9MM for 3Q25. QoQ decrease in provision for credit losses reflects lower net charge-offs and change in allowance for unfunded commitments Strengthened Asset Quality Provision for Credit Losses & Net Charge Offs Nonperforming Assets Ratio Allowance for Credit Losses & Coverage Ratio Criticized Loans Ratio $10 $5 $11 $9 $7 $13 $8 $12 $5 $4 0.38% 0.25% 0.33% 0.14% 0.10% 4Q24 1Q25 2Q25 3Q25 4Q25 Provision for Credit Losses NCO NCO Ratio (ann.) 3.30% 3.36% 2.87% 2.56% 2.39% 4Q24 1Q25 2Q25 3Q25 4Q25 Total Criticized Loans as a % of Total Loans ($ Millions) ($ Millions) 0.53% 0.49% 0.61% 0.61% 0.73% 4Q24 1Q25 2Q25 3Q25 4Q25 NPAs/Total Assets 10

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Management Financial Outlook for Full Year 2026 vs. 2025 11 Metric 2025 ($ Millions) Outlook for 2026 (1) Comments End-of-Period Gross Loans $14,788 ~ high single digit % growth ▪ 2026 loan growth driven by broad-based strengthening of production across major loan segments, and impact from recent hiring of frontline talent Total Revenue(2) (Net Interest Income + Noninterest Income) (excluding notable items) $538 ~ 15-20% growth ▪ Net interest income growth driven by loan growth and net interest margin expansion ▪ Continuation of fee income growth momentum ▪ Forward interest rate curve assumes two Fed Funds rate cuts: 25bps each in June 2026 and September 2026 Pre-Provision Net Revenue(2) (excluding notable items) $169 ~ 25-30% growth ▪ Revenue growth combined with positive operating leverage from investments made to strengthen revenue generating capabilities ▪ Disciplined expense management relative to 4Q25 run-rate, while continuing to invest to support revenue growth (1) The Financial Outlook for 2026 is presented as of January 27, 2026, reflects the Company's updated financial outlook for 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 and tensions, changes to market interest rates, and reflects expectations as of the date of this presentation. 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, noninterest expense 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.

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(1) The Medium-Term Financial Targets reflect the Company's current projections for 2028 and beyond; not all targets will be reached at the same time, and some may be reached on a quarterly basis before the annual basis. The Company's Medium-Term Financial Targets are presented as of January 27, 2026, and will not be updated or affirmed unless and until the Company publicly announces such update or affirmation. Macroeconomic assumptions underpinning the Company's Medium-Term Financial Targets reflect the current forward interest rate curve and assume ongoing positive economic growth over the medium term. The Medium-Term Financial Targets and macroeconomic assumptions contain forward-looking statements and actual results or conditions may differ materially and adversely from those included in the Medium-Term Financial Targets. Please refer to the "forward-looking statements" on Slide 2 of this presentation. High single-digit % growth Targeting balanced growth across business lines in normalized operating environment Planning to maintain loan-to- deposit ratio ~95% or lower Loan Growth >10% Targeting normalized annual revenue growth to outpace loan growth, augmented by fee income growth and expanding net interest margin due to improved funding mix Revenue Growth Mid-50% range Target efficiency ratio to be achieved via revenue growth, expense management discipline, and operational process improvement Efficiency Ratio ~1.2% Targeting attractive levels of returns driven by improved profitability Return on Avg Assets Medium-Term Financial Targets(1) 12

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Appendix 13

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($ in millions, except per share data) 12/31/2025 9/30/2025 QoQ % change 12/30/2024 YoY % change Cash and due from banks $560.1 $454.9 23% $458.2 22% Investment securities 2,072.9 2,266.0 -9% 2,075.6 0% Federal Home Loan Bank ("FHLB") stock and other investments 60.2 106.4 -43% 57.2 5% Gross loans 14,787.9 14,623.6 1% 13,632.8 8% Allowance for credit losses (156.7) (152.5) 3% (150.5) 4% Goodwill and intangible assets 525.9 524.5 0% 466.8 13% Other assets 681.3 687.9 -1% 513.9 33% Total assets $18,531.6 $18,510.8 0% $17,054.0 9% Deposits $15,603.1 $15,831.3 -1% $14,327.5 9% Borrowings & other debt 395.9 135.5 192% 348.6 14% Other liabilities 249.3 285.0 -13% 243.4 2% Total liabilities $16,248.3 $16,251.8 0% $14,919.5 9% Total stockholders' equity $2,283.3 $2,259.0 1% $2,134.5 7% Book value per share $17.81 $17.62 1% $17.68 1% TCE per share(1) $13.71 $13.53 1% $13.81 -1% TCE ratio(1) 9.76% 9.64% 10.05% Loan-to-deposit ratio 94.8% 92.4% 95.2% Summary Balance Sheet (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. 14

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Summary Income Statement (1) Noninterest income excluding notable items, noninterest expense excluding notable items, net income excluding notable items, and diluted EPS 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 ($ in thousands, except share and per share data) 4Q25 3Q25 QoQ % change 4Q24 YoY % change Net interest income before provision for credit losses $127,405 $126,557 1% $102,135 25% Provision for credit losses 7,200 8,710 -17% 10,000 -28% Net interest income after provision for credit losses 120,205 117,847 2% 92,135 30% Noninterest income 18,351 15,385 19% 15,881 16% Noninterest income excluding notable items(1) 17,183 15,385 12% 14,875 16% Noninterest expense 99,428 96,861 3% 77,590 28% Noninterest expense excluding notable items(1) 99,343 95,903 4% 77,007 29% Income before income taxes 39,128 36,371 8% 30,426 29% Income tax provision 4,662 5,595 -17% 6,089 -23% Net income $34,466 $30,776 12% $24,337 42% Net income excluding notable items(1) $34,477 $31,526 9% $24,039 43% EPS - Diluted $0.27 $0.24 $0.20 EPS excluding notable items(1) - Diluted $0.27 $0.25 $0.20 Weighted Average Shares Outstanding – Diluted 128,769,564 128,593,874 121,401,285

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Summary Profitability Ratios (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. 16 (Ratios, except per share data; annualized, except as noted) 4Q25 3Q25 4Q24 FY2025 FY2024 Earnings per common share – diluted (not annualized) $0.27 $0.24 $0.20 $0.49 $0.82 Earnings per common share – diluted excluding notable items (not annualized)(1) $0.27 $0.25 $0.20 $0.89 $0.85 Return on average assets ("ROA") 0.74% 0.66% 0.57% 0.34% 0.56% ROA excluding notable items(1) 0.74% 0.68% 0.56% 0.62% 0.58% Return on average equity ("ROE") 6.06% 5.50% 4.51% 2.77% 4.68% ROE excluding notable items(1) 6.06% 5.64% 4.46% 5.10% 4.85% Return on average tangible common equity ("ROTCE")(1) 7.87% 7.19% 5.76% 3.60% 5.99% ROTCE excluding notable items(1) 7.88% 7.36% 5.69% 6.62% 6.22% Net interest margin 2.90% 2.89% 2.50% 2.76% 2.55% Efficiency ratio (not annualized) 68.22% 68.24% 65.75% 78.13% 68.36% Efficiency ratio excluding notable items (not annualized)(1) 68.16% 67.56% 65.81% 68.60% 67.18%

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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. Profitability & Ratios Excluding Notable Items 17 ($ in thousands, except share and per share info) 4Q25 3Q25 4Q24 FY2025 FY2024 Net income (GAAP) $34,466 $30,776 $24,337 $61,588 $99,630 Notable items: Merger-related provision for credit losses - - - 553 - Loss on investment portfolio repositioning - - - 38,856 - FDIC special assessment expense (reversal) (691) - - (691) 691 Restructuring costs (net of gain on branch sale) - - (1,158) 305 17 Merger related costs 776 958 735 21,229 4,604 Total notable items included in pre-tax income $85 $958 $(423) $60,252 $5,312 Tax effect on notable items in pre-tax income (25) (208) 125 (13,325) (1,562) Notable impact from CA tax apportionment law change (49) - - 4,829 - Total notable items, net of tax 11 750 (298) 51,756 3,750 Net income excluding notable items $34,477 $31,526 $24,039 $113,344 $103,380 Diluted common shares 128,769,564 128,593,874 121,401,285 126,774,552 121,108,594 EPS excluding notable items $0.27 $0.25 $0.20 $0.89 $0.85 Average assets 18,595,446 18,548,982 17,228,881 18,244,370 17,746,408 ROA excluding notable items (annualized) 0.74% 0.68% 0.56% 0.62% 0.58% Average Equity 2,275,285 2,237,375 2,156,858 2,221,699 2,130,140 ROE excluding notable items (annualized) 6.06% 5.64% 4.46% 5.10% 4.85% Average TCE 1,751,167 1,712,353 1,689,837 1,711,295 1,662,520 ROTCE excluding notable items (annualized) 7.88% 7.36% 5.69% 6.62% 6.22%

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Efficiency Ratio Excluding Notable Items Noninterest Income Excluding Notable Items 18 Non-GAAP Financial Measures Reconciliation (cont'd) ($ in thousands) 4Q25 3Q25 4Q24 Noninterest expense $99,428 $96,861 $77,590 Notable items: FDIC special assessment (expense) reversal 691 - - Restructuring costs - - 152 Merger related costs (776) (958) (735) Noninterest expense excluding notable items $99,343 $95,903 $77,007 Revenue $145,756 $141,942 $118,016 Notable items: Restructuring-related net gain on branch sale - - 1,006 Revenue excluding notable items $145,756 $141,942 $117,010 Efficiency ratio excluding notable items 68.16% 67.56% 65.81% ($ in thousands) 4Q25 3Q25 4Q24 Noninterest income $18,351 $15,385 $15,881 Restructuring-related net gain on branch sale - - 1,006 Noninterest income excluding notable items $18,351 $15,385 $14,875 Tangible Common Equity (TCE) Pre-provision Net Revenue (PPNR) Excluding Notable Items ($ in thousands, except share and per share info) 12/31/2025 9/30/2025 12/30/2024 Total stockholders' equity $2,283,268 $2,258,960 $2,134,505 Goodwill and core deposit intangible assets, net (525,938) (524,503) (466,781) TCE $1,757,330 $1,734,457 $1,667,724 Total assets $18,531,626 $18,510,799 $17,054,008 Goodwill and core deposit intangible assets, net (525,938) (524,503) (466,781) Tangible assets $18,005,688 $17,986,296 $16,587,227 TCE ratio 9.76% 9.64% 10.05% Common shares outstanding 128,201,655 128,185,271 120,755,658 TCE per share $13.71 $13.53 $13.81 ($ in thousands) 4Q25 3Q25 4Q24 Net interest income before provision $127,405 $126,557 $102,135 Noninterest income 18,351 15,385 15,881 Revenue $145,756 $141,942 $118,016 Less: noninterest expense 99,428 96,861 77,590 PPNR $46,328 $45,081 $40,426 Notable items: FDIC special assessment expense (reversal) (691) - - Restructuring costs (net of gain on branch sale) - - (1,158) Merger-related costs 776 958 735 Total notable items included in PPNR 85 958 (423) PPNR, excluding notable items $46,413 $46,039 $40,003 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.

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As a % of Gross Loans: Avg Loan Size: Weighted Avg LTV(1): 11% Multi-tenant Retail $1,619MM $2.5MM 41.9% 9% Industrial & Warehouse $1,259MM $2.6MM 39.4% 8% Multifamily $1,191MM $2.4MM 58.8% 8% Gas Station & Car Wash $1,176MM $2.0MM 49.7% 5% Hotel/Motel $822MM $2.3MM 42.8% 5% Mixed Use $692MM $1.9MM 48.9% 4% Single-tenant Retail $658MM $1.5MM 45.9% 2% Office $332MM $2.0MM 54.3% 5% All Other $746MM $1.5MM 40.9% Diversified CRE Portfolio with Low LTVs Total CRE: Distribution by LTV (excl. SBA) < 50%: 59% 50% - 55%: 12% > 55% - 60%: 10% > 60% - 65%: 7% > 65% - 70% > 70%: 7%$8.5B CRE Portfolio (at 12/31/25) 46% Weighted Avg LTV(1) (1) 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 12/31/25. Portfolio consists of $4.6B of nonowner-occupied CRE, $2.7B of owner-occupied CRE, and $1.2B of multifamily residential loans • CRE office: represented approximately 2% of total loans at 12/31/25 with no central business district exposure $8.5B CRE Portfolio (at 12/31/25) 5% 19

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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, $45 Greater SF Bay Area Other NorCal Manhattan Queens County Kings County Other New York New Jersey Texas Washington Arizona Illinois Georgia Nevada Other States 12/31/2025 CRE Portfolio by Geographic Submarket ($ Millions) Granular CRE Portfolio, Diversified by Submarket Loan Size (at 12/31/25) Balance ($ Millions) # of Loans Average Loan Size ($ Millions) Weighted Average LTV(1) > $30MM $361 9 $40.1 61.8% $20MM - $30MM 524 22 23.8 49.4% $10MM - $20MM 1,326 96 13.8 50.8% $5MM - $10MM 1,654 241 6.9 48.7% $2MM - $5MM 2,378 754 3.2 45.8% < $2MM 2,252 2,945 0.8 39.7% Total CRE Portfolio $8,495 4,067 $2.1 46.4% • 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 $8.5B CRE Portfolio (at 12/31/25) SoCal NorCal NY/NJ Texas Washington Arizona Illinois Georgia Nevada Other 20

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## Exhibit 99.3

![hopebancorpa03.jpg](hopebancorpa03.jpg)

**News Release**

**HOPE BANCORP DECLARES QUARTERLY CASH DIVIDEND OF $0.14 PER SHARE**

**LOS ANGELES** - **January 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 February 20, 2026, to all stockholders of record as of the close of business on February 6, 2026.

**About Hope Bancorp, Inc.**

Hope Bancorp, Inc. (NASDAQ: HOPE) is the holding company for Bank of Hope, the only regional Korean American bank in the United States, with $18.53 billion in total assets as of December 31, 2025. 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 29 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 and shall not be deemed to incorporate by reference any material contained or accessible therein.

**Contacts:**

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| |
|:---|
| Julianna Balicka |
| Executive Vice President & Chief Financial Officer |
| <u>InvestorRelations@bankofhope.com</u>  |

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