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Territorial Savings Bank

Honolulu, HI · Cert 30836

FDIC · 30 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=289 to 295). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q1 2025peer median (50)

Asset Quality

78

Q2 2024Q1 2025peer median (50)

Profitability

1

Q2 2024Q1 2025peer median (50)

Liquidity

54

Q2 2024Q1 2025peer median

Efficiency

0

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Territorial Savings Bank

Honolulu, HI · Cert 30836

FDIC · 30 branches

Q1 2025

$2.1BAssets
$1.3BLoans
$1.7BDeposits
$228.6MEquity
Loan mix
99%RE $1.3B1%C&I $0.0B0%Consumer $0.0BQ1 2024Q1 2025
Deposit mix
96%Interest-bearing $1.6B4%Noninterest $0.1BQ1 2024Q1 2025

NIM

3.06%Q1 ’233.25%Q1 ’243.29%Q1 ’25-28%-12%

Non-interest income vs. expense

1.72%Q1 ’231.72%Q1 ’243.82%Q1 ’250%+129%

Market Position · Urban Honolulu, HI · 2024 SOD (annual) · 2.8% share · #5 of 13 inst. · $1.2B of $45.0B

2.8% Honolulu
4.4% Hawaii
2.9% Maui
0.8% Kauai

Executive Summary

  • Earnings: ROA of -1.42%, down 141 bps year over year; NIM at 1.39%.
  • Asset quality: problem loans at 0.15% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.67%, down 12 bps from a year ago.
  • Funding: loans stand at 75.74% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.42%-141 bps YoY

Net Interest Margin (YTD, annualized)

1.39%-19 bps YoY

Efficiency Ratio (YTD, annualized)

250%+14,834 bps YoY

Tier 1 Leverage Ratio

10.67%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-0.01%-0.02%-0.07%-0.07%-1.42%-141 bps
Return on Equity-0.09%-0.18%-0.65%-0.66%-13.20%-1,311 bps
Net Interest Margin1.58%1.55%1.49%1.47%1.39%-19 bps
Efficiency Ratio101.26%101.94%106.44%108.34%250%+14,834 bps
Non-Interest Burden1.61%1.58%1.59%1.60%3.68%+208 bps
Growth
Asset Growth (YoY)-0.89%-2.43%-0.60%-3.05%-3.80%-292 bps
Loan Growth (YoY)1.03%-0.69%-1.80%-1.67%-2.61%-364 bps
Deposit Growth (YoY)-4.24%-4.66%0.84%4.47%3.57%+782 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.18%0.15%0.15%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.00%0 bps
Allowance / Loans0.39%0.39%0.39%0.40%0.40%+1 bps
Allowance Coverage of NPLs2.3x4.1x2.2x2.6x2.6x+0.3x
Capital
Tier 1 Leverage Ratio10.79%10.85%10.82%10.98%10.67%-12 bps
Total Risk-Based Capital26.91%27.11%27.24%27.26%26.57%-34 bps
Equity / Assets10.59%10.72%10.56%10.74%10.84%+24 bps
Liquidity & Funding
Loans / Deposits80.55%81.17%75.95%73.75%75.74%-481 bps
Liquid Assets / Assets34.51%34.22%35.94%35.05%33.64%-87 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Territorial Savings Bank

Honolulu, HI · Cert 30836 · Peer group: banks $1B-$10B in assets (n=289-295)

FDIC · 30 branches

Q1 2025

$2.1BAssets
$1.3BLoans
$1.7BDeposits
$228.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of banks $1B-$10B in assets (rank 19 of 295).
  • Widest gap: efficiency ratio trails 100% of banks $1B-$10B in assets (rank 293 of 293).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-1.44%

Rank 292 of 295

Net Interest Margin

1.39%

Rank 288 of 295

Efficiency Ratio

250%

Rank 293 of 293

Equity / Assets

10.84%

Rank 100 of 295

Non-interest income vs. expense

$3.0M$82.5MINCOMEEXPENSE
Unfavorable gap of $79.6M · efficiency ratio beats 0% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.44%0.66%0.99%1.28%Beats 1%292 / 295
Return on Equity-13.33%6.86%10.32%12.56%Beats 1%292 / 295
Net Interest Margin1.39%2.78%3.17%3.67%Beats 2%288 / 295
Efficiency Ratio250%55.64%64.40%72.15%Beats 0%293 / 293
Asset Quality
Nonperforming Loans / Loans0.15%0.14%0.43%0.88%Beats 74%76 / 289
Net Charge-Offs / Loans0.00%0.00%0.01%0.03%Beats 81%58 / 289
Capital
Tier 1 Capital Ratio25.99%11.30%12.70%14.80%Beats 94%19 / 295
Total Risk-Based Capital Ratio26.57%12.21%13.57%15.83%Beats 94%19 / 295
Equity / Assets10.84%8.74%9.92%11.39%Beats 66%100 / 295
Liquidity & Funding
Loans / Deposits75.74%77.01%86.08%94.78%22nd pctl227 / 290
Loans / Assets60.47%65.46%73.72%80.10%16th pctl244 / 289
Brokered Deposits / Depositsn/aNot reported for this institution