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
Unfavorable gap of $79.6M · efficiency ratio beats 0% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.44% | 0.66% | 0.99% | 1.28% | Beats 1% | 292 / 295 | n/a | |
| Return on Equity | -13.33% | 6.86% | 10.32% | 12.56% | Beats 1% | 292 / 295 | n/a | |
| Net Interest Margin | 1.39% | 2.78% | 3.17% | 3.67% | Beats 2% | 288 / 295 | n/a | |
| Efficiency Ratio | 250% | 55.64% | 64.40% | 72.15% | Beats 0% | 293 / 293 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.14% | 0.43% | 0.88% | Beats 74% | 76 / 289 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.03% | Beats 81% | 58 / 289 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 25.99% | 11.30% | 12.70% | 14.80% | Beats 94% | 19 / 295 | n/a | |
| Total Risk-Based Capital Ratio | 26.57% | 12.21% | 13.57% | 15.83% | Beats 94% | 19 / 295 | n/a | |
| Equity / Assets | 10.84% | 8.74% | 9.92% | 11.39% | Beats 66% | 100 / 295 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 75.74% | 77.01% | 86.08% | 94.78% | 22nd pctl | 227 / 290 | n/a | |
| Loans / Assets | 60.47% | 65.46% | 73.72% | 80.10% | 16th pctl | 244 / 289 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |