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American Savings Bank, National Association

Honolulu, HI · Cert 32526

National charter · OCC · 35 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 operating in a single state (n=257 to 258). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer 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

American Savings Bank, National Association

Honolulu, HI · Cert 32526

National charter · OCC · 35 branches

Q2 2026

$9.0BAssets
$6.2BLoans
$8.2BDeposits
$692.5MEquity
Loan mix
89%RE $5.4B9%C&I $0.6B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $5.7B31%Noninterest $2.6BQ2 2025Q2 2026

NIM

3.65%Q2 ’243.98%Q2 ’253.92%Q2 ’26+19%+7%

Non-interest income vs. expense

4.04%Q2 ’242.42%Q2 ’252.61%Q2 ’26-52%+3%

Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 14.6% share · #3 of 13 inst. · $6.7B of $46.0B

14.6% Honolulu
17.7% Maui
9.1% Hawaii
14.9% Kauai

Executive Summary

  • Earnings: ROA of 1.24%, up 259 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.19% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.10%, up 47 bps from a year ago.
  • Funding: loans stand at 75.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+259 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+23 bps YoY

Efficiency Ratio (YTD, annualized)

61.00%-93 bps YoY

Tier 1 Leverage Ratio

9.10%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.35%-0.61%-0.34%1.27%1.24%+259 bps
Return on Equity-21.12%-9.26%-4.93%16.90%16.36%+3,748 bps
Net Interest Margin3.08%3.15%3.18%3.30%3.31%+23 bps
Efficiency Ratio61.93%66.82%71.55%60.29%61.00%-93 bps
Non-Interest Burden1.60%1.91%2.07%1.63%1.64%+4 bps
Growth
Asset Growth (YoY)-5.03%-5.10%-3.35%-1.31%2.67%+770 bps
Loan Growth (YoY)0.87%0.86%-0.54%1.23%2.40%+153 bps
Deposit Growth (YoY)-0.49%-0.59%1.28%-0.03%2.29%+278 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.19%0.47%0.20%0.19%-4 bps
Net Charge-Offs / Loans0.11%0.10%0.08%0.02%0.01%-10 bps
Allowance / Loans1.07%0.92%0.95%0.95%0.99%-9 bps
Allowance Coverage of NPLs4.6x4.9x2.0x4.8x5.2x+0.5x
Capital
Tier 1 Leverage Ratio8.64%8.93%9.00%9.03%9.10%+47 bps
Total Risk-Based Capital13.96%14.19%14.52%14.55%14.59%+63 bps
Equity / Assets7.00%7.34%7.46%7.54%7.65%+65 bps
Liquidity & Funding
Loans / Deposits75.72%76.18%74.42%74.63%75.81%+8 bps
Liquid Assets / Assets14.56%14.39%15.47%13.10%12.81%-175 bps
CRE / Total Capitaln/a217%214%217%n/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

American Savings Bank, National Association

Honolulu, HI · Cert 32526 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

National charter · OCC · 35 branches

Q2 2026

$9.0BAssets
$6.2BLoans
$8.2BDeposits
$692.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 258).
  • Widest gap: equity / assets trails 95% of banks $1B-$10B in assets operating in a single state (rank 244 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.23%

Rank 130 of 258

Net Interest Margin

3.31%

Rank 169 of 258

Efficiency Ratio

61.00%

Rank 136 of 257

Equity / Assets

7.65%

Rank 244 of 258

Non-interest income vs. expense

$87.9M$235.9MINCOMEEXPENSE
Unfavorable gap of $148.1M · efficiency ratio beats 47% of banks $1B-$10B in assets operating in a single state
Bank 61.00%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.93%1.23%1.54%Beats 50%130 / 258
Return on Equity16.09%9.26%11.84%14.74%Beats 84%42 / 258
Net Interest Margin3.31%3.16%3.49%3.88%Beats 34%169 / 258
Efficiency Ratio61.00%51.71%60.30%69.65%Beats 47%136 / 257
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.46%0.90%Beats 76%64 / 258
Net Charge-Offs / Loans0.05%0.01%0.02%0.07%Beats 33%174 / 258
Capital
Tier 1 Capital Ratio13.49%11.41%12.98%15.12%Beats 57%112 / 258
Total Risk-Based Capital Ratio14.59%12.10%13.91%16.08%Beats 58%108 / 258
Equity / Assets7.65%9.09%10.24%11.72%Beats 5%244 / 258
Liquidity & Funding
Loans / Deposits75.81%73.24%86.34%95.95%30th pctl181 / 258
Loans / Assets68.99%63.01%72.27%78.40%38th pctl161 / 258
Brokered Deposits / Depositsn/aNot reported for this institution