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
Unfavorable gap of $148.1M · efficiency ratio beats 47% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.93% | 1.23% | 1.54% | Beats 50% | 130 / 258 | | |
| Return on Equity | 16.09% | 9.26% | 11.84% | 14.74% | Beats 84% | 42 / 258 | | |
| Net Interest Margin | 3.31% | 3.16% | 3.49% | 3.88% | Beats 34% | 169 / 258 | | |
| Efficiency Ratio | 61.00% | 51.71% | 60.30% | 69.65% | Beats 47% | 136 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.46% | 0.90% | Beats 76% | 64 / 258 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 33% | 174 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.49% | 11.41% | 12.98% | 15.12% | Beats 57% | 112 / 258 | | |
| Total Risk-Based Capital Ratio | 14.59% | 12.10% | 13.91% | 16.08% | Beats 58% | 108 / 258 | | |
| Equity / Assets | 7.65% | 9.09% | 10.24% | 11.72% | Beats 5% | 244 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.81% | 73.24% | 86.34% | 95.95% | 30th pctl | 181 / 258 | | |
| Loans / Assets | 68.99% | 63.01% | 72.27% | 78.40% | 38th pctl | 161 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |