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Letter portraitLegal landscapeQuarterYTD

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