American Savings Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
American Savings Bank, N.A., based in Honolulu, Hawaii, reported $9.0 billion in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 0.68% on its deposits and borrowings, about a third the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 9.10% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Unrealized losses on its securities total $125 million, equal to 15% of Tier 1 capital, against 18% a year earlier.
As of June 30, 2026, American Savings Bank, N.A. reported a CET1 capital ratio of 13.49%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.58%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 300 N Beretania St, Honolulu, HI 96817
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 23, 1987
- Offices
- 35 domestic
- Employees (FTE)
- 991
- Domestic deposits
- $8.24B
- Allowance for credit losses
- $61.5M
- Net charge-offs (YTD)
- $369K
- Average total assets
- $9.04B
- Average total loans
- $6.18B
- Average interest-bearing deposits
- $5.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32526
- Fed RSSD
- 54973
- Website
- www.asbhawaii.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Savings Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Savings Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
American Savings Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.49% | 1.20% | 0.19% | 1.58% | 3.59% |
| Q1 2026 | 13.49% | 1.27% | 0.20% | 1.63% | 3.55% |
| Q4 2025 | 13.46% | 0.51% | 0.47% | 3.95% | 3.58% |
| Q3 2025 | 13.17% | 0.90% | 0.19% | 1.64% | 3.50% |
| Q2 2025 | 12.79% | 1.15% | 0.23% | 2.08% | 3.42% |
| Q1 2025 | 12.33% | -3.68% | 0.22% | 2.05% | 3.02% |
| Q4 2024 | 13.68% | 0.78% | 0.41% | 4.06% | 2.86% |
| Q3 2024 | 13.50% | 0.80% | 0.42% | 4.12% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 35 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Savings Bank, N.A. (main office) | Honolulu , HI | 96817 | $1.77B |
| Kalihi Branch | Honolulu , HI | 96819 | $485.4M |
| Downtown Branch | Honolulu , HI | 96813 | $350.2M |
| Kapiolani Branch | Honolulu , HI | 96814 | $330.5M |
| Pearl City Branch | Pearl City , HI | 96782 | $329.2M |
| Kahala Branch | Honolulu , HI | 96816 | $325.3M |
| Kahului Branch | Kahului , HI | 96732 | $316.6M |
| Mililani Shopping Center Branch | Mililani , HI | 96789 | $298.8M |
| Kaimuki Shopping Center Branch | Honolulu , HI | 96816 | $288.4M |
| Kaneohe Branch | Kaneohe , HI | 96744 | $252.2M |
| Kailua Branch | Kailua , HI | 96734 | $251.0M |
| Pearlridge Branch | Aiea , HI | 96701 | $225.5M |
| Hilo Branch | Hilo , HI | 96720 | $219.2M |
| Waipahu Branch | Waipahu , HI | 96797 | $213.0M |
| Salt Lake Branch | Honolulu , HI | 96818 | $211.7M |
| Makiki Branch | Honolulu , HI | 96814 | $198.9M |
| Mccully Branch | Honolulu , HI | 96826 | $195.6M |
| Hokulei Village Branch | Lihue , HI | 96766 | $189.9M |
| Manoa Branch | Honolulu , HI | 96822 | $159.9M |
| Hawaii Kai Branch | Honolulu , HI | 96825 | $156.2M |
| Kihei Branch | Kihei , HI | 96753 | $150.6M |
| Ewa Branch | Ewa Beach , HI | 96706 | $144.2M |
| Kailua Kona Branch | Kailua Kona , HI | 96740 | $143.4M |
| Kehalani Foodland Branch | Wailuku , HI | 96793 | $133.0M |
| Queen-Ward Branch | Honolulu , HI | 96814 | $116.4M |
Regulatory record
What the public regulatory sources show for American Savings Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC (former OTS)); 1 against individuals associated with it
- December 11, 2008, OCC (former OTS): Termination of Cease and Desist: American Savings Bank, F.S.B.
- January 23, 2008, OCC (former OTS): Cease and Desist: American Savings Bank, F.S.B.
- January 23, 2008, OCC (former OTS): Civil Money Penalty: American Savings Bank, F.S.B.,
- Period: Most recent institution action December 11, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 14.4% of deposits in HI, rank 3 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,482 applications, 1,416 loans originated, $700.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Savings Bank, N.A.
What are American Savings Bank, N.A.'s total assets?
As of the Q2 2026 filing, American Savings Bank, N.A. reported total assets of $9.05 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Savings Bank, N.A. headquartered?
American Savings Bank, N.A. is headquartered in Honolulu, HI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American Savings Bank, N.A. founded?
American Savings Bank, N.A. was established in 1987, per the FDIC institution directory.
Is American Savings Bank, N.A. FDIC-insured?
Yes. American Savings Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Savings Bank, N.A.?
American Savings Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Savings Bank, N.A.'s CET1 capital ratio?
American Savings Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Savings Bank, N.A. operate?
American Savings Bank, N.A. operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Savings Bank, N.A.'s Texas Ratio?
American Savings Bank, N.A.'s Texas Ratio is 1.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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