American Savings Bank, N.A.
Also written as ASB
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Data as of · sourced from FFIEC call reports. How we update
American Savings Bank, N.A. is an FDIC-insured commercial bank headquartered in Honolulu, HI, established in 1987 (FDIC certificate 32526), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.05B, up 2.7% from Q2 2025, the 3rd largest of 6 banks headquartered in Hawaii. Its CET1 capital ratio was 13.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32526
- Headquarters
- Honolulu, HI
- Established
- 1987
- Total assets, Q2 2026
- $9.05B
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 13.49%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 321370765
- Latest call report
- Q2 2026, FFIEC 041 · American Savings Bank, N.A. call report
- Asset rank in state
- 3rd of 6 in Hawaii
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%. The figures come from its call report filed with the FFIEC.
American Savings Bank, N.A. ranks as the 3rd largest of the 6 banks based in Hawaii, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $9.05B, loans rose 1.5% and deposits were flat. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 58.8% of total loans, followed by non-owner-occupied commercial real estate loans at 18.5%. Its 35 offices in the FDIC Summary of Deposits are in 24 cities in HI; its Honolulu 12 offices book 56% of its branch deposits. On its Q2 2026 call report, American Savings Bank, N.A. meets every capital ratio test for well capitalized.
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
- Domestic offices
- 35 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American Savings Bank, N.A.'s total assets moved between a low of $8.79B (Q3 2025) and a high of $9.67B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.05B total assets against $8.81B; $8.36B total liabilities against $8.20B.
$6.18B net loans and leases against $6.03B; $8.24B total deposits against $8.05B.
$1.94B securities against $1.79B; $228.9M cash and balances due against $299.3M.
$89.3M total interest income against $87.2M; $14.0M total interest expense against $16.6M.
$75.2M net interest income against $70.7M.
$23.8M total noninterest income against $19.6M; $61.1M total noninterest expense against $54.1M.
$3.3M provision for credit losses against $2.7M.
$27.2M net income against $25.7M.
1.20% return on assets against 1.15%; 3.59% net interest margin against 3.42%.
13.49% CET1 capital ratio against 12.79%; 9.10% tier 1 leverage ratio against 8.64%.
Inside the full American Savings Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 176 of 4,196, for total assets; its furthest is 748 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.68% (Q1 2025) to 1.27% (Q1 2026) and its net interest margin ran from 2.84% (Q3 2024) to 3.59% (Q2 2026).
| 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
View all 35 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is American Savings Bank, N.A. headquartered?
It is headquartered in Honolulu, HI, United States.
When was American Savings Bank, N.A. founded?
It was established in 1987, per the FDIC institution directory.
Is American Savings Bank, N.A. FDIC-insured?
Yes. It 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.
What is American Savings Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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