American Savings Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 2.1%, from $457.2M to $466.9M, the largest move among the key lines here. American Savings Bank, N.A. has the 3rd lowest CET1 ratio of the 6 banks headquartered in Hawaii, at 13.49% as of Q2 2026. At 13.49%, American Savings Bank, N.A.'s CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.49% |
| Tier 1 risk-based capital ratio | 13.49% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 9.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $822.5M |
| Tier 1 capital | $822.5M |
| Total risk-based capital | $889.3M |
| Total equity capital | $692.5M |
| Risk-weighted assets | $6.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 7.66% |
| Internal capital growth rate | 5.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9K |
| Common stock surplus | $359.7M |
| Retained earnings | $466.9M |
| Preferred stock and surplus | $5K |
| Accumulated other comprehensive income | -$134.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.15% | 12.15% | 13.29% | 7.69% | $6.24B |
| Q4 2023 | 12.27% | 12.27% | 13.38% | 7.68% | $6.19B |
| Q1 2024 | 12.70% | 12.70% | 13.84% | 8.03% | $6.12B |
| Q2 2024 | 13.16% | 13.16% | 14.24% | 8.36% | $6.06B |
| Q3 2024 | 13.50% | 13.50% | 14.55% | 8.65% | $6.05B |
| Q4 2024 | 13.68% | 13.68% | 14.71% | 8.86% | $6.11B |
| Q1 2025 | 12.33% | 12.33% | 13.47% | 7.84% | $6.04B |
| Q2 2025 | 12.79% | 12.79% | 13.96% | 8.64% | $6.02B |
| Q3 2025 | 13.17% | 13.17% | 14.19% | 8.93% | $6.00B |
| Q4 2025 | 13.46% | 13.46% | 14.52% | 9.00% | $5.96B |
| Q1 2026 | 13.49% | 13.49% | 14.55% | 9.03% | $6.02B |
| Q2 2026 | 13.49% | 13.49% | 14.59% | 9.10% | $6.10B |
American Savings Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Savings Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32526) · FFIEC NIC profile (RSSD 54973)