American Savings Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.18 percentage points in Q2 2026, from 74.63% to 75.81%. It was the largest change from Q1 2026 among the key lines here. Among 6 Hawaii banks, American Savings Bank, N.A. sits 3rd from the top on loan-to-deposit ratio, 75.81% as of Q2 2026. American Savings Bank, N.A. reported 75.81% on loan-to-deposit ratio for Q2 2026, 12.39 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.24B |
| Net loans and leases | $6.18B |
| Loans held for sale | $4.5M |
| Loans to total assets | 68.99% |
| Loan-to-deposit ratio | 75.81% |
| Net loans to equity capital | 8.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.07% |
| Multifamily (5+ residential) | 3.30% |
| Commercial and industrial | 9.51% |
| Consumer | 1.91% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.17% |
| Construction concentration (Tier 1 capital + allowance) | 24.42% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.91% |
| Interest income on loans | $75.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.19B | $8.27B | 19.95% | 10.87% | 4.52% |
| Q4 2023 | $6.20B | $8.20B | 19.44% | 11.22% | 4.31% |
| Q1 2024 | $6.12B | $8.05B | 19.50% | 10.41% | 4.14% |
| Q2 2024 | $6.04B | $8.09B | 19.77% | 10.15% | 4.00% |
| Q3 2024 | $6.04B | $8.04B | 19.76% | 9.97% | 3.91% |
| Q4 2024 | $6.12B | $8.08B | 20.95% | 10.04% | 3.78% |
| Q1 2025 | $6.07B | $8.24B | 20.86% | 10.10% | 3.71% |
| Q2 2025 | $6.10B | $8.05B | 20.85% | 10.03% | 3.65% |
| Q3 2025 | $6.09B | $8.00B | 21.35% | 10.10% | 1.86% |
| Q4 2025 | $6.09B | $8.18B | 21.24% | 8.72% | 1.87% |
| Q1 2026 | $6.15B | $8.24B | 22.01% | 9.11% | 1.81% |
| Q2 2026 | $6.24B | $8.24B | 22.07% | 9.51% | 1.91% |
American Savings Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Savings Bank, N.A., freeSource: Call Report Schedule RC-C, 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)