American Savings Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Savings Bank, N.A. of Honolulu, HI against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.46% | -0.26% | 44th below |
| ROAE | 15.82% | 12.68% | +3.14% | 76th top |
| Net Interest Margin | 3.59% | 3.85% | -0.26% | 41st below |
| Efficiency Ratio | 61.65% | 57.39% | +4.26% | 39th below |
| PPNR / Avg Assets | 1.68% | 1.88% | -0.20% | 47th below |
| Yield on Earning Assets | 4.26% | 5.72% | -1.46% | 4th bottom |
| Cost of Funds | 0.68% | 2.02% | -1.34% | 98th top |
| Net Interest Spread | 3.27% | 3.18% | +0.09% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.58% | 1.00% | -0.42% | 53rd above |
| NPA / Total Assets | 0.40% | 0.76% | -0.36% | 57th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 28th below |
| ACL / NPLs (Coverage) | 170.03% | 565.78% | -395.75% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.26% | 7.40% | -2.14% | 47th below |
| Provision / NCO | 1178.05% | 616.22% | +561.83% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.49% | 17.35% | -3.86% | 50th above |
| Tier 1 Ratio | 13.49% | 17.38% | -3.89% | 49th below |
| Total Capital Ratio | 14.59% | 18.43% | -3.84% | 49th below |
| Leverage Ratio | 9.10% | 11.44% | -2.34% | 14th bottom |
| Equity / Assets | 7.65% | 11.35% | -3.70% | 5th bottom |
| TCE / Tangible Assets | 7.65% | 10.51% | -2.86% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.81% | 86.99% | -11.18% | 77th top |
| Core Deposit Ratio | 97.91% | 85.51% | +12.40% | 96th top |
| Uninsured Deposit Ratio | 23.32% | 33.16% | -9.84% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.67% | 9.70% | -7.03% | 32nd below |
| Loan Growth (Y/Y) | 2.40% | 8.08% | -5.68% | 31st below |
| Deposit Growth (Y/Y) | 2.29% | 7.90% | -5.61% | 33rd below |
See American Savings Bank, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Savings Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Savings Bank, N.A. profile, how to read a UBPR, or how this data updates.