American Savings Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.15 percentage points higher than in Q1 2026, at 170.03%. American Savings Bank, N.A. has the 3rd lowest return on assets of the 6 banks headquartered in Hawaii, at 1.20% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. American Savings Bank, N.A. sits 0.07 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.49% |
| Tier 1 risk-based capital ratio | 13.49% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 9.10% |
| Equity capital to assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.26% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 170.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 15.82% |
| Net interest margin | 3.59% |
| Efficiency ratio | 61.65% |
| Yield on earning assets | 4.26% |
| Cost of funds | 0.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.81% |
| Core deposits to total deposits | 97.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.01% |
| Securities to assets | 21.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.15% | 12.15% | 13.29% | 7.69% | 0.46% |
| Q4 2023 | 12.27% | 12.27% | 13.38% | 7.68% | 0.13% |
| Q1 2024 | 12.70% | 12.70% | 13.84% | 8.03% | 0.86% |
| Q2 2024 | 13.16% | 13.16% | 14.24% | 8.36% | -1.92% |
| Q3 2024 | 13.50% | 13.50% | 14.55% | 8.65% | 0.80% |
| Q4 2024 | 13.68% | 13.68% | 14.71% | 8.86% | 0.78% |
| Q1 2025 | 12.33% | 12.33% | 13.47% | 7.84% | -3.68% |
| Q2 2025 | 12.79% | 12.79% | 13.96% | 8.64% | 1.15% |
| Q3 2025 | 13.17% | 13.17% | 14.19% | 8.93% | 0.90% |
| Q4 2025 | 13.46% | 13.46% | 14.52% | 9.00% | 0.51% |
| Q1 2026 | 13.49% | 13.49% | 14.55% | 9.03% | 1.27% |
| Q2 2026 | 13.49% | 13.49% | 14.59% | 9.10% | 1.20% |
American Savings Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Savings Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)