Hawaii National Bank
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Data as of · sourced from FFIEC call reports. How we update
Hawaii National Bank is an FDIC-insured commercial bank headquartered in Honolulu, HI, established in 1960 (FDIC certificate 18296), and it is supervised by the OCC. At Q2 2026 it reported total assets of $871.7M, up 1.0% from Q2 2025, the 5th largest of 6 banks headquartered in Hawaii. Its CET1 capital ratio was 17.74% 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
- 18296
- Headquarters
- Honolulu, HI
- Established
- 1960
- Total assets, Q2 2026
- $871.7M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 17.74%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 121301772
- Latest call report
- Q2 2026, FFIEC 051 · Hawaii National Bank call report
- Holding company
- HAWAII NATIONAL BANCSHARES, INC.
- Asset rank in state
- 5th of 6 in Hawaii
Hawaii National Bank, based in Honolulu, Hawaii, reported $872 million in assets at June 30, 2026, up 1.0% from a year earlier. It pays an average of 1.17% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 4.7% and deposits rose 0.4%. Delinquency has appeared in its $104 million non-owner-occupied commercial real estate book: 1.08% of those loans are past due or on nonaccrual, against almost none a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Hawaii National Bank reported a CET1 capital ratio of 17.74%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Hawaii National Bank ranks as the 5th largest of the 6 banks based in Hawaii, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $871.7M, loans fell 0.4% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.6% of total loans, followed by commercial and industrial loans at 22.5%. Its 10 offices in the FDIC Summary of Deposits are in 5 cities in HI; its Honolulu 6 offices book 81% of its branch deposits. Judged on its Q2 2026 call report, Hawaii National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 45 N King St Fl 7, 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 051
- Established
- September 16, 1960
- Former names
- Hawaii National Bank, Honolulu (1970-1990)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $772.3M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $263K
- Average total assets
- $875.6M
- Average total loans
- $524.1M
- Average interest-bearing deposits
- $721.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 16, 1960
- FDIC Cert
- 18296
- Fed RSSD
- 915065
- SEC CIK
- 805304 → filed by HAWAII NATIONAL BANCSHARES, INC.
- Website
- www.hawaiinational.bank →
- Parent Holding Company
- HAWAII NATIONAL BANCSHARES, INC. (RSSD 1142439)
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
Over the 12 quarters to Q2 2026, Hawaii National Bank's total assets ran between $783.5M (Q1 2024) and $893.3M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$871.7M total assets against $863.0M; $777.5M total liabilities against $774.5M.
$516.7M net loans and leases against $493.4M; $772.3M total deposits against $768.9M.
$227.6M securities against $195.8M; $90.5M cash and balances due against $139.9M.
$11.0M total interest income against $10.6M; $2.3M total interest expense against $2.4M.
$8.7M net interest income against $8.2M.
$616K total noninterest income against $810K; $6.8M total noninterest expense against $6.5M.
-$195K provision for credit losses against -$52K.
$2.0M net income against $1.9M.
0.92% return on assets against 0.91%; 4.15% net interest margin against 4.03%.
17.74% CET1 capital ratio against 17.89%; 11.02% tier 1 leverage ratio against 10.56%.
Inside the full Hawaii National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHawaii National Bank rankings
Its closest position to the top of a national ranking is 504 of 2,134, for CET1 ratio; its furthest is 3,131 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q4 2025) to 0.92% (Q2 2026) and its net interest margin ran from 3.84% (Q1 2025) to 4.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.74% | 0.92% | 0.05% | 0.23% | 4.15% |
| Q1 2026 | 16.98% | 0.80% | 0.45% | 2.35% | 3.95% |
| Q4 2025 | 17.03% | 0.51% | 0.22% | 1.16% | 4.07% |
| Q3 2025 | 17.23% | 0.67% | 0.02% | 0.09% | 3.98% |
| Q2 2025 | 17.89% | 0.91% | 0.02% | 0.10% | 4.03% |
| Q1 2025 | 17.45% | 0.67% | 0.02% | 0.11% | 3.84% |
| Q4 2024 | 17.71% | 0.62% | 0.02% | 0.11% | 3.96% |
| Q3 2024 | 17.50% | 0.67% | 0.00% | 0.00% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Main Branch | Honolulu , HI | 96817 | $282.0M |
| Kalihi Branch | Honolulu , HI | 96817 | $137.9M |
| Kapiolani Branch | Honolulu , HI | 96814 | $64.1M |
| Airport Branch | Honolulu , HI | 96816 | $59.7M |
| Kaimuki Branch | Honolulu , HI | 96816 | $57.5M |
| Puainako Branch | Hilo , HI | 96720 | $55.6M |
| Kailua Branch | Kailua , HI | 96734 | $34.5M |
| Pearl City Branch | Pearl City , HI | 96782 | $28.7M |
| Hawaii National Bank (main office) | Honolulu , HI | 96817 | $26.4M |
| Kahului Branch | Kahului , HI | 96732 | $25.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 30, 1997 | Structure Change | Acquired Computer Systems International, Ltd. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1995 | Structure Change | Acquired Bank USA, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 19, 1995 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in HI, rank 6 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 20 loans originated, $22.6M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.3M approved, $263K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Hawaii National Bank
What are Hawaii National Bank's total assets?
As of the Q2 2026 filing, Hawaii National Bank reported total assets of $871.7 million in its FFIEC call report.
Where is Hawaii National Bank headquartered?
It is headquartered in Honolulu, HI, United States.
When was Hawaii National Bank founded?
It was established in 1960, per the FDIC institution directory.
Is Hawaii National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hawaii National Bank?
Hawaii National Bank's primary federal regulator is the OCC.
What is Hawaii National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hawaii National Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hawaii National Bank's Texas Ratio?
Its Texas Ratio is 0.23% 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.
What was Hawaii National Bank previously called?
The charter now named Hawaii National Bank has also operated as Hawaii National Bank, Honolulu (1970-1990), per FDIC structure-change records.
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