Hawaii National Bank: 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%.
Accumulated other comprehensive income dropped 84.9% in Q2 2026, from -$1.3M to -$2.3M. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Hawaii National Bank ranks first in Hawaii on CET1 ratio among 6 banks, at 17.74%. Hawaii National Bank reported 17.74% on CET1 ratio for Q2 2026, 2.67 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.74% |
| Tier 1 risk-based capital ratio | 17.74% |
| Total risk-based capital ratio | 18.99% |
| Tier 1 leverage ratio | 11.02% |
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 | $96.5M |
| Tier 1 capital | $96.5M |
| Total risk-based capital | $103.3M |
| Total equity capital | $94.2M |
| Risk-weighted assets | $543.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
| Equity capital to average assets | 10.76% |
| Internal capital growth rate | 8.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.9M |
| Common stock surplus | $12.8M |
| Retained earnings | $77.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 16.83% | 16.83% | 18.09% | 9.66% | $463.8M |
| Q4 2023 | 17.12% | 17.12% | 18.38% | 9.81% | $462.3M |
| Q1 2024 | 18.27% | 18.27% | 19.52% | 10.76% | $466.8M |
| Q2 2024 | 17.43% | 17.43% | 18.68% | 10.39% | $482.7M |
| Q3 2024 | 17.50% | 17.50% | 18.75% | 10.27% | $488.5M |
| Q4 2024 | 17.71% | 17.71% | 18.97% | 10.35% | $490.0M |
| Q1 2025 | 17.45% | 17.45% | 18.70% | 10.30% | $505.6M |
| Q2 2025 | 17.89% | 17.89% | 19.15% | 10.56% | $503.8M |
| Q3 2025 | 17.23% | 17.23% | 18.48% | 10.55% | $531.7M |
| Q4 2025 | 17.03% | 17.03% | 18.28% | 10.43% | $544.5M |
| Q1 2026 | 16.98% | 16.98% | 18.24% | 10.62% | $556.3M |
| Q2 2026 | 17.74% | 17.74% | 18.99% | 11.02% | $543.9M |
Hawaii National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawaii National Bank, 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 Hawaii National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18296) · FFIEC NIC profile (RSSD 915065)