Hawaii National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.08 percentage points higher than in Q1 2026, at 70.86%. On loan-to-deposit ratio, Hawaii National Bank is 1st from the bottom among 6 Hawaii banks, 67.89% (Q2 2026). Hawaii National Bank reported 67.89% on loan-to-deposit ratio for Q2 2026, 12.94 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $90.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $318.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.89% |
| Net loans and leases to deposits | 66.90% |
| Loans and leases to core deposits | 70.86% |
| Core deposits to total deposits | 95.81% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 63.17% | 94.69% | $0 | $0 |
| Q4 2023 | 63.05% | 94.36% | $0 | $0 |
| Q1 2024 | 65.35% | 94.06% | $0 | $0 |
| Q2 2024 | 64.19% | 94.53% | $0 | $0 |
| Q3 2024 | 66.15% | 94.50% | $0 | $0 |
| Q4 2024 | 63.17% | 94.25% | $0 | $0 |
| Q1 2025 | 65.69% | 93.53% | $0 | $720K |
| Q2 2025 | 65.11% | 93.02% | $0 | $707K |
| Q3 2025 | 67.52% | 93.26% | $0 | $694K |
| Q4 2025 | 66.59% | 93.15% | $0 | $2.3M |
| Q1 2026 | 67.12% | 96.19% | $0 | $2.2M |
| Q2 2026 | 67.89% | 95.81% | $0 | $2.2M |
Hawaii National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawaii National Bank, freeSource: Call Report Schedules RC and RC-M, 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)