Hawaii National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.67 percentage points lower than in Q1 2026, at 11.14%. Hawaii National Bank has the 1st lowest loan-to-deposit ratio of the 6 banks headquartered in Hawaii, at 67.89% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hawaii National Bank sits 12.94 points lower, at 67.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $524.3M |
| Net loans and leases | $516.7M |
| Loans held for sale | $0 |
| Loans to total assets | 60.15% |
| Loan-to-deposit ratio | 67.89% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.29% |
| Multifamily (5+ residential) | 2.65% |
| Commercial and industrial | 22.47% |
| Consumer | 0.54% |
| Credit cards | 0.00% |
| Farm | 1.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.39% |
| Construction concentration (Tier 1 capital + allowance) | 11.14% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $448.6M | $710.2M | 35.89% | 21.53% | 0.61% |
| Q4 2023 | $450.3M | $714.2M | 35.01% | 22.32% | 0.54% |
| Q1 2024 | $457.1M | $699.4M | 34.22% | 22.89% | 0.52% |
| Q2 2024 | $475.8M | $741.3M | 33.49% | 23.81% | 0.49% |
| Q3 2024 | $481.8M | $728.3M | 32.47% | 24.75% | 0.52% |
| Q4 2024 | $486.7M | $770.4M | 31.77% | 25.12% | 0.49% |
| Q1 2025 | $503.7M | $766.9M | 31.11% | 25.69% | 0.51% |
| Q2 2025 | $500.6M | $768.9M | 31.02% | 24.90% | 0.45% |
| Q3 2025 | $522.8M | $774.3M | 32.82% | 23.90% | 0.43% |
| Q4 2025 | $529.6M | $795.3M | 32.21% | 22.73% | 0.42% |
| Q1 2026 | $526.6M | $784.6M | 33.34% | 22.21% | 0.43% |
| Q2 2026 | $524.3M | $772.3M | 34.29% | 22.47% | 0.54% |
Hawaii National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawaii National Bank, freeSource: Call Report Schedule RC-C, 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)