Hawaii National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hawaii National Bank of Honolulu, HI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.92% | 1.34% | -0.42% | 29th below |
| ROAE | 8.57% | 13.32% | -4.75% | 28th below |
| Net Interest Margin | 4.15% | 3.93% | +0.22% | 62nd above |
| Efficiency Ratio | 73.18% | 61.13% | +12.05% | 22nd bottom |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 1.17% | 1.88% | -0.71% | 86th top |
| Net Interest Spread | 3.96% | 3.32% | +0.64% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.08% | 0.94% | +2.14% | 6th bottom |
| NPA / Total Assets | 1.85% | 0.70% | +1.15% | 9th bottom |
| NCO / Avg Loans | 0.20% | 0.16% | +0.04% | 12th bottom |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) | 47.50% | 1540.05% | -1492.55% | 9th bottom |
| Texas Ratio | 15.86% | 7.32% | +8.54% | 12th bottom |
| Provision / NCO | -16.73% | 1397.30% | -1414.03% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.74% | 19.50% | -1.76% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.74% | 19.54% | -1.80% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.99% | 20.62% | -1.63% | 68th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.02% | 12.14% | -1.12% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.37% | -0.57% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.09% | -0.29% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.89% | 80.65% | -12.76% | 74th above |
| Core Deposit Ratio | 95.81% | 86.85% | +8.96% | 88th top |
| Wholesale Funding Ratio | 0.25% | 5.04% | -4.79% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | 6.86% | -5.85% | 25th below |
| Loan Growth (Y/Y) | 4.73% | 7.91% | -3.18% | 46th below |
| Deposit Growth (Y/Y) | 0.43% | 6.29% | -5.86% | 25th below |
See Hawaii National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hawaii National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hawaii National Bank profile, how to read a UBPR, or how this data updates.