Hawaii National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.99% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 10.99% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 17.74% +11.24 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $96.5M | 96,478 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $543.9M | 543,918 | RCOAA223 |
| Recomputed ratio | 17.74% | numerator / denominator | |
| Filed ratio | 17.74% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.24 pp | $61.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.74% +9.74 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $96.5M | 96,478 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $543.9M | 543,918 | RCOAA223 |
| Recomputed ratio | 17.74% | numerator / denominator | |
| Filed ratio | 17.74% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.74 pp | $53.0M | capital that could be lost first |
Total risk-based capital ratio 18.99% +8.99 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $103.3M | 103,299 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $543.9M | 543,918 | RCOAA223 |
| Recomputed ratio | 18.99% | numerator / denominator | |
| Filed ratio | 18.99% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.99 pp | $48.9M | capital that could be lost first |
Tier 1 leverage ratio 11.02% +6.02 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $96.5M | 96,478 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $875.5M | 875,536 | RCOAA224 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.02 pp | $52.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 18,660 | 18,660 | 18,660 | 18,660 | 18,660 | 18,660 | RCOAP742 |
| Retained earnings | 77,863 | 75,855 | 74,086 | 72,963 | 71,498 | 69,561 | RCOAKW00 |
| Accumulated other comprehensive income | (2,344) | (1,268) | (173) | (1,053) | (1,654) | (1,868) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 94,179 | 93,247 | 92,573 | 90,570 | 88,504 | 86,353 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,299 | 1,223 | 128 | 1,053 | 1,654 | 1,868 | P859 - P840 |
| Common equity Tier 1 capital | 96,478 | 94,470 | 92,701 | 91,623 | 90,158 | 88,221 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 96,478 | 94,470 | 92,701 | 91,623 | 90,158 | 88,221 | RCOA8274 |
| Tier 2 capital | 6,821 | 6,979 | 6,833 | 6,660 | 6,314 | 6,336 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,821 | 6,979 | 6,833 | 6,660 | 6,314 | 6,336 | RCOA5310 |
| Total capital | 103,299 | 101,449 | 99,534 | 98,283 | 96,472 | 94,557 | RCOA3792 |
| Total risk-weighted assets | 543,918 | 556,273 | 544,470 | 531,712 | 503,831 | 505,574 | RCOAA223 |
| Average total assets for the leverage ratio | 875,536 | 889,634 | 888,426 | 868,685 | 853,831 | 856,373 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $90.5M | $716K | 0.79% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $230.8M | $41.2M | 17.84% | 7.54% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $193.7M | $110.5M | 57.04% | 20.25% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $239K | $358K | 150.00% | 0.07% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $330.3M | $321.6M | 97.36% | 58.94% | RC-R Part II, item 4.d, 5.d |
| All other assets | $33.4M | $32.4M | 96.88% | 5.93% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $35.9M | $35.5M | 98.69% | 6.50% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.5M | NA | 0.64% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $542.2M | ties to item 31 ($542.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $545.7M | RCONB704 |
| Less: excess allowance for credit losses | $1.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $543.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 17.74% | 17.74% | 18.99% | 11.02% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.98% | 16.98% | 18.24% | 10.62% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 17.03% | 17.03% | 18.28% | 10.43% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.23% | 17.23% | 18.48% | 10.55% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.89% | 17.89% | 19.15% | 10.56% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.45% | 17.45% | 18.70% | 10.30% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 17.71% | 17.71% | 18.97% | 10.35% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.50% | 17.50% | 18.75% | 10.27% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.43% | 17.43% | 18.68% | 10.39% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.27% | 18.27% | 19.52% | 10.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.12% | 17.12% | 18.38% | 9.81% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.83% | 16.83% | 18.09% | 9.66% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hawaii National Bank (this bank) | Risk-based | 17.74% | 17.74% | 18.99% | 11.02% | |
| Unified Bank | $871.7M | Risk-based | 12.53% | 12.53% | 13.22% | 8.99% |
| Bogota Savings Bank | $871.8M | CBLR | NA | NA | NA | 15.54% |
| Farmers & Merchants Union Bank | $872.1M | CBLR | NA | NA | NA | 9.97% |
| Falcon National Bank | $872.3M | CBLR | NA | NA | NA | 10.24% |
| First Liberty Bank | $873.2M | Risk-based | 15.76% | 15.76% | 16.98% | 10.11% |
| KS Bank, Inc. | $874.5M | CBLR | NA | NA | NA | 9.01% |
| Farmers and Merchants Bank | $874.5M | Risk-based | 12.09% | 12.09% | 12.75% | 9.98% |
| Bayvanguard Bank | $868.7M | Risk-based | 22.40% | 22.40% | 23.34% | 17.13% |
| Liberty Bank for Savings | $868.6M | Risk-based | 60.82% | 60.82% | 61.63% | 24.01% |
| Resource Bank, N.A. | $868.6M | Risk-based | 13.46% | 13.46% | 14.55% | 8.52% |
| Peer 25th percentile | 12.76% | 12.76% | 13.55% | 9.25% | ||
| Peer median | 14.61% | 14.61% | 15.76% | 10.05% | ||
| Peer 75th percentile | 20.74% | 20.74% | 21.75% | 14.21% | ||
| This bank's percentile | 67 | 67 | 67 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/915065/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.