Hawaii National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.70 percentage points higher than in Q1 2026, at 47.50%. Hawaii National Bank has the 1st lowest return on assets of the 6 banks headquartered in Hawaii, at 0.92% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Hawaii National Bank sits 0.34 points lower, at 0.92% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.74% |
| Tier 1 risk-based capital ratio | 17.74% |
| Total risk-based capital ratio | 18.99% |
| Tier 1 leverage ratio | 11.02% |
| Equity capital to assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.08% |
| Non-performing assets ratio | 1.85% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 15.86% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 47.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.92% |
| Return on equity | 8.57% |
| Net interest margin | 4.15% |
| Efficiency ratio | 73.18% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.89% |
| Core deposits to total deposits | 95.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.59% |
| Securities to assets | 26.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.83% | 16.83% | 18.09% | 9.66% | 1.00% |
| Q4 2023 | 17.12% | 17.12% | 18.38% | 9.81% | 0.64% |
| Q1 2024 | 18.27% | 18.27% | 19.52% | 10.76% | 3.00% |
| Q2 2024 | 17.43% | 17.43% | 18.68% | 10.39% | -0.59% |
| Q3 2024 | 17.50% | 17.50% | 18.75% | 10.27% | 0.67% |
| Q4 2024 | 17.71% | 17.71% | 18.97% | 10.35% | 0.62% |
| Q1 2025 | 17.45% | 17.45% | 18.70% | 10.30% | 0.67% |
| Q2 2025 | 17.89% | 17.89% | 19.15% | 10.56% | 0.91% |
| Q3 2025 | 17.23% | 17.23% | 18.48% | 10.55% | 0.67% |
| Q4 2025 | 17.03% | 17.03% | 18.28% | 10.43% | 0.51% |
| Q1 2026 | 16.98% | 16.98% | 18.24% | 10.62% | 0.80% |
| Q2 2026 | 17.74% | 17.74% | 18.99% | 11.02% | 0.92% |
Hawaii National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawaii National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)