Hawaii National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.15% against 3.95%. It was the largest change among the key lines on this page. As of Q2 2026, Hawaii National Bank ranks first in Hawaii on net interest margin among 6 banks, at 4.15%. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hawaii National Bank sits 0.20 points higher, at 4.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 5.87% |
| Yield on securities | 4.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.28% |
| Cost of interest-bearing liabilities | 1.29% |
| Cost of borrowings | 4.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.80% | 0.41% | 4.41% | 5.00% | 4.32% |
| Q4 2023 | 5.07% | 0.71% | 4.39% | 5.20% | 4.42% |
| Q1 2024 | 5.02% | 0.92% | 4.15% | 5.30% | 4.49% |
| Q2 2024 | 5.24% | 1.10% | 4.20% | 5.44% | 4.65% |
| Q3 2024 | 5.26% | 1.23% | 4.10% | 5.58% | 4.66% |
| Q4 2024 | 5.15% | 1.26% | 3.96% | 5.46% | 4.63% |
| Q1 2025 | 5.00% | 1.23% | 3.84% | 5.50% | 4.44% |
| Q2 2025 | 5.20% | 1.24% | 4.03% | 5.62% | 4.47% |
| Q3 2025 | 5.20% | 1.30% | 3.98% | 5.75% | 4.50% |
| Q4 2025 | 5.26% | 1.27% | 4.07% | 5.84% | 4.47% |
| Q1 2026 | 5.08% | 1.19% | 3.95% | 5.71% | 4.34% |
| Q2 2026 | 5.25% | 1.17% | 4.15% | 5.87% | 4.40% |
Hawaii National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawaii National Bank, freeSource: Call Report Schedules RI and RC-K, 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)