Financial strength ranking · Hawaii · Call Report data as of Q2 2026

Best Banks in Hawaii by Financial Strength

Finance Factors, Limited ranks first among the 6 banks headquartered in Hawaii we score, with a financial strength score of 55.5 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Finance Factors, Limited
Its score: 55.5 of 100
Banks scored in Hawaii: 6
Its return on assets: 1.70%

Every scored bank in Hawaii

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Hawaii ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Finance Factors, Limited Honolulu	55.5	1.70%	53.50%	12.02%	1.50%	$683.7M
2	First Hawaiian Bank Honolulu	52.2	1.32%	53.29%	9.44%	0.18%	$23.65B
3	Central Pacific Bank Honolulu	47.7	1.21%	56.70%	9.60%	0.22%	$7.50B
4	Hawaii National Bank Honolulu	45.7	0.92%	73.18%	11.02%	0.03%	$871.7M
5	Bank of Hawaii Honolulu	44.5	1.08%	56.16%	8.38%	0.11%	$23.81B
6	American Savings Bank, N.A. Honolulu	44.0	1.20%	61.65%	9.10%	0.13%	$9.05B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Hawaii?

By our financial strength score, Finance Factors, Limited of Honolulu ranks first among the 6 scored banks headquartered in Hawaii, scoring 55.5 out of 100 for Q2 2026: return on assets of 1.70%, an efficiency ratio of 53.50%, a Tier 1 leverage ratio of 12.02% and nonperforming assets of 1.50% of total assets. First Hawaiian Bank and Central Pacific Bank rank second and third.

How are the best banks in Hawaii ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Hawaii

Largest banks in Hawaii Bank deposits in Hawaii Largest credit unions in Hawaii Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.