Hawaii National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Hawaii National Bank is a locally rooted FDIC-insured community bank based in Honolulu, HI. The Q2 2026 balance sheet stands at $872M in assets, including $524M in loans. Earnings are mid-range, 0.92% ROA and a 4.15% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 17.74% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is impaired, with nonperforming loans at 3.08%. 10 branches make up the footprint.
As of June 30, 2026, Hawaii National Bank reported a CET1 capital ratio of 17.74%, a return on assets of 0.92%, a nonperforming-loan ratio of 3.08%, a Texas ratio of 15.86%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 45 N King St Fl 7, Honolulu, HI 96817
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 16, 1960
- Former names
- Hawaii National Bank, Honolulu (1970-1990)
- Offices
- 10 domestic
- Employees (FTE)
- 148
- Domestic deposits
- $772.3M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $263K
- Average total assets
- $875.6M
- Average total loans
- $524.1M
- Average interest-bearing deposits
- $721.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 16, 1960
- FDIC Cert
- 18296
- Fed RSSD
- 915065
- SEC CIK
- 805304 → filed by HAWAII NATIONAL BANCSHARES, INC.
- Website
- www.hawaiinational.bank →
- Parent Holding Company
- HAWAII NATIONAL BANCSHARES, INC. (RSSD 1142439)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hawaii National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hawaii National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Hawaii National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.74% | 0.92% | 3.08% | 15.86% | 4.15% |
| Q1 2026 | 16.98% | 0.80% | 3.49% | 20.50% | 3.95% |
| Q4 2025 | 17.03% | 0.51% | 2.59% | 14.78% | 4.07% |
| Q3 2025 | 17.23% | 0.67% | 2.63% | 14.02% | 3.98% |
| Q2 2025 | 17.89% | 0.91% | 2.88% | 15.07% | 4.03% |
| Q1 2025 | 17.45% | 0.67% | 0.32% | 1.83% | 3.84% |
| Q4 2024 | 17.71% | 0.62% | 0.34% | 1.99% | 3.96% |
| Q3 2024 | 17.50% | 0.67% | 0.36% | 1.90% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Main Branch | Honolulu , HI | 96817 | $282.0M |
| Kalihi Branch | Honolulu , HI | 96817 | $137.9M |
| Kapiolani Branch | Honolulu , HI | 96814 | $64.1M |
| Airport Branch | Honolulu , HI | 96816 | $59.7M |
| Kaimuki Branch | Honolulu , HI | 96816 | $57.5M |
| Puainako Branch | Hilo , HI | 96720 | $55.6M |
| Kailua Branch | Kailua , HI | 96734 | $34.5M |
| Pearl City Branch | Pearl City , HI | 96782 | $28.7M |
| Hawaii National Bank (main office) | Honolulu , HI | 96817 | $26.4M |
| Kahului Branch | Kahului , HI | 96732 | $25.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 30, 1997 | Structure Change | Acquired Computer Systems International, Ltd. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1995 | Structure Change | Acquired Bank USA, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 19, 1995 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Hawaii National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in HI, rank 6 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 20 loans originated, $22.6M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Hawaii National Bank
What are Hawaii National Bank's total assets?
As of the Q2 2026 filing, Hawaii National Bank reported total assets of $871.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hawaii National Bank headquartered?
Hawaii National Bank is headquartered in Honolulu, HI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hawaii National Bank founded?
Hawaii National Bank was established in 1960, per the FDIC institution directory.
Is Hawaii National Bank FDIC-insured?
Yes. Hawaii National Bank is an FDIC-insured commercial bank (FDIC Certificate #18296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hawaii National Bank?
Hawaii National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hawaii National Bank's CET1 capital ratio?
Hawaii National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hawaii National Bank operate?
Hawaii National Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hawaii National Bank's Texas Ratio?
Hawaii National Bank's Texas Ratio is 15.86% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Hawaii National Bank previously called?
The charter now named Hawaii National Bank has also operated as Hawaii National Bank, Honolulu (1970-1990), per FDIC structure-change records.
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