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Hawaii National Bank

$100M-$1B Specialty: Commercial HI FDIC cert 18296

Designations: ✓ Minority Depository Institution

Honolulu, HI

10 branches across HI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 2 in HI.
  • Deposits +0.4% year over year ($772.3M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.86%.
  • Efficiency ratio 73.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 2 in HI
View $100M-$1B leaderboard (HI) →

Hawaii National Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 6.7% in tier
  • + Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.6% in tier
  • - Credit Risk Growth: Bottom 12.0% in tier
  • - Flatlined Growth: Bottom 35.3% in tier
  • - Non-Interest-Bearing Deposit Share 13.74% below tier average
  • - ROA 0.47% below tier average
  • - Efficiency Ratio 8.85% above tier average
Get updates when Hawaii National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Total Assets ? $871.7M
+1.0% YoY -1.3% QoQ
+$485.1M $386.6M
+1.2% YoY
$10.9B
+0.4% YoY
$6.3B
+7.7% YoY
Top 4.8% in tier
Total Loans ? $516.7M
+4.7% YoY -0.4% QoQ
+$258.3M $258.3M
+1.7% YoY
$6.8B
+1.6% YoY
$3.2B
+9.4% YoY
Top 10.1% in tier
Total Deposits ? $772.3M
+0.4% YoY -1.6% QoQ
+$445.5M $326.7M
+0.7% YoY
$9.6B
+0.5% YoY
$4.9B
+7.3% YoY
Top 3.4% in tier
Return on Assets ? 0.86%
+9.4% YoY +7.4% QoQ
-0.47% 1.32%
+10.8% YoY
1.03%
+121.0% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 4.10%
+3.6% YoY +2.3% QoQ
+0.11% 3.99%
+5.0% YoY
3.36%
+6.6% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 73.33%
+0.9% YoY -0.2% QoQ
+8.85% 64.48%
-3.2% YoY
63.53%
-3.9% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.05%
+148.1% YoY -89.9% QoQ
-0.87% 0.92%
+15.7% YoY
0.55%
+72.3% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 66.90%
+4.3% YoY +1.2% QoQ
-11.05% 77.95%
+1.0% YoY
74.20%
+0.4% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 8.29%
-7.1% YoY -0.8% QoQ
-13.74% 22.03%
-0.6% YoY
21.23%
-2.5% YoY
21.98%
-0.6% YoY
Bottom 7.6% in tier
Nonperforming Asset Ratio ? 0.03%
+157.2% YoY -89.8% QoQ
-0.64% 0.67%
+16.4% YoY
0.36%
+68.4% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 17.74%
-0.9% YoY +4.4% QoQ
+1.83% 15.91%
+1.4% YoY
14.58%
+2.1% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.15%
-17.0% YoY +97.7% QoQ
-0.42% 0.57%
+7.6% YoY
0.38%
+17.1% YoY
0.66%
+5.2% YoY
33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Noninterest-Bearing 8.3%
-0.6pp YoY
-0.1pp QoQ
 -13.9pp 22.1% 21.2% 22.2% 7%
Brokered Deposits n/a n/a 7.9% n/a 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
C&I 22.8%
-2.5pp YoY
+0.3pp QoQ
 +11.2pp 11.6% 12.4% 12.5% 91%
CRE 39.7%
+2.2pp YoY
-0.1pp QoQ
 +0.2pp 39.5% 36.3% 41.4% 53%
1-4 Family 37.1%
-0.2pp YoY
-0.3pp QoQ
 +4.5pp 32.6% 46.8% 31.3% 66%
Consumer 0.5%
+0.1pp YoY
+0.1pp QoQ
 -3.6pp 4.1% 4.1% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
CET1 Ratio 17.7%
-0.2pp YoY
+0.8pp QoQ
 -1.1pp 18.8% 14.6% 19.7% 68%
Leverage Ratio 11.0%
+0.5pp YoY
+0.4pp QoQ
 -1.2pp 12.2% 9.9% 12.6% 51%
Total Capital Ratio 19.0%
-0.2pp YoY
+0.8pp QoQ
 -0.9pp 19.9% 15.8% 20.8% 69%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Full-Time Employees 148
-1 (-0.7%) YoY
-1 (-0.7%) QoQ
 +89 58 981 482 97%
Assets per Employee ($) $5.9M
+1.7% YoY
-0.7% QoQ
 -$1.6M $7.5M $9.3M $8.8M 31%
Branch Count 10
0 YoY
0 QoQ
 +5 4 29 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.5% 1.0% 11%
Allowance Coverage 32.11x
-59.0% YoY
+867.3% QoQ
 +7.96x 24.15x 8.64x 20.23x 92%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
 0.0pp 0.1% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
ROE 8.1%
+0.2pp YoY
+0.5pp QoQ
 -4.1pp 12.2% 11.4% 11.6% 26%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.3% 1.7% 15%
Net Income ($, YTD) $3.8M
+12.3% YoY
— QoQ
 +$1.2M $2.6M $63.2M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#45 of 659 • Top 6.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (3)

Credit Quality Pressure

risk
#84 of 1256 • Bottom 6.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#113 of 936 • Bottom 12.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#188 of 529 • Bottom 35.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.86%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

91
Total Deposits
size
Value: $772.27M
Peer Median: $326.73M
#91 of 2643 Top 3.4% in $100M-$1B
129
Total Assets
size
Value: $871.70M
Peer Median: $386.57M
#129 of 2643 Top 4.8% in $100M-$1B
267
Total Loans
size
Value: $516.65M
Peer Median: $258.35M
#267 of 2643 Top 10.1% in $100M-$1B
465
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#465 of 2643 Top 17.6% in $100M-$1B
525
Tier 1 Capital Ratio
capital
Value: 17.74%
Peer Median: 15.91%
#525 of 2643 Top 19.8% in $100M-$1B
531
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#531 of 2633 Top 20.1% in $100M-$1B

Top Weaknesses (2 metrics)

2444
Non-Interest-Bearing Deposit Share
funding
Value: 8.29%
Peer Median: 22.03%
#2444 of 2643 Bottom 7.6% in $100M-$1B
2035
Efficiency Ratio
profitability
Value: 73.33%
Peer Median: 64.48%
#2035 of 2643 Bottom 23.0% in $100M-$1B
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