BlastPoint's Banking Scorecard

American Savings Bank, National Association

$1B-$10B Specialty: Commercial HI FDIC cert 32526

Designations: ✓ Community bank

Honolulu, HI

35 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 885 banks in the $1B-$10B peer group nationwide — 1 of 2 in HI.
Deposits +2.3% year over year ($8.2B on the books).
Delinquency rate 0.19%.
Return on assets 1.24%.
Efficiency ratio 61.00% vs a 59.73% peer average.
Loan-to-deposit ratio 75.06% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 2 in HI

View $1B-$10B leaderboard (HI) →

American Savings Bank, National Association has 1 strength but faces 3 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 28.5% in tier

Key Concerns

Areas that may need attention

- ROA 0.16% below tier average
- Net Interest Margin 0.22% below tier average
- Efficiency Ratio 1.27% above tier average

Get updates when American Savings Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Total Assets ?	$9.0B +2.7% YoY +0.1% QoQ	+$6.3B	$2.8B -0.6% YoY	$10.9B +0.4% YoY	$6.3B +7.7% YoY	Top 2.1% in tier
Total Loans ?	$6.2B +2.5% YoY +1.5% QoQ	+$4.2B	$2.0B -0.3% YoY	$6.8B +1.6% YoY	$3.2B +9.4% YoY	Top 3.2% in tier
Total Deposits ?	$8.2B +2.3% YoY -0.0% QoQ	+$5.9B	$2.3B -0.5% YoY	$9.6B +0.5% YoY	$4.9B +7.3% YoY	Top 0.7% in tier
Return on Assets ?	1.24% +191.3% YoY -2.6% QoQ	-0.16%	1.39% +17.0% YoY	1.03% +121.0% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	3.65% +9.5% YoY +0.6% QoQ	-0.22%	3.87% +6.2% YoY	3.36% +6.6% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	61.00% -1.5% YoY +1.2% QoQ	+1.27%	59.73% -12.6% YoY	63.53% -3.9% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.19% -18.1% YoY -2.6% QoQ	-0.67%	0.87% +11.7% YoY	0.55% +72.3% YoY	0.98% +16.3% YoY	79%
Loan-to-Deposit Ratio ?	75.06% +0.2% YoY +1.5% QoQ	-9.97%	85.04% -0.1% YoY	74.20% +0.4% YoY	79.03% +2.3% YoY	76%
Non-Interest-Bearing Deposit Share ?	31.18% -0.7% YoY +0.3% QoQ	+9.91%	21.27% -1.5% YoY	21.23% -2.5% YoY	21.98% -0.6% YoY	Top 13.2% in tier
Nonperforming Asset Ratio ?	0.13% -18.2% YoY -1.2% QoQ	-0.54%	0.67% +11.7% YoY	0.36% +68.4% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	13.49% +5.5% YoY +0.0% QoQ	-1.35%	14.84% -0.4% YoY	14.58% +2.1% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.49% +16.9% YoY +118.4% QoQ	-0.04%	0.53% +2.5% YoY	0.38% +17.1% YoY	0.66% +5.2% YoY	79%

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	31.2% -0.2pp YoY +0.1pp QoQ	+9.8pp	21.4%	21.2%	22.2%	87%
Brokered Deposits	n/a	n/a	9.5%	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	9.6% -0.6pp YoY +0.4pp QoQ	-4.4pp	14.0%	12.4%	12.5%	42%
CRE	29.2% +1.4pp YoY +0.1pp QoQ	-20.9pp	50.0%	36.3%	41.4%	11%
1-4 Family	59.4% +0.2pp YoY -0.6pp QoQ	+32.9pp	26.4%	46.8%	31.3%	94%
Consumer	1.9% -1.8pp YoY +0.1pp QoQ	-2.8pp	4.7%	4.1%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
CET1 Ratio	13.5% +0.7pp YoY 0.0pp QoQ	-2.1pp	15.6%	14.6%	19.7%	50%
Leverage Ratio	9.1% +0.5pp YoY +0.1pp QoQ	-2.2pp	11.3%	9.9%	12.6%	14%
Total Capital Ratio	14.6% +0.6pp YoY 0.0pp QoQ	-2.1pp	16.7%	15.8%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Full-Time Employees	991 +20 (+2.1%) YoY +22 (+2.3%) QoQ	+677	313	981	482	98%
Assets per Employee ($)	$9.1M +0.6% YoY -2.2% QoQ	-$1.4M	$10.5M	$9.3M	$8.8M	56%
Branch Count	35 -1 (-2.8%) YoY 0 QoQ	+15	20	29	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.1%	0.4%	66%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.5%	1.0%	14%
Allowance Coverage	5.16x +11.8% YoY +6.8% QoQ	-13.55x	18.71x	8.64x	20.23x	78%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
ROE	16.4% +37.5pp YoY -0.5pp QoQ	+3.8pp	12.6%	11.4%	11.6%	80%
Cost of Funds (YTD)	0.7% -0.3pp YoY 0.0pp QoQ	-1.2pp	1.9%	1.3%	1.7%	2%
Net Income ($, YTD)	$55.7M +190.6% YoY — QoQ	+$36.5M	$19.2M	$63.2M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#64 of 221 • Top 28.5% in tier

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

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

Total Deposits

size

Value: $8.24B

Peer Median: $2.32B

#7 of 885 Top 0.7% in $1B-$10B

Total Assets

size

Value: $9.05B

Peer Median: $2.79B

#20 of 885 Top 2.1% in $1B-$10B

Total Loans

size

Value: $6.18B

Peer Median: $1.96B

#29 of 885 Top 3.2% in $1B-$10B

118

Non-Interest-Bearing Deposit Share

funding

Value: 31.18%

Peer Median: 21.27%

#118 of 885 Top 13.2% in $1B-$10B

168

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#168 of 885 Top 18.9% in $1B-$10B

186

Non-Interest Income / Assets

revenue_mix

Value: 0.49%

Peer Median: 0.53%

#186 of 885 Top 20.9% in $1B-$10B

187

Delinquency Rate

credit_quality

Value: 0.19%

Peer Median: 0.87%

#187 of 882 Top 21.1% in $1B-$10B

209

Loan-to-Deposit Ratio

liquidity

Value: 75.06%

Peer Median: 85.04%

#209 of 885 Top 23.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available