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

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

American Savings Bank, National Association has 2 strengths 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 24.1% in tier
+ Efficiency Ratio 0.77% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 33.3% in tier
- ROA 0.10% below tier average
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Total Assets ?	$9.0B -1.3% YoY +0.7% QoQ	+$6.2B	$2.8B -0.1% YoY	$11.0B +0.8% YoY	$6.2B +9.1% YoY	Top 2.0% in tier
Total Loans ?	$6.1B +1.3% YoY +1.0% QoQ	+$4.1B	$2.0B +0.6% YoY	$6.8B +0.6% YoY	$3.2B +10.8% YoY	Top 3.4% in tier
Total Deposits ?	$8.2B -0.0% YoY +0.7% QoQ	+$5.9B	$2.3B -0.3% YoY	$9.7B +1.0% YoY	$4.8B +8.2% YoY	Top 0.6% in tier
Return on Assets ?	1.27% +133.5% YoY +478.1% QoQ	-0.10%	1.37% +19.6% YoY	0.82% +980.4% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.62% +13.9% YoY +4.7% QoQ	-0.19%	3.82% +6.9% YoY	3.32% +7.2% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	60.29% -6.0% YoY -15.7% QoQ	-0.77%	61.06% -4.6% YoY	74.12% +1.2% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.20% -10.8% YoY -58.5% QoQ	-0.69%	0.89% +14.1% YoY	0.59% +108.2% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	73.92% +1.4% YoY +0.3% QoQ	-10.28%	84.20% +0.3% YoY	73.30% -1.2% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	31.09% -0.3% YoY +0.1% QoQ	+9.80%	21.29% -2.5% YoY	21.11% -1.6% YoY	22.01% -1.2% YoY	Top 13.7% in tier
Nonperforming Asset Ratio ?	0.13% -8.4% YoY -58.3% QoQ	-0.54%	0.67% +15.6% YoY	0.39% +100.1% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	13.49% +9.4% YoY +0.2% QoQ	-1.67%	15.16% +2.0% YoY	14.39% +2.7% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.22% +19.8% YoY -67.7% QoQ	-0.04%	0.26% +1.6% YoY	0.12% -0.6% YoY	0.32% +4.1% YoY	76%

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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

#54 of 220 • Top 24.1% in tier

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

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Flatlined Growth

risk

#51 of 150 • Bottom 33.3% 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: 1.27%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Total Deposits

size

Value: $8.24B

Peer Median: $2.34B

#6 of 884 Top 0.6% in $1B-$10B

Total Assets

size

Value: $9.04B

Peer Median: $2.82B

#19 of 884 Top 2.0% in $1B-$10B

Total Loans

size

Value: $6.09B

Peer Median: $1.96B

#31 of 884 Top 3.4% in $1B-$10B

122

Non-Interest-Bearing Deposit Share

funding

Value: 31.09%

Peer Median: 21.29%

#122 of 884 Top 13.7% in $1B-$10B

170

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#170 of 884 Top 19.1% in $1B-$10B

185

Delinquency Rate

credit_quality

Value: 0.20%

Peer Median: 0.89%

#185 of 880 Top 20.9% in $1B-$10B

199

Loan-to-Deposit Ratio

liquidity

Value: 73.92%

Peer Median: 84.20%

#199 of 884 Top 22.4% in $1B-$10B

213

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.26%

#213 of 884 Top 24.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available