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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Hawaii, the state note

American Savings Bank N.A.

Honolulu, Hawaii · $9.05B in assets · beside the 11 other the Pacific states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

7.7%
Equity / assets
10th of 11
5.2x
Coverage of noncurrent
2nd of 9
75.8%
Loans / deposits
3rd of 12

American Savings Bank N.A. is the third largest of the 12 the Pacific states banks nearest its size between $3B and $10B, with $9.05B in assets at 30 June 2026. Loans are 75.8% of deposits, 3rd of 12 against a median of 83.7%, and equity is 7.7% of assets, 10th of 11. Loans grew +2.4% in the year, 9th of 11, and deposits grew 2.3%; the cohort's median loan growth is +5.1%.

Noncurrent loans are 0.19% of the book, 4th of 11 against a median of 0.30%; 0.53% is 30 to 89 days past due, and the allowance covers them 5.2 times. Commercial real estate is 25.3% of loans, 3rd of 11 against a median of 45.9%, and 177% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 1.23%, 6th of 11 against a median of 1.23%, on an efficiency ratio of 61.0%, 9th of 11. Five years ago it was 1.36%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsPacific states banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 9.4% TC Tri Counties Bank 13.9% HB Heritage Bank 13.3% SM SMBC Manubank 11.5% HB Hanmi Bank 11.2% PB Preferred Bank 10.3% RC River City Bank 9.4% PB Poppy Bank 8.9% CP Central Pacific Bank 8.5% FB Fremont Bank 7.8% AS American Savings Bank N.A. 7.7% FA First American Trust FSB 5.6%
Loans, year over yearPacific states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.1% MT Mizrahi Tefahot Bank LTD +56.9% HB Heritage Bank +20.4% PB Poppy Bank +10.8% PB Preferred Bank +9.3% RC River City Bank +7.3% TC Tri Counties Bank +5.1% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% AS American Savings Bank N.A. +2.4% CP Central Pacific Bank +0.4% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

American Savings Bank N.A. is the 5th largest 7(a) lender into Hawaii of 119, with $39M across 637 loans, 6.1% of everything approved in the state (Central Pacific Bank leads with $91M). 6 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Hawaii, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Honolulu, HI$31M4th of 897.8%quiet FY2019
Maui, HI$4M7th of 454.7%quiet FY2020
Kauai, HI$2M7th of 324.6%quiet FY2019
Hawaii, HI$1M22nd of 481.3%quiet FY2018
Salt Lake, UT$50K163rd of 1640.0%quiet FY2015
Los Angeles, CA$30K307th of 3080.0%quiet FY2015
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing50$6M15.9%0.02%607th of 2,246
Construction90$5M13.1%0.02%560th of 2,063
Health care & social assistance63$5M12.8%0.01%555th of 2,172
Retail trade88$4M11.3%0.01%781st of 2,589
Accommodation & food services63$4M9.6%0.00%943rd of 2,596
7(a) lenders into Hawaii, share of approvals since FY2008119 lenders on record; the ten largest and American Savings Bank N.A.
CP Central Pacific Bank 14.4% $91M · 1,709 loans FH First Hawaiian Bank 9.7% $62M · 482 loans Bo Bank of Hawaii 8.8% $56M · 521 loans LO Live Oak Banking Company 6.9% $44M · 37 loans AS American Savings Bank, National A… 6.1% $39M · 637 loans NB Newtek Bank, National Association 4.2% $26M · 51 loans CB Celtic Bank Corporation 3.9% $25M · 52 loans HN Hawaii National Bank 3.2% $20M · 91 loans CB Commonwealth Business Bank 2.8% $18M · 43 loans NS Newtek Small Business Finance, In… 2.1% $13M · 23 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
American Savings Bank N.A.RankCohort median
Total CRE against capital, the 300% screen177%3rd of 11295%
Construction against capital, the 100% screen24%6th of 1124%
Construction and land development, share of loans3.5%5th of 114.0%
Non-owner-occupied nonfarm nonresidential, share of loans18.5%3rd of 1028.0%
Total CRE, the guidance definition, share of loans25.3%3rd of 1145.9%
CRE growth over 36 months, the third prong+19.9%6th of 11+19.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Tri Counties Bank$9.93B1.4%54.8%0.94%0.03%1.8%87.3%13.9%
First American Trust FSB$9.23B1.4%32.8%no recordno recordno record0.0%5.6%
American Savings Bank N.A.$9.05B1.2%61.0%0.19%0.01%1.0%75.8%7.7%
Heritage Bank$8.42B1.0%70.6%0.27%0.03%1.0%81.6%13.3%
Poppy Bank$8.32B1.3%43.2%1.89%0.38%1.4%92.8%8.9%
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Central Pacific Bank$7.50B1.2%57.3%0.30%0.19%1.1%79.2%8.5%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American Savings Bank N.A.Cohort median
20212026Change20212026Change
Loans$5.24B$6.24B+19%$3.93B$5.53B+41%
Deposits$7.92B$8.24B+4%$5.32B$6.59B+24%
NPA / loans1.02%0.19%-0.83 pts0.66%0.30%-0.36 pts
Efficiency63.1%61.0%-2.1 pts51.3%51.1%-0.2 pts
ROA1.36%1.23%-0.12 pts1.38%1.23%-0.15 pts

This read was prepared for American Savings Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American Savings Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Pacific states banks $3B to $10B
Institution www.asbhawaii.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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