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

Hawaii National Bank

Honolulu, Hawaii · $872M in assets · beside the 11 other the Pacific states banks between $300M and $1B (the state alone holds too few in the band to rank)

The filing

0.86%
ROA
10th of 12
73.3%
Efficiency
10th of 12
67.9%
Loans / deposits
3rd of 12

Hawaii National Bank is the seventh largest of the 12 the Pacific states banks nearest its size between $300M and $1B, with $872M in assets at 30 June 2026. Loans are 67.9% of deposits, 3rd of 12 against a median of 88.0%, and equity is 10.8% of assets, 7th of 12. Loans grew +4.7% in the year, 7th of 12, and deposits grew 0.4%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 0.05% of the book, 4th of 12 against a median of 0.42%; 0.35% is 30 to 89 days past due, and the allowance covers them 32.1 times. Net charge-offs are 0.10% of loans, 10th of 12. Commercial real estate is 24.7% of loans, 3rd of 12 against a median of 33.1%, and 125% of capital, below the 300% screen, with construction at 11% against the 100% screen.

Return on assets is 0.86%, 10th of 12 against a median of 1.10%, on an efficiency ratio of 73.3%, 10th of 12. Five years ago it was 0.38%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsPacific states banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.10% Bo Bank of Eastern Oregon 1.94% AP American Plus Bank N A 1.81% MP Mountain Pacific Bank 1.44% OP Oregon Pacific Bank dba Or Pac 1.35% FB First Bank 1.22% FC First Commercial Bank USA 1.12% SB Seattle Bank 1.08% EB Endeavor Bank 1.04% Bo Bank of San Francisco 0.92% HN Hawaii National Bank 0.86% PB Pinnacle Bank 0.60% CB Citizens Bank 0.18%
Loans, year over yearPacific states banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.0% Bo Bank of San Francisco +26.3% Bo Bank of Eastern Oregon +9.4% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MP Mountain Pacific Bank +5.7% CB Citizens Bank +5.2% HN Hawaii National Bank +4.7% AP American Plus Bank N A +4.7% FB First Bank +3.5% OP Oregon Pacific Bank dba Or Pac +3.0% PB Pinnacle Bank +1.9% SB Seattle Bank -17.4%

SBA 7(a), FY2008 to FY2026

Hawaii National Bank is the 8th largest 7(a) lender into Hawaii of 119, with $20M across 91 loans, 3.2% of everything approved in the state (Central Pacific Bank leads with $91M). Every market on its book has had an approval since FY2023.

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$15M8th of 893.8%+1.1 pts
Maui, HI$3M8th of 453.6%thin
Hawaii, HI$2M17th of 481.7%thin
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
Construction22$4M19.8%0.01%656th of 2,063
Transportation & warehousing7$4M18.9%0.03%377th of 1,563
Accommodation & food services21$4M17.9%0.00%960th of 2,596
Wholesale trade9$3M13.0%0.01%621st of 1,651
Retail trade13$3M12.4%0.00%1051st of 2,589
7(a) lenders into Hawaii, share of approvals since FY2008119 lenders on record; the ten largest and Hawaii National Bank
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; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Hawaii National BankRankCohort median
Total CRE against capital, the 300% screen125%4th of 12178%
Construction against capital, the 100% screen11%3rd of 1222%
Construction and land development, share of loans2.2%3rd of 124.4%
Non-owner-occupied nonfarm nonresidential, share of loans19.8%6th of 1221.9%
Total CRE, the guidance definition, share of loans24.7%3rd of 1233.1%
CRE growth over 36 months, the third prong+7.4%2nd of 12+21.2%

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
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of Eastern Oregon$934M1.9%57.8%1.22%0.01%1.0%84.0%11.4%
Mountain Pacific Bank$896M1.4%55.7%0.67%0.00%1.9%104.9%11.5%
Seattle Bank$891M1.1%60.0%2.81%0.76%2.0%93.8%10.5%
First Bank$890M1.2%70.1%0.03%-0.02%2.1%30.1%8.0%
Hawaii National Bank$872M0.9%73.3%0.05%0.10%1.5%67.9%10.8%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Oregon Pacific Bank dba Or Pac$825M1.3%64.3%0.39%0.07%1.3%84.2%10.6%
Citizens Bank$823M0.2%89.8%0.04%0.00%1.7%55.5%10.6%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hawaii National BankCohort median
20212026Change20212026Change
Loans$498M$524M+5%$483M$674M+40%
Deposits$811M$772M-5%$587M$744M+27%
NPA / loans0.00%0.05%+0.05 pts0.33%0.42%+0.09 pts
Efficiency86.0%73.3%-12.7 pts62.7%62.3%-0.4 pts
ROA0.38%0.86%+0.48 pts1.05%1.10%+0.05 pts

This read was prepared for Hawaii National Bank'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 Hawaii National Bank 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 $300M to $1B
Institution www.hawaiinational.bank

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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