Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
45 North King Street, 7th Floor
Honolulu, HI 96817

Hawaii National Bank is headquartered in Honolulu and is the 6th largest bank in the state of Hawaii. It is also the 1,094th largest bank in the nation. It was established in 1960 and as of March of 2014, it had grown to 188 employees at 14 locations. Hawaii National Bank has a A health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hawaii National Bank had $1.09 million in non-current loans and owned real-estate with $59.19 million in equity and loan loss allowances on hand to cover it. This gives Hawaii National Bank a Texas Ratio of 1.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hawaii National Bank decreased dramatically from 3.52% as of March 31, 2013 to 1.83% as of March 31, 2014, resulting in a positive change of 47.93%.This indicates that the balance sheet and financial strength for Hawaii National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Hawaii National Bank has decreased its total deposits by -$3.64 million, resulting in -0.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hawaii National Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hawaii National Bank has $620.05 million in assets with $59.19 million in equity, resulting in a capitalization level of 9.55%, which is above average.

Institution Statistics

FDIC Certificate #18296
Year Established1960
Primary RegulatorOCC
Assets and Liabilities
Assets$620.05 million
Loans$342.70 million
Deposits$562.53 million
Equity Capital$54.34 million
Loan Loss Allowance$4.86 million
Unbacked Noncurrent Loans$781,000
Real Estate Owned$305,000
Historic Data - March 2013
Assets$621.23 million
Equity Capital$52.81 million
Loan Loss Allowance$4.69 million
Unbacked Noncurrent Loans$781,000
Real Estate Owned$305,000
Profit Margin - Quarterly
Net Interest Margin3.31%
Return on Assets-0.03%
Return on Equity-0.4%
Interest Income$4.81 million

Sorry, we do not have rate data for Hawaii National Bank


Hawaii National Bank has 14 locations. Click to view all Hawaii National Bank locations.