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Overview / Commentary
808-946-1400
1000 Bishop Street
Honolulu, HI 96813

Territorial Savings Bank has been providing friendly (Island Style) personal service to individuals and businesses in Hawaii since 1921. They're an equal opportunity employer with 250 full-time employees, 24 convenient offices and approximately $1.2 billion in total assets. They offer a full line of banking products.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Territorial Savings Bank had $5.12 million in non-current loans and owned real-estate with $202.38 million in equity and loan loss allowances on hand to cover it. This gives Territorial Savings Bank a Texas Ratio of 2.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Territorial Savings Bank experienced no significant changes from 2.45% as of March 31, 2013 to 2.53% as of March 31, 2014, resulting in a negative change of 3.26%. This indicates that the balance sheet and financial strength for Territorial Savings Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Territorial Savings Bank has increased its total deposits by $79.54 million, resulting in 6.34% 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 Territorial Savings Bank has shown is excellent.

Capitalization

GRADE:
A+

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. Territorial Savings Bank has $1.64 billion in assets with $202.38 million in equity, resulting in a capitalization level of 12.34%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #30836
Year Established1921
Employees274
Primary RegulatorOCC
Assets and Liabilities
Assets$1.64 billion
Loans$873.67 million
Deposits$1.33 billion
Equity Capital$200.89 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$5.12 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.57 billion
Equity Capital$207.71 million
Loan Loss Allowance$1.67 million
Unbacked Noncurrent Loans$5.12 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.88%
Return on Equity7.23%
Interest Income$14.67 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Territorial Savings Bank, we are a rate comparison website and can not provide official rates or promotions.

Territorial Savings Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Passbook Savings
0.25%--Statement Savings

Territorial Savings Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$1k-Money Market Deposit Account

Territorial Savings Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-Money Market Checking
0.02%--Hawaii's Best Checking
0.02%--Teen/Student Checking

Territorial Savings Bank CD Rates

DetailsAPYMINMAXPRODUCT
2.00%$1k-60 Month Standard CD
1.50%$1k-48 Month Standard CD
1.00%$1k-36 Month Standard CD
0.40%$1k-24 Month Standard CD
0.25%$1k-12 Month Standard CD
0.20%$1k-9 - 11 Month Standard CD
0.15%$1k-6 - 8 Month Standard CD
0.10%$1k-3 - 5 Month Standard CD

Territorial Savings Bank IRA Rates

DetailsAPYMINMAXPRODUCT
2.00%$1k-60 Month Standard IRA
1.50%$1k-48 Month Standard IRA
1.00%$1k-36 Month Standard IRA
0.40%$1k-24 Month Standard IRA
0.25%$1k-12 Month Standard IRA
0.20%$1k-9 - 11 Month Standard IRA
0.15%$1k-6 - 8 Month Standard IRA
0.10%$1k-3 - 5 Month Standard IRA
Locations

Territorial Savings Bank has 28 locations. Click to view all Territorial Savings Bank locations.