# HAWAII NATIONAL BANK
HONOLULU, HI · FDIC certificate 18296 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $871.7M | |
| Deposits | $772.3M | |
| Loans and leases | $524.3M | |
| Total equity | $94.2M | |
| Loans / deposits | 66.90% (p20 of band) | 82.04% |
| Liquid assets / assets | 36.49% (p77 of band) | |
| Uninsured deposits / deposits | 46.98% (p94 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.25% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.02% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -3.40% (p70 of band) | -8.10% |
| AOCI / equity | -2.31% (p6 of band) | |
| ROA (annualized) | 0.86% (p25 of band) | 1.28% |
| Net interest margin | 4.10% (p60 of band) | 3.91% |
| Efficiency ratio | 73.33% (p80 of band) | |
| Noncurrent loans | 0.05% (p17 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 3211.30% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 12.32% (p17 of band) | |
| Auto loans | $6,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $838,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 148 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | reserve under noncurrent |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | losing money |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 1 |  | losing money |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | losing money |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | deposits shrinking, assets shrinking |  |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 1 |  | deposits shrinking |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, losing money, NIM <2.5% |  |
| 2022-06 | 2 |  | capital falling, losing money |
| 2022-09 | 1 |  | NIM <2.5% |
| 2022-12 | 2 | deposits shrinking |  |
| 2023-03 | 2 | assets shrinking | expense ratio p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-06 [Hawaii National Bank to renovate its Chinatown branch - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNc1hSMWZfU0I5dzJQQlV3Z05zZDR0NmxzNWZrZHpWUXozQ3hrc2FOQUk5YVNCbUJjTjBJV2xQVnVhcVRwN1FiYjJpRVVRcDRRTEJSdkhzS1FGMFNWVWN0cWo4NUZlV0FCaXZEMTYzRExIZjJtVTRFRlMwMjFONXV6RzdvOF9BdUJfUjBMQ3dFakZGWE0wQzQ0Y0xIcWxwRS1ISEpwQjZ2YzZ6Zw?oc=5) · The Business Journals
- 2014-12-12 [12/12/14 – Unique History Of Modern Banking In Hawaii Traced Through Images In 2015 State Historic Preservation Calendar - Department of Land and Natural Resources (.gov)](https://news.google.com/rss/articles/CBMiXkFVX3lxTE51RzRuUnY3aTQtVEZzeGpJaHpael9FbkYyQWN5WGM5cEhQU3B6dFgzQ3VhblFBNmNiWlNmVEo4WHREbjlPYnpDbXJ0emNqQ3U0MHgtR25zREkwQ0dCYkE?oc=5) · Department of Land and Natural Resources (.gov)
- 2020-06-23 [Interview: Bryan Luke, President and CEO, Hawaii National Bank - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE9PMWF1eWNNRk1XcUVVMFdUZzhINVNyOW5TR0dBaW9ZQTNuQWhQTUxvLUFYMFI0NDFBX0k4MzJPTUZzT2V2UE5xNl9FNmI3akQ5Q1hud2lrbzl0b094d05hcEx2V0RvMUp4LURmN2hBYXNCU1BO?oc=5) · Hawaii Business Magazine
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Hawaii - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxQM1ZEakszY3JjVVExTWRjSk1URXRuSkQxRjdCWDJaY29JbnBWN2FjclhOVmd6bi00bDJpcmVhZTVvMHc5ajRYOXc1SVRrR2VyeHB1SUJLYXA3bTdWM3g4XzZHb3lFMEZ3ZG4wWkxSQkR0UlktNURDOEh5VnNpSnZUbUFRUEw3SzBXRl9pOA?oc=5) · Newsweek Rankings
- 2020-03-30 [Hawaii National Bank temporarily closing 4 of its 13 branches - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZWZ6bjZBbUE0dGl6X0U3b2k2NWx2WURFWWNqeDBEUmFYRWplRXp2a05ZVlc3d1owLWZ5ZTl5UkRfMGRjUVlrWDZGTWNObHFYT1VVNDFOT29EcV8yYkVfWlkwSFR5R01tTlNZQ0k2bWxQQ3VoSVgySWQyUnVicmpmTlBINU5OTzY4S1NzLVZ1dkJ6YzdiejlBLUplSnI?oc=5) · Honolulu Star-Advertiser
- 2024-10-13 [William Takabayashi Obituary (2024) - Honolulu, HI - hawaiiobituaries.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTTlIR3RyTVhHQkFCM3huLU50clJTbmJYX1NweW11NGczbDFfSmc3SVRSQ1B1aWl0cS10Z0pXdnZkMVJtX3VjVmh0Wm9QaDVCY21HTkpaY25heEZib1F4VXhwcWhlR21pZlZnSVE1cUQ3OEszbWxZZHQyQVVkZ0dyb29KT3kzd0dBMXdzX3dfOG5Iem9ZQWxQdVlBNC1uSTcwSTFZeTVTUWk?oc=5) · hawaiiobituaries.com
- 2023-01-03 [Territorial Discovery of the Decade - Numismatic News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaXZHbEo4aUJWSlg0ZkhiRTV1OGNNV2NCMVFPeEU0NDBoTC1nUEZtM0c1a3BaV1BXNTdBdG1VZ2JSME1xTmk1SlRHMkFtZGhIeDAtSXV5c3RuSHhqc2dkSncyaDl4bDVXR25Hb1FJSnlyMms5S093V1hiOENxZjRuWkRPZ2I?oc=5) · Numismatic News
- 2025-06-27 [Hawaii National Bank president discusses industry shifts and commitment to community banking - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQaUl3SEhidmR3MGF6Q0hfWFRCMWxKeFRKMzBRZTQ5QVVidkZRTGR3QWVWWk1ucTVaQXZpUjdwNlB6Q3pGakxLZ3AwZkVfYUI0QzFqRHpmeXNXUF9VTDFNTHgwWHB2ckZxdE1lTnpUbDQxSDcyaC11YTdieVhldzhNQzhUR3J3WGdoYmhTZVl6TUhXVE1welBYaWxEekwtWEp2ZGFFTTBB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18296 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "18296", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide