# TERRITORIAL SAVINGS BANK
HONOLULU, HI · FDIC certificate 30836 · asset band $1-10B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $2.11B | |
| Deposits | $1.68B | |
| Loans and leases | $1.28B | |
| Total equity | $228.6M | |
| Loans / deposits | 75.44% (p27 of band) | 85.96% |
| Liquid assets / assets | 34.82% (p83 of band) | |
| Uninsured deposits / deposits | 29.73% (p49 of band) | 29.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.58% (p53 of band) | |
| FHLB advances / assets | 7.58% | |
| Tier 1 leverage | 10.67% (p59 of band) | 10.21% |
| Unrealized securities loss / equity | -53.72% (p5 of band) | -11.76% |
| AOCI / equity | 1.29% (p59 of band) | |
| ROA (annualized) | -1.42% (p1 of band) | 1.01% |
| Net interest margin | 1.48% (p2 of band) | 3.38% |
| Efficiency ratio | 249.60% (p100 of band) | |
| Noncurrent loans | 0.15% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 264.52% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 1.68% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 233 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | capital falling, reserve under noncurrent |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | securities losses >30% of equity |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent, capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 1 |  | reserve under noncurrent |
| 2022-12 | 2 | reserve under noncurrent |  |
| 2023-03 | 3 | capital falling, NIM <2.5% | reserve under noncurrent |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 4 | expense ratio p90, deposits shrinking |  |
| 2024-03 | 4 | losing money | deposits shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |

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

- 2026-04-03 [Territorial Savings parent to acquire SMBC Manubank's commercial unit in L.A. - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOUUtKZGpqcEVLajdfQUh0eWt3NFdmWUdjTExnVTFEZmlTMjZYYS1ucTV6NWhYc3RIc0JpRXVoeWN0Y3RvVmNSRGpfSW1hWXRzcXFuQUxuYnIxLTZYb2xxYTRQb0JKNk9ZeW84SFVRd3BxN0U3dVhJN0JHMjhOSWd2eEMtelVja2ZZaFZiRXgzcDNET0hobVBmb0o5ZTdaeGsxb0FUN1dtRDlCLUE?oc=5) · The Business Journals
- 2026-07-01 [Suspect in 2 Makiki bank robberies appears in court - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMV9vXzNOTkFJcXdzUGZtUGszd0EwM3JYeWlLMmNjOGZxdlNHbDk0dm4zbkxKVXg0RTdiMmd3MUtMSE9seXRmVzhMSjl6WFdMNExDOGZSeE5PcGNEMmJEamltYU1RMkhtUXZ6ejl6eS1tS2U2c1V1MlYxNXdoRWV6b0RXRjBRUmkwNUJHcTc2ZnLSAaQBQVVfeXFMTXNGYldUT0x4S2llUkNlNTlWWVVjbmxtZUVYRjlsOXlmYVV4SzRKWjJLM21FTVltMmF6U19vNm5zZlNpYTRmam1MNWlGaE5aaXBJOHFtLVJMTnhxOW8tMkNCMWRtZFVEWXNXd2FpdWYyX05WWlU3MjJnbENQSF8yc3dCUC1vTWFhbW1sNzkyZms4WFdUMkhRVExEeEthZGstbU1oRzQ?oc=5) · hawaiinewsnow.com
- 2025-03-04 [LA-based Hope gets regulatory nod to merge with Territorial - Banking Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxNZkl3eU5KVV9HYWVWRktGR3c0akpxWjRUMEdQTGp5SmJCZE1zUHBFdzF6M3NjNmx4cTcyMWV4UVFNQnNqclZjYWZIeEp6RFdjUVdxVVk1aUsxcnJmanV5cWlYUTdnU19GU2lEOE1SWHViR0VPZUJVM0pVZ1F2RmxHcnliT09FOVo3UldndzZnOHZPRzFsZXNEUFVPc3haZmVaR085N1ZyOVFoSklzU2J4TzRXN3VZUU0?oc=5) · Banking Dive
- 2024-09-27 [Honolulu Bank Proxy War Heats Up On Bishop Street - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMihwFBVV95cUxORVNCNlJaMHB4NUxmeW5HOUpTMy1WYUVhT1dSTDZpdVZ1Y0o0eHl0R2M1ZGNteWN1Mk5RZ1N4Z1FxNmpTbUl0N1RNRUtkSUFZUG9SekFYaGFlUmJNZzRrVHctcTY0MFVic3ZoMkFNdldGT2pGNXlMeDdzMFJLbHBrYmpGRVpKYzA?oc=5) · Honolulu Civil Beat
- 2018-07-26 [Territorial Savings Bank invests in Hawaii's future physicians - University of Hawaiʻi at Mānoa](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9hN29HVlcxN3lDYnREN1JhZ1F3Y3RqdEFJZXdSVm05Q3R2cl9uMGp1b2Rvbk1qU1o1UERsR2ltWFByOWxZNW44ZXFNUEZwY1hmNTczM2s5aWpYX0hsSF9j?oc=5) · University of Hawaiʻi at Mānoa
- 2025-04-07 [Territorial Savings finalizes merger with L.A.-based bank - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMisAFBVV95cUxQOHpGNDlOX0JWcFlGYWRYbHFBRFp1SjZKRnAxc09pS3Zoc3ozYkpmYUdjZm1kekQ1dmNyUnJGMUItUzJweVByZDgzY3VsYmVRXzgyZWdZT2d0TGZpLWVxeDhTekVuV3k3aHBuRlBiRTdVVklvOFd4YV92T3lVaGFDaEZwVkllOUdTQ3dUbG0tZUx2ZUNVWEVZTXhacHpwMUZtWkVLWEVtaGM1WlBWMExDaA?oc=5) · Honolulu Star-Advertiser
- 2025-04-03 [Hope Bancorp completes merger with Territorial - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxPM3hjTmJQaWVYYWdRSDhHbkdUaW0zVklRdGJ3WGZ0cmVFWVBBY2V6MUR4V1NqV3VXR0ZYN1h5SERXSXV6NUpCWWNEbnlnNkxZTWFEbl9fSlQ2QVJOVm5SRzZKNXpIcEJRMWpTcjhhY3V0ZFRtVU91UGpEVVBfSS1YYUJQSVhIOHRWek8xTTVKakVQaDFsbEpGbmpBNEdxSi1O?oc=5) · Banking Dive
- 2025-04-02 [Acquisition of Territorial Savings Bank by Hope Bancorp closes - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSG1iT0xyQTBpRlRkRDBqcWZDREdXLW1OcXlNd1NnNTdKdi13emZRSklFZ2xxbUJEd0xiT0Ftc3dGV1d2U0J6Y2JwTEM4TERkVkxyQWlpemZZNmpQLUJoY0M2UHU3aGdpN3dFRkkyOGZfcEo1WXF6cm9ueUlCeEI0Q1dEbzhxZkkzei02OF92NlJIblVpRVA1QVp4Sy1tazgwQ3c?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30836 (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/52.json (key "30836", 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