BlastPoint's Banking Scorecard
Hawaii National Bank
Community
Specialty: Commercial
HI
FDIC cert 18296
Honolulu, HI
1484
banks in Community tier nationally
2 in HI
View Community leaderboard (HI) →
Hawaii National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 49% in Community
- - Non-Interest-Bearing Deposit Share 12.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$893.3M
+4.1% YoY
+2.5% QoQ
|
-$498.2M |
$1.4B
+2.0% YoY
|
$11.0B
+0.5% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$521.6M
+8.7% YoY
+1.2% QoQ
|
-$453.9M |
$975.5M
+2.4% YoY
|
$6.7B
-0.4% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$795.3M
+3.2% YoY
+2.7% QoQ
|
-$369.3M |
$1.2B
+1.7% YoY
|
$9.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.69%
-24.7% YoY
-8.2% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
0.68%
+6.9% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
4.01%
-3.4% YoY
+1.0% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.23%
+8.7% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
75.11%
+18.8% YoY
+1.8% QoQ
|
+12.48% |
62.63%
-5.3% YoY
|
66.73%
-1.3% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.22%
+981.5% YoY
|
-0.41% |
0.63%
+18.3% YoY
|
0.49%
+42.7% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
65.59%
+5.3% YoY
-1.5% QoQ
|
-17.47% |
83.06%
+0.3% YoY
|
73.59%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.36%
+0.9% YoY
+8.4% QoQ
|
-12.68% |
21.05%
-0.9% YoY
|
21.28%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? | 0.13% | -0.37% |
0.50%
+20.3% YoY
|
0.33%
+39.5% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
17.03%
-3.9% YoY
-1.2% QoQ
|
+6.78% |
10.24%
-0.6% YoY
|
14.29%
+0.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.31%
-71.7% YoY
+24.6% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.69%
-15.7% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#315 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.36%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Tier 1 Capital Ratio
Current: 17.03% · Tier avg: 10.24%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.59% · Tier avg: 83.06%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
46
46th pctile
Total Deposits
Current: $795.3M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $893.3M · Tier avg: $1.4B
34
34th pctile
Total Loans
Current: $521.6M · Tier avg: $975.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 75.11% · Tier avg: 62.63%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.36% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.36% · Tier avg: 21.05%
17
17th pctile
Efficiency Ratio
Current: 75.11% · Tier avg: 62.63%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
34
34th pctile
Total Loans
Current: $521.6M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $893.3M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $795.3M · Tier avg: $1.2B
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.59% · Tier avg: 83.06%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.03% · Tier avg: 10.24%