BlastPoint's Banking Scorecard
American Savings Bank, National Association
Mid-Market
Specialty: Mortgage
HI
FDIC cert 32526
Designations: ✓ Community bank
Honolulu, HI
201
banks in Mid-Market tier nationally
4 in HI
View Mid-Market leaderboard (HI) →
American Savings Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.0B
-3.4% YoY
+2.1% QoQ
|
-$1.5B |
$10.5B
+2.9% YoY
|
$11.0B
+0.5% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$6.0B
-0.4% YoY
-0.1% QoQ
|
-$1.1B |
$7.1B
+4.5% YoY
|
$6.7B
-0.4% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$8.2B
+1.3% YoY
+2.3% QoQ
|
-$359.0M |
$8.5B
+3.0% YoY
|
$9.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
-0.34%
-355.1% YoY
+45.4% QoQ
|
-1.50% |
1.16%
+9.4% YoY
|
0.68%
+6.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.46%
+17.9% YoY
+1.6% QoQ
|
+0.06% |
3.40%
+7.9% YoY
|
3.23%
+8.7% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
71.55%
+1.3% YoY
+7.1% QoQ
|
+14.94% |
56.60%
-3.2% YoY
|
66.73%
-1.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.48%
+16.3% YoY
+150.4% QoQ
|
-0.21% |
0.68%
+12.0% YoY
|
0.49%
+42.7% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
73.72%
-1.7% YoY
-2.3% QoQ
|
-11.75% |
85.47%
+1.1% YoY
|
73.59%
-0.8% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
31.07%
-0.2% YoY
-0.8% QoQ
|
+10.43% |
20.64%
-0.3% YoY
|
21.28%
-1.2% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.32%
+19.8% YoY
+145.0% QoQ
|
-0.18% |
0.50%
+7.3% YoY
|
0.33%
+39.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.46%
-1.6% YoY
+2.2% QoQ
|
-0.09% |
13.55%
+1.8% YoY
|
14.29%
+0.1% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.69%
-7.9% YoY
+55.2% QoQ
|
-0.27% |
0.96%
+7.1% YoY
|
0.69%
-15.7% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
-0.34%
(Tier avg: 1.16%, National avg: 1.12%)
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
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.07% · Tier avg: 20.64%
64
64th pctile
Total Deposits
Current: $8.2B · Tier avg: $8.5B
63
63th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.46% · Tier avg: 13.55%
59
59th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
55
55th pctile
Total Assets
Current: $9.0B · Tier avg: $10.5B
54
54th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.96%
51
51th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
49
49th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.40%
20
20th pctile
Loan-to-Deposit Ratio
Current: 73.72% · Tier avg: 85.47%
14
14th pctile
Efficiency Ratio
Current: 71.55% · Tier avg: 56.60%
3
3th pctile
Return on Assets
Current: -0.34% · Tier avg: 1.16%
Top Weaknesses
3
3th pctile
Return on Assets
Current: -0.34% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 71.55% · Tier avg: 56.60%
20
20th pctile
Loan-to-Deposit Ratio
Current: 73.72% · Tier avg: 85.47%
49
49th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.40%
51
51th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
54
54th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.96%
55
55th pctile
Total Assets
Current: $9.0B · Tier avg: $10.5B
59
59th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.46% · Tier avg: 13.55%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
64
64th pctile
Total Deposits
Current: $8.2B · Tier avg: $8.5B
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.07% · Tier avg: 20.64%