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American Savings Bank, National Association
Honolulu, HI·FDIC Cert #32526·Charter: OCC·Est. 19870123.0
Total Assets
$9.0B
Q4 2025
Return on Assets
-0.34%
+0.28%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.55%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-0.34%+0.28
ROE
-4.93%+4.33
Efficiency
71.55%+4.73
Equity/Assets
0.00%+0.00
NPL Ratio
0.48%+0.29
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
73.72%-1.76
Charge-offs
0.08%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | -0.5 | -0.1 | 0.1 | -3.8 | -1.4 | -0.6 | -0.3 |
| ROE | 15.6 | -9.5 | -1.5 | 2.3 | -61.7 | -21.1 | -9.3 | -4.9 |
| Efficiency | 70.3 | 70.2 | 70.2 | 70.6 | 64.1 | 61.9 | 66.8 | 71.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.4 | 0.4 | 0.2 | 0.2 | 0.2 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 75.1 | 73.9 | 74.3 | 75.0 | 72.9 | 74.9 | 75.5 | 73.7 |
Balance Sheet
Total Assets$9.0B
Total Deposits$8.2B
Total Loans$6.0B
Total Equity$669.9M
Profitability
ROA-0.34%
ROE-4.93%
Efficiency Ratio71.55%
Net Income$-30.2M
Risk & Asset Quality
NPL Ratio0.48%
Charge-off Rate0.08%
Loan/Deposit73.72%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans