Hawaii National Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Hawaii National Bank's strongest measure in Q2 2026 is net interest margin (4.10% vs. a 3.86% peer median). Its weakest relative measure is efficiency ratio (73.33% vs. 61.24%).
| Measure | Hawaii National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.86% | 1.28% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 3.86% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.33% | 61.24% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.3M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.90% | 83.33% | Context |
What it means for lending operations
Its efficiency ratio of 73.33% is above the 61.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bogota Savings Bank Teaneck, NJ · $872M
- Farmers and Merchants Union Bank Columbus, WI · $872M
- First Liberty Bank Liberty, TX · $873M
- KS Bank, Inc. Smithfield, NC · $874M
- Farmers and Merchants Bank Upperco, MD · $874M
- BayVanguard Bank Baltimore, MD · $869M
Questions about Hawaii National Bank
How big is Hawaii National Bank?
Hawaii National Bank, established in 1960, is headquartered in Honolulu, HI. It reported $872M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Hawaii National Bank's return on assets?
0.86% annualized in Q2 2026, against a 1.28% median for 999 U.S. banks with half to twice its assets, ahead of 23% of them.
What is Hawaii National Bank's efficiency ratio?
73.33% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is Hawaii National Bank growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Hawaii bank ranked.