American Savings Bank, National Association: how it compares with its peers
Against 198 U.S. banks with half to twice its assets, American Savings Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.65% vs. a 3.69% peer median). Its weakest relative measure is efficiency ratio (61.00% vs. 54.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.31% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 3.69% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.00% | 54.95% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $10.1M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.06% | 88.11% | Context |
What it means for lending operations
Its efficiency ratio of 61.00% is above the 54.95% 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
- Woodforest National Bank The Woodlands, TX · $8.98B
- Merrick Bank South Jordan, UT · $9.13B
- First Mid Bank & Trust, National Association Mattoon, IL · $9.14B
- Pinnacle Bank Lincoln, NE · $9.18B
- b1BANK Baton Rouge, LA · $8.89B
- The Bancorp Bank, National Association Sioux Falls, SD · $9.21B
Questions about American Savings Bank, National Association
How big is American Savings Bank, National Association?
American Savings Bank, National Association, established in 1987, is headquartered in Honolulu, HI. It reported $9.05B in total assets in its Q2 2026 FDIC call report and operates 35 offices.
What is American Savings Bank, National Association's return on assets?
1.24% annualized in Q2 2026, against a 1.31% median for 198 U.S. banks with half to twice its assets, ahead of 40% of them.
What is American Savings Bank, National Association's efficiency ratio?
61.00% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 54.95%, and lower is better.
Is American Savings Bank, National Association growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits grew 2.3%.
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.