Total Assets
$9.0B
Total balance-sheet footings
FDIC Cert #32526 · Honolulu, Hawaii · Est. 1987
American Savings Bank, National Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $9.0B
- Total assets
- C
- Health grade · Fair
- -0.34%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
American Savings Bank, National Association earns a PlainBankData health grade of C (59/100), with well-capitalized at 13.46% Tier 1, -0.34% ROA, 72% efficiency ratio.
- #178
- largest of 4,313 FDIC banks by assets
- 96th
- percentile by asset size, nationally
- 13.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 32526 · HI C · 59/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL
- GRADE-C C (59/100)
- LOWER-Q #3861/4307
- PHOTO-FINISH Bank of Marin · CA
- TIER1-WELL 13.5% Tier 1
- TEXAS-CLEAN 3.9% Texas
- ROA-LOSS -0.34% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside Hawaii: Bank of Marin, CA (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around American Savings Bank
Lowest and highest poles plus nearest scored peers outside Hawaii, not a full FDIC corpus board reprint.
Plate reading for American Savings Bank where failures stay rare
American Savings Bank, National Association (FDIC Cert #32526) carries a PlainBankData health grade of C at 59/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,861 of 4,307. Tier 1 capital prints at 13.46%, clearing the 10% well-capitalized line. The Texas Ratio is 3.95%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.34%. Balance-sheet scale is $9.0B, 178th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Marin (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around American Savings Bank
Only 1 FAILURE resolution in Hawaii since 2000
American Savings Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.
- BANK OF HONOLULU HONOLULU, HI 2000 → BANK OF THE ORIENT
- BANK USA, N.A. KIHEI, MAUI, HI 1995 → HAWAII NATIONAL BANK
- EASTWEST BANK, N.A. KIHEI, HI 1992 → FIRST HAWAIIAN BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Hawaii banks.
How American Savings Bank, National Association's 59/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.46%) 35/40
Return on Assets (ROA) (-0.34%) 0/25
Texas Ratio (3.95%) 20/20
Efficiency Ratio (71.55%) 4/15
59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$8.2B
Customer-funded liabilities
Net Loans
$6.0B
Outstanding loan book
Net Income
$-30,194K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Savings Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Savings Bank, National Association's score of 59/100 falls in the highlighted band.
American Savings Bank, National Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
59 10th percentile higher than 10% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
American Savings Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Savings Bank, National Association's $9.0B falls in the highlighted band.
Safety metrics: American Savings Bank
Tier 1 capital ratio
Well-capitalized 10%
13.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.46%
Texas Ratio
3.95%
Equity Capital
$670M
Profitability metrics: American Savings Bank
Return on Assets (ROA)
3rd percentile nationally
-0.34%
Return on Equity (ROE)
-4.93%
Efficiency Ratio
71.55%
Income & expense: loss period at American Savings Bank
$353M
Interest Income
$62M
Non-Interest Income
$247M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Savings Bank, National Association reports a Texas Ratio of 3.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at American Savings Bank, National Association
American Savings Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-30,194K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at American Savings Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Hawaii by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($9.0B here), outside Hawaii so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Savings Bank, National Association (FDIC Cert #32526) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
American Savings Bank, National Association Call Report profile · FDIC Failed Bank List · Hawaii FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Hawaii
All Hawaii banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of HawaiiHonolulu | $24.1B | B | 0.87% |
| First Hawaiian BankHonolulu | $24.0B | A | 1.19% |
| Central Pacific BankHonolulu | $7.4B | A | 1.15% |
| Hawaii National BankHonolulu | $893M | B | 0.69% |
| Finance Factors, Ltd.Honolulu | $688M | C | 0.50% |