AMERICAN SAVINGS BANK, FSB

HONOLULU, HI · Supervised by OTS

Est. 1987FDIC #32,526

Outstanding Same

Current rating · Exam: May 2008

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.27%

Institution Profile

FDIC BankFind

Website

www.asbhawaii.com

Address

300 N Beretania St, HONOLULU, HI

County

Honolulu County

Established

January 23, 1987

Total Assets

$9.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 16, 2008

Exam Type

Large Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.0B

Total Deposits

$8.2B

Net Loans

$6.1B

Net Income

$29M

ROA

1.27%

Above avg for Community banks. Peer avg: 0.90%

ROE

16.90%

Risk-Based Capital

14.55%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.27%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.55%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate25.92%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$8.1B

1-Year Change

5-year net change: -9 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	3,384	63.45%	25.92%
2022	7,492	63%	28.51%
2021	8,096	70.13%	20.07%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2008	Outstanding	Large Bank
May 2005	Outstanding	Large Bank
Sep 2002	Outstanding	Large Bank

5 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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