HAWAII NATIONAL BANK

HONOLULU, HI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1960FDIC #18,296

Satisfactory Same

Current rating · Exam: October 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Website

www.hawaiinational.bank

Address

45 N King St Fl 7, HONOLULU, HI

County

Honolulu County

Established

September 16, 1960

Total Assets

$883M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

October 23, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$883M

Total Deposits

$785M

Net Loans

$519M

Net Income

$2M

ROA

0.80%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.62%

Risk-Based Capital

18.24%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.80%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.24%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$769M

1-Year Change

5-year net change: -4 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	26	76.92%	0.00%
2019	63	90.48%	0.00%
2018	65	86.15%	0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2023	Satisfactory	Intermediate Small Bank
Aug 2020	Satisfactory	Intermediate Small Bank
May 2017	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1997

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/c87e8bf0-8472-48b0-92d7-e464ac66e25a"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: