American Savings Bank FSB
Honolulu, Hawaii · FDIC Cert #32526
This is the FDIC profile for American Savings Bank FSB, an FDIC-insured bank (Certificate #32526) with $9.3B in total assets and $8.1B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Honolulu, Hawaii, the bank maintains a Tier 1 capital ratio of 13.16% (Well-Capitalized) and a nonperforming loan ratio of 0.53%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Savings Bank FSB (FDIC cert 32526) is a mid-sized bank with $9.3B in total assets and $8.1B in deposits, based in Honolulu, Hawaii. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.53% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 27.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.66% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. American Savings Bank FSB carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Savings Bank FSB
- Total Assets
- $9.3B
- Total Deposits
- $8.1B
- Tier 1 Capital Ratio
- 13.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.53%
- Liquidity Ratio
- 27.75%
- Return on Assets
- -0.66%
- Headquarters
- Honolulu, Hawaii
- FDIC Certificate
- #32526
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
American Savings Bank FSB files quarterly Call Reports with the FDIC under Certificate #32526. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, American Savings Bank FSB holds a Tier 1 capital ratio of 13.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American Savings Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American Savings Bank FSB shows strong financial health indicators. With $9.3B in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Savings Bank FSB Compares
American Savings Bank FSB’s Health Score of 80 is 7 points below the Hawaii state average of 87 across 7 FDIC-insured banks. Its 13.16% Tier 1 capital ratio is 0.8 points below the US banking industry average near 14%. The 0.53% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.66% is below the national ROA benchmark of ~1.1%. Among 184 similarly-sized banks, the average Health Score is 78, meaning this bank ranks above its size cohort.
Frequently Asked Questions
American Savings Bank FSB has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Savings Bank FSB's Tier 1 capital ratio of 13.16% and nonperforming loan ratio of 0.53% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Savings Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32526). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Savings Bank FSB holds $9.3B in total assets and $8.1B in total deposits. It is headquartered in Honolulu, Hawaii (FDIC Certificate #32526).
American Savings Bank FSB's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #32526 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
American Savings Bank FSB has a Tier 1 capital ratio of 13.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.53%, and the return on assets is -0.66%.
Yes. American Savings Bank FSB is FDIC-insured (Certificate #32526). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Savings Bank FSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.