American Savings Bank FSB
Honolulu, Hawaii · FDIC Cert #32526
American Savings Bank FSB is an FDIC-insured bank (Certificate #32526) with $9.3B in total assets and $8.1B in total deposits as of the Q2 2024 Call Report. 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). 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
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 76, meaning this bank ranks above its size cohort. Site-wide, American Savings Bank FSB is 10 points above the portfolio average of 70.
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 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.