Safest Banks in Hawaii 2026
Hawaii has 7 FDIC-insured banks with an average Bank Health Score of 87/100 (A). The safest bank is Hawaii National Bank with a score of 98/100.
Data from FDIC Q2 2024
Top 7 Banks in Hawaii
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Hawaii National Bank | Honolulu | A | 98 | 17.43% | 0.00% |
| 2 | Territorial Savings Bank | Honolulu | A | 91 | 26.55% | 0.09% |
| 3 | First Hawaiian Bank | Honolulu | A | 89 | 12.66% | 0.15% |
| 4 | Bank of Hawaii | Honolulu | A | 89 | 13.15% | 0.15% |
| 5 | Central Pacific Bank | Honolulu | A | 82 | 13.31% | 0.23% |
| 6 | American Savings Bank FSB | Honolulu | A | 80 | 13.16% | 0.53% |
| 7 | Finance Factors Ltd | Honolulu | B | 77 | 15.39% | 0.40% |
Bank Health Scores for Hawaii are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Hawaii National Bank in Honolulu is currently the safest bank in Hawaii with a score of 98/100 (Grade A).
Hawaii has 7 FDIC-insured banks with a combined $67.6B in total assets. The average Bank Health Score across the state is 87/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).