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
7 Hawaii banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Hawaii's 7 FDIC-insured banks hold a combined $67.6B in assets. Their average Bank Health Score of 87/100 sits 17.0 points above the national average of 70/100. Across the state, 100% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Hawaii is First Hawaiian Bank with $24.0B in assets and a Bank Health Score of 89/100. The strongest by score is Hawaii National Bank in Honolulu (98/100, Tier 1 capital 17.43%). The weakest is Finance Factors Ltd at 77/100, dragged down by an NPL ratio of 0.40%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Hawaii
Hawaii National Bank
Honolulu, HI
Hawaii's top-rated bank, with a Tier 1 capital ratio of 17.43% — well above the federal "well-capitalized" threshold of 8%. Holds $826M in assets.
Territorial Savings Bank
Honolulu, HI
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.09% with $2.2B in total assets.
First Hawaiian Bank
Honolulu, HI
Third in the rankings on the Bank Health Score. Liquidity ratio of 29.59% and ROA of 1.28%.
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). It posts a Tier 1 capital ratio of 17.43% and a nonperforming loan ratio of 0.00%.
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 (Grade A).
Hawaii's average Bank Health Score of 87/100 is 17.0 points above the national average of 70/100. 100% of banks in Hawaii earn an A or B grade, compared with the national average grade of B.
Of 7 FDIC-insured banks headquartered in Hawaii, 6 earn an A, 1 a B, 0 a C, 0 a D, and 0 an F. The most common grade is A.
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. Every score uses the latest FDIC Call Report data.
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%).