Bank · FDIC insured
Hawaii National Bank
A $871.7M bank headquartered in Honolulu, HI, with 10 branches in Hawaii. Best rates: savings 0.07% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings620.07%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Hawaii National Bank
Founded in 1960, Hawaii National Bank is a locally owned, closely held, family business run by its third generation.
Founded by K.J. Luke to seize statehood opportunities, the bank specializes in small business banking and commercial lending for local entrepreneurs.
- Headquarters
- 45 N King St Fl 7, Honolulu, HI 96817
- FDIC certificate
- 18296 ↗
Branches
10 branches in Hawaii
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Hawaii
10 branches
Urban Honolulu area · 8
- Hawaii National BankMain office45 N King St Fl 7, Honolulu, HI 96817Directions
- Airport Branch550 Paiea Street, Suite L-3a, Honolulu, HI 96816Directions
- Kaimuki Branch4211 Waialae Ave, Honolulu, HI 96816Directions
- Kalihi Branch1620 N School St, Honolulu, HI 96817Directions
- Kapiolani Branch1311 Kapiolani Blvd, Honolulu, HI 96814Directions
- Main Branch45 N King St, Honolulu, HI 96817Directions
- Kailua Branch21 Aulike St, Kailua, HI 96734Directions
- Pearl City Branch98-1268 Kaahumanu St, Pearl City, HI 96782Directions
Hilo area · 1
- Puainako Branch2100 Kanoelehua Ave, Hilo, HI 96720Directions
Kahului area · 1
- Kahului Branch53 S Puunene Ave, Kahului, HI 96732Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.02% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.05% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.86% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $68 | $81 | — |
- CapitalLeverage ratio11.02%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.05%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.86%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$68Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Hawaii National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.