Hawaii Bank Stress by County

Hawaii reads among the most pressured in the country for bank stress — an average county score of 69/100, 2nd-highest of 52 states and territories. Think of it as the supply side of credit. As it deteriorates, refinancing options close and owners run out of alternatives to selling.

13 lenders across 4 Hawaii counties are scored on call-report data and local footprint.

Maui County (72/100) leads Hawaii, with Kauai County close behind. The full Hawaii county ranking sits below, ordered by bank stress with each row linking to its distress detail.

In 4 of its counties Hawaii shows high bank stress (65+), with a 79/100 peak.

Why it matters for acquisitions: local lending drives transactions. When the banks footprinting a Hawaii county are stressed, construction lending pulls back, refinances fail, and over-levered owners slide toward forced sale. It points at future Hawaii distress rather than describing current distress.

Practically, a among the most pressured in the country lending backdrop tells a Hawaii buyer which counties will run out of refinancing first -- and those are where inventory shows up early.

Hawaii is rebuilt every quarter from fresh call reports, which is why its ranking moves with real financial change.

DLRadar connects the Hawaii lender picture to what is happening on the ground -- filings, liens and ownership changes -- so a tightening bank maps to specific parcels.

The nationwide model runs on FDIC filings and links through to individual parcels and their liens. That gives Hawaii buyers an early, auditable read on supply, each number from public federal data.