Bank of Hawaii
Bank of Hawaii reported total assets of $23.8 bn at Q2 2026, up 0.6% on a year earlier, the 91st largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of Hawaii was 13.92%, and the uninsured share of Bank of Hawaii was 47.22%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Bank of Hawaii climbed from 365th to 296th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Bank of Hawaii reports one of the lowest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 0.18% at , where the median of the 126 banks is 0.66% (FDIC Call Reports).
- The tier 1 leverage ratio of Bank of Hawaii, 8.38% at , places Bank of Hawaii in the bottom tenth of banks of $10 bn to $100 bn (group median 10.25%; FDIC Call Reports).
What sets Bank of Hawaii apart
How large is Bank of Hawaii?
The balance sheet of Bank of Hawaii at : assets $23.8 bn, deposits $21.0 bn, net loans $14.1 bn (loans equal to 67.47% of deposits). Securities make up 32.3% of total assets at Bank of Hawaii. Since , when Bank of Hawaii held $15.7 bn, its assets grew 51.8%. In the year to , deposits at Bank of Hawaii rose 0.4% while its total assets rose 0.6%. At , Bank of Hawaii employed 1,910 full-time equivalent staff across 52 offices, about $12.5 mn of assets per employee and $403.2 mn of deposits per office.
How much funding at Bank of Hawaii is uninsured?
At Bank of Hawaii, uninsured deposits (above the FDIC limit) made up 47.22% of domestic deposits at (-3.41 pp on a year earlier); Bank of Hawaii ranks 109th of 500 on this measure. In dollars, Bank of Hawaii estimated $9.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $21.0 bn | +0.4% | 86th of 499 |
| Net loans and leases | $14.1 bn | +2.1% | 97th of 500 |
| Loan-to-deposit ratio | 67.47% | +1.15 pp | 432nd of 500 |
| Tier 1 leverage ratio | 8.38% | +0.33 pp | 460th of 500 |
| Total risk-based capital ratio | 14.96% | +0.42 pp | 169th of 448 |
| Net interest margin | 2.74% | +0.40 pp | 446th of 500 |
| Return on assets (ROA) | 1.03% | +0.25 pp | 374th of 500 |
| Efficiency ratio | 58.02% | -5.99 pp | 296th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $617.9 mn | Narrowed by $68.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $159.9 mn | Narrowed by $49.6 mn | |
| Noncurrent loans to total loans | 0.18% | -0.03 pp | 57th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | -0.04 pp | 219th of 500 (1 = lowest) |
US rank of Bank of Hawaii: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of Hawaii: assets, deposits and loans
- Total assets $23.8bn
- Deposits $21.0bn
- Net loans $14.1bn
Capital and securities
The CET1 ratio of Bank of Hawaii stood at 13.92% in , +0.43 pp year on year. Low and high at Bank of Hawaii since : 11.43% () to 13.92% (). Equity capital of Bank of Hawaii at : $1.8 bn, or 7.5% of total assets. Bank of Hawaii also reported a total capital ratio of 14.96% for , and a tier 1 leverage ratio of 8.38%.
On held-to-maturity securities, Bank of Hawaii carried an unrealized loss of $617.9 mn at , equal to 34.6% of equity capital. The loss narrowed by $68.6 mn over the year. Its deepest point: $983.3 mn in . The available-for-sale portfolio of Bank of Hawaii showed an unrealized loss of $159.9 mn at ; the loss narrowed by $49.6 mn over the year.
Bank of Hawaii: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 8.4%
Bank of Hawaii: unrealized securities gains and losses
- Available for sale -$160mn
- Held to maturity -$618mn
Profitability and loan quality
For the year to , Bank of Hawaii earned a return on equity of 13.92%; return on assets: 1.03%. Net interest margin at Bank of Hawaii: 2.74%, +0.40 pp in a year. Bank of Hawaii net income: $123.0 mn, up 32.8% year on year. The efficiency ratio of Bank of Hawaii was 58.02%: about 58 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.18% of total loans at Bank of Hawaii; net charge-offs: 0.06% of average loans. Gross loans and leases at Bank of Hawaii: $14.3 bn, up 2.1% in a year.
Bank of Hawaii: profitability
- Return on equity 14%
- Net interest margin 2.7%
- Return on assets 1.0%
Peer group of Bank of Hawaii
The peer group of Bank of Hawaii is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Bank of Hawaii (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Hawaii. Against them, Bank of Hawaii shows CET1 ratio 13.92% against a peer median of 13.61%, return on equity 13.92% against a peer median of 11.48% and uninsured deposit share 47.22% against a peer median of 48.89%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Cathay Bank | State nonmember bank | CA | $24.6 bn | 13.98% | 12.26% | 49.81% | |
| Centennial Bank | State member bank | AR | $24.6 bn | 14.83% | 12.23% | 46.72% | |
| TriState Capital Bank | State member bank | PA | $24.3 bn | 18.45% | 10.62% | 38.32% | |
| Bank of Hawaii | State member bank | HI | $23.8 bn | 13.92% | 13.92% | 47.22% | |
| First Hawaiian Bank | State nonmember bank | HI | $23.6 bn | 13.23% | 10.74% | 54.71% | |
| OceanFirst Bank | National bank | NJ | $23.2 bn | 12.96% | 2.90% | 51.83% | |
| TowneBank | State nonmember bank | VA | $22.6 bn | 12.16% | 16.91% | 47.97% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of Hawaii, to : assets +0.2%, deposits -0.6%, equity +15.9%. Staff 1,854 to 1,910; offices 51 to 52.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $23.8 bn | $23.6 bn | $23.9 bn | $23.7 bn | $24.0 bn | $24.1 bn | $23.9 bn | $23.8 bn |
| Total deposits | $21.1 bn | $20.7 bn | $21.1 bn | $20.9 bn | $21.2 bn | $21.3 bn | $21.0 bn | $21.0 bn |
| Bank equity capital | $1.5 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.7 bn | $1.8 bn | $1.8 bn | $1.8 bn |
| CET1 ratio | 13.25% | 13.16% | 13.16% | 13.49% | 13.75% | 13.89% | 13.89% | 13.92% |
| Return on equity (ROE) | 10.44% | 10.36% | 11.52% | 11.69% | 12.16% | 12.67% | 13.31% | 13.92% |
| Uninsured share of domestic deposits | 51.21% | 50.33% | 50.86% | 50.63% | 51.01% | 47.59% | 47.20% | 47.22% |
| Full-time equivalent employees | 1,854 | 1,865 | 1,876 | 1,921 | 1,905 | 1,877 | 1,866 | 1,910 |
| Number of offices | 51 | 51 | 51 | 51 | 51 | 51 | 52 | 52 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Bank of Hawaii appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Bank of Hawaii?
Bank of Hawaii reported $23.8 bn at in its Call Report. That makes Bank of Hawaii the 91st largest of 497 banks in our US coverage.
Is Bank of Hawaii the same as its holding company?
No. This page covers Bank of Hawaii, FDIC certificate 18053; BANK OF HAWAII CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of Hawaii profitable?
Bank of Hawaii reported net income of $123.0 mn for the year to ; annualized return on equity: 13.92%. So yes: Bank of Hawaii made a profit over these months.
When is data for Bank of Hawaii next updated?
Figures from Bank of Hawaii for are due after .
Where can I check the figures for Bank of Hawaii?
In the FDIC BankFind Suite record for certificate 18053, and in the Call Reports of Bank of Hawaii (RSSD ID 795968) at the FFIEC Central Data Repository.