First Hawaiian Bank
First Hawaiian Bank reported total assets of $23.6 bn at Q2 2026, down 0.8% on a year earlier, the 92nd largest of 497 banks in our US coverage. The CET1 capital ratio at First Hawaiian Bank was 13.23%, and the uninsured share of First Hawaiian Bank was 54.71%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, First Hawaiian Bank climbed from 245th to 210th among 448 US banks between and (1 = highest; FDIC Call Reports).
- First Hawaiian Bank has one of the highest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 54.71% at , against a median of 38.56% across 126 banks (FDIC Call Reports).
What sets First Hawaiian Bank apart
How large is First Hawaiian Bank?
The balance sheet of First Hawaiian Bank at : assets $23.6 bn, deposits $20.2 bn, net loans $14.4 bn (loans equal to 71.46% of deposits). Securities make up 23.3% of total assets at First Hawaiian Bank. Since , when First Hawaiian Bank held $19.1 bn, its assets grew 24.0%. In the year to , deposits at First Hawaiian Bank fell 0.4% while its total assets fell 0.8%. At , First Hawaiian Bank employed 1,995 full-time equivalent staff across 49 offices, about $11.9 mn of assets per employee and $411.5 mn of deposits per office.
How much funding at First Hawaiian Bank is uninsured?
At First Hawaiian Bank, uninsured deposits (above the FDIC limit) made up 54.71% of domestic deposits at (+0.58 pp on a year earlier); First Hawaiian Bank ranks 48th of 500 on this measure. In dollars, First Hawaiian Bank estimated $9.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $20.2 bn | -0.4% | 89th of 499 |
| Net loans and leases | $14.4 bn | +1.6% | 95th of 500 |
| Loan-to-deposit ratio | 71.46% | +1.40 pp | 414th of 500 |
| Tier 1 leverage ratio | 9.44% | +0.36 pp | 377th of 500 |
| Total risk-based capital ratio | 14.48% | +0.27 pp | 212th of 448 |
| Net interest margin | 3.22% | +0.11 pp | 366th of 500 |
| Return on assets (ROA) | 1.25% | +0.10 pp | 278th of 500 |
| Efficiency ratio | 55.21% | -1.66 pp | 238th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $376.2 mn | Narrowed by $51.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $181.1 mn | Narrowed by $25.1 mn | |
| Noncurrent loans to total loans | 0.30% | +0.07 pp | 107th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.13% | +0.03 pp | 298th of 500 (1 = lowest) |
US rank of First Hawaiian Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
First Hawaiian Bank: assets, deposits and loans
- Total assets $23.6bn
- Deposits $20.2bn
- Net loans $14.4bn
Capital and securities
The CET1 ratio of First Hawaiian Bank stood at 13.23% in , +0.27 pp year on year. Low and high at First Hawaiian Bank since : 11.51% () to 13.23% (). Equity capital of First Hawaiian Bank at : $2.8 bn, or 11.9% of total assets. First Hawaiian Bank also reported a total capital ratio of 14.48% for , and a tier 1 leverage ratio of 9.44%.
On held-to-maturity securities, First Hawaiian Bank carried an unrealized loss of $376.2 mn at , equal to 13.3% of equity capital. The loss narrowed by $51.9 mn over the year. Its deepest point: $671.1 mn in . The available-for-sale portfolio of First Hawaiian Bank showed an unrealized loss of $181.1 mn at ; the loss narrowed by $25.1 mn over the year.
First Hawaiian Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.4%
First Hawaiian Bank: unrealized securities gains and losses
- Available for sale -$181mn
- Held to maturity -$376mn
Profitability and loan quality
For the year to , First Hawaiian Bank earned a return on equity of 10.74%; return on assets: 1.25%. Net interest margin at First Hawaiian Bank: 3.22%, +0.11 pp in a year. First Hawaiian Bank net income: $149.3 mn, up 9.3% year on year. The efficiency ratio of First Hawaiian Bank was 55.21%: about 55 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.30% of total loans at First Hawaiian Bank; net charge-offs: 0.13% of average loans. Gross loans and leases at First Hawaiian Bank: $14.6 bn, up 1.6% in a year.
First Hawaiian Bank: profitability
- Return on equity 11%
- Net interest margin 3.2%
- Return on assets 1.2%
Peer group of First Hawaiian Bank
The peer group of First Hawaiian Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of First Hawaiian Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Hawaii. Against them, First Hawaiian Bank shows CET1 ratio 13.23% against a peer median of 13.84%, return on equity 10.74% against a peer median of 12.73% and uninsured deposit share 54.71% against a peer median of 46.97%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| 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% | |
| Wilmington Savings Fund Society, FSB | Federal savings bank | DE | $22.6 bn | 13.77% | 13.22% | 46.12% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Hawaiian Bank, to : assets -0.6%, deposits -0.4%, equity +7.0%. Staff 2,022 to 1,995; offices 48 to 49.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $23.8 bn | $23.8 bn | $23.7 bn | $23.8 bn | $24.1 bn | $24.0 bn | $24.3 bn | $23.6 bn |
| Total deposits | $20.2 bn | $20.3 bn | $20.2 bn | $20.2 bn | $20.7 bn | $20.5 bn | $20.8 bn | $20.2 bn |
| Bank equity capital | $2.6 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.8 bn |
| CET1 ratio | 12.94% | 12.71% | 12.87% | 12.96% | 13.16% | 13.10% | 13.07% | 13.23% |
| Return on equity (ROE) | 9.64% | 9.32% | 9.40% | 10.34% | 10.63% | 10.60% | 10.11% | 10.74% |
| Uninsured share of domestic deposits | 54.65% | 54.62% | 54.42% | 54.14% | 56.05% | 55.26% | 56.03% | 54.71% |
| Full-time equivalent employees | 2,022 | 1,997 | 1,995 | 2,006 | 2,001 | 1,997 | 1,986 | 1,995 |
| Number of offices | 48 | 48 | 48 | 48 | 49 | 49 | 49 | 49 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by First Hawaiian Bank 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 First Hawaiian Bank?
First Hawaiian Bank reported $23.6 bn at in its Call Report. That makes First Hawaiian Bank the 92nd largest of 497 banks in our US coverage.
Is First Hawaiian Bank the same as its holding company?
No. This page covers First Hawaiian Bank, FDIC certificate 17985; FIRST HAWAIIAN INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Hawaiian Bank profitable?
First Hawaiian Bank reported net income of $149.3 mn for the year to ; annualized return on equity: 10.74%. So yes: First Hawaiian Bank made a profit over these months.
When is data for First Hawaiian Bank next updated?
Figures from First Hawaiian Bank for are due after .
Where can I check the figures for First Hawaiian Bank?
In the FDIC BankFind Suite record for certificate 17985, and in the Call Reports of First Hawaiian Bank (RSSD ID 980661) at the FFIEC Central Data Repository.