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First Hawaiian Bank

$10B-$250B Specialty: Commercial HI FDIC cert 17985

Designations: ✓ Community bank

Honolulu, HI

49 branches across HI · GU · MP

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in HI.
  • Deposits -0.4% year over year ($20.2B on the books).
  • Delinquency rate 0.30%.
  • Return on assets 1.25%.
  • Efficiency ratio 55.21% vs a 53.67% peer average.
  • Loan-to-deposit ratio 71.46% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in HI
View $10B-$250B leaderboard (HI) →

First Hawaiian Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 31.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 11.9% in tier
  • - Flatlined Growth: Bottom 30.8% in tier
  • - ROA 0.14% below tier average
  • - Net Interest Margin 0.70% below tier average
  • - Efficiency Ratio 1.54% above tier average
Get updates when First Hawaiian Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Total Assets ? $23.6B
-0.8% YoY -2.5% QoQ
-$20.0B $43.6B
-13.8% YoY
$10.9B
+0.4% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $14.4B
+1.6% YoY +1.0% QoQ
-$13.6B $28.0B
-8.6% YoY
$6.8B
+1.6% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $20.2B
-0.4% YoY -3.0% QoQ
-$15.3B $35.4B
-14.0% YoY
$9.6B
+0.5% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.25%
+8.6% YoY +7.7% QoQ
-0.14% 1.39%
+25.9% YoY
1.03%
+121.0% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 3.22%
+3.6% YoY +1.8% QoQ
-0.70% 3.92%
+8.9% YoY
3.36%
+6.6% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 55.21%
-2.9% YoY -3.1% QoQ
+1.54% 53.67%
-1.9% YoY
63.53%
-3.9% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.30%
+30.1% YoY -1.8% QoQ
-0.71% 1.01%
-2.8% YoY
0.55%
+72.3% YoY
0.98%
+16.3% YoY
Top 13.8% in tier
Loan-to-Deposit Ratio ? 71.46%
+2.0% YoY +4.1% QoQ
-11.15% 82.61%
+3.1% YoY
74.20%
+0.4% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 32.03%
-5.5% YoY +1.9% QoQ
+11.45% 20.58%
+4.9% YoY
21.23%
-2.5% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.18%
+33.2% YoY +1.8% QoQ
-0.55% 0.73%
+5.8% YoY
0.36%
+68.4% YoY
0.69%
+15.8% YoY
Top 12.2% in tier
Tier 1 Capital Ratio ? 13.23%
+2.1% YoY +1.2% QoQ
-2.12% 15.35%
-0.4% YoY
14.58%
+2.1% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.47%
+9.4% YoY +119.8% QoQ
-0.02% 0.50%
+10.5% YoY
0.38%
+17.1% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Noninterest-Bearing 32.0%
-1.9pp YoY
+0.6pp QoQ
 +11.0pp 21.0% 21.2% 22.2% 83%
Brokered Deposits n/a n/a 9.2% n/a 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
C&I 13.7%
-0.6pp YoY
+0.7pp QoQ
 -3.4pp 17.2% 12.4% 12.5% 42%
CRE 36.9%
+1.0pp YoY
0.0pp QoQ
 -5.1pp 42.0% 36.3% 41.4% 33%
1-4 Family 34.9%
-0.8pp YoY
-0.5pp QoQ
 +11.8pp 23.1% 46.8% 31.3% 84%
Consumer 6.5%
+0.2pp YoY
0.0pp QoQ
 -6.4pp 12.9% 4.1% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
CET1 Ratio 13.2%
+0.3pp YoY
+0.2pp QoQ
 -2.0pp 15.3% 14.6% 19.7% 59%
Leverage Ratio 9.4%
+0.4pp YoY
+0.3pp QoQ
 -1.0pp 10.4% 9.9% 12.6% 29%
Total Capital Ratio 14.5%
+0.3pp YoY
+0.2pp QoQ
 -2.0pp 16.5% 15.8% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Full-Time Employees 1,995
-11 (-0.5%) YoY
+9 (+0.5%) QoQ
 -1,263 3,258 981 482 52%
Assets per Employee ($) $11.9M
-0.3% YoY
-3.0% QoQ
 -$15.2M $27.0M $9.3M $8.8M 46%
Branch Count 45
+1 (+2.3%) YoY
0 QoQ
 -93 137 29 18 35%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.4% 40%
Nonaccrual 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.7% 0.5% 1.0% 16%
Allowance Coverage 3.85x
-24.2% YoY
+0.1% QoQ
 +1.04x 2.81x 8.64x 20.23x 88%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
ROE 10.7%
+0.4pp YoY
+0.6pp QoQ
 -1.9pp 12.6% 11.4% 11.6% 49%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 2.0% 1.3% 1.7% 7%
Net Income ($, YTD) $149.3M
+9.3% YoY
— QoQ
 -$147.5M $296.8M $63.2M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#12 of 35 • Top 31.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.30%
(Tier: 1.01%, National: 0.98%)
better than tier avg
35 of 35 Large banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#1 of 59 • Bottom 0.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#9 of 67 • Bottom 11.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.30%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#9 of 26 • Bottom 30.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.25%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

18
Nonperforming Asset Ratio
credit_quality
Value: 0.18%
Peer Median: 0.73%
#18 of 139 Top 12.2% in $10B-$250B
20
Delinquency Rate
credit_quality
Value: 0.30%
Peer Median: 1.01%
#20 of 138 Top 13.8% in $10B-$250B
23
Non-Interest-Bearing Deposit Share
funding
Value: 32.03%
Peer Median: 20.58%
#23 of 139 Top 15.8% in $10B-$250B
27
Loan-to-Deposit Ratio
liquidity
Value: 71.46%
Peer Median: 82.61%
#27 of 139 Top 18.7% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available
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