BlastPoint's Banking Scorecard

Bank of Hawaii

$10B-$250B Specialty: Mortgage HI FDIC cert 18053

Honolulu, HI

52 branches across HI · GU · MP · PW

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 ($21.0B on the books).
Delinquency rate 0.18%.
Return on assets 1.03%.
Efficiency ratio 58.02% vs a 53.67% peer average.
Loan-to-deposit ratio 67.47% 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) →

Bank of Hawaii has 2 strengths but faces 4 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

+ Delinquency Rate 0.84% below tier average
+ Nonperforming Asset Ratio 0.62% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 34.6% in tier
- ROA 0.36% below tier average
- Net Interest Margin 1.18% below tier average
- Efficiency Ratio 4.34% above tier average

Get updates when Bank of Hawaii releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Total Assets ?	$23.8B +0.6% YoY -0.3% QoQ	-$19.8B	$43.6B -13.8% YoY	$10.9B +0.4% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$14.1B +2.1% YoY +0.7% QoQ	-$13.8B	$28.0B -8.6% YoY	$6.8B +1.6% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$21.0B +0.4% YoY -0.3% QoQ	-$14.5B	$35.4B -14.0% YoY	$9.6B +0.5% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.03% +31.5% YoY +5.4% QoQ	-0.36%	1.39% +25.9% YoY	1.03% +121.0% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	2.74% +17.2% YoY +1.1% QoQ	-1.18%	3.92% +8.9% YoY	3.36% +6.6% YoY	3.95% +4.9% YoY	Bottom 13.7% in tier
Efficiency Ratio ?	58.02% -9.4% YoY -3.1% QoQ	+4.34%	53.67% -1.9% YoY	63.53% -3.9% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.18% -16.4% YoY -1.0% QoQ	-0.84%	1.01% -2.8% YoY	0.55% +72.3% YoY	0.98% +16.3% YoY	Top 7.2% in tier
Loan-to-Deposit Ratio ?	67.47% +1.7% YoY +1.0% QoQ	-15.14%	82.61% +3.1% YoY	74.20% +0.4% YoY	79.03% +2.3% YoY	Top 13.7% in tier
Non-Interest-Bearing Deposit Share ?	26.94% +2.0% YoY -1.1% QoQ	+6.36%	20.58% +4.9% YoY	21.23% -2.5% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.11% -15.5% YoY -0.6% QoQ	-0.62%	0.73% +5.8% YoY	0.36% +68.4% YoY	0.69% +15.8% YoY	Top 8.6% in tier
Tier 1 Capital Ratio ?	13.92% +3.3% YoY +0.3% QoQ	-1.43%	15.35% -0.4% YoY	14.58% +2.1% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.37% -2.6% YoY +104.4% QoQ	-0.13%	0.50% +10.5% YoY	0.38% +17.1% YoY	0.66% +5.2% YoY	54%

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	26.9% +0.5pp YoY -0.3pp QoQ	+5.9pp	21.0%	21.2%	22.2%	69%
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	5.5% +0.5pp YoY +0.6pp QoQ	-11.7pp	17.2%	12.4%	12.5%	10%
CRE	31.0% -0.2pp YoY -0.7pp QoQ	-11.1pp	42.0%	36.3%	41.4%	27%
1-4 Family	49.1% +0.1pp YoY +0.1pp QoQ	+26.0pp	23.1%	46.8%	31.3%	95%
Consumer	7.3% -0.3pp YoY 0.0pp QoQ	-5.6pp	12.9%	4.1%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
CET1 Ratio	13.9% +0.4pp YoY 0.0pp QoQ	-1.3pp	15.3%	14.6%	19.7%	66%
Leverage Ratio	8.4% +0.3pp YoY +0.1pp QoQ	-2.0pp	10.4%	9.9%	12.6%	10%
Total Capital Ratio	15.0% +0.4pp YoY 0.0pp QoQ	-1.6pp	16.5%	15.8%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Full-Time Employees	1,910 -11 (-0.6%) YoY +44 (+2.4%) QoQ	-1,348	3,258	981	482	46%
Assets per Employee ($)	$12.5M +1.1% YoY -2.6% QoQ	-$14.6M	$27.0M	$9.3M	$8.8M	51%
Branch Count	48 +1 (+2.1%) YoY 0 QoQ	-90	137	29	18	37%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.1%	0.4%	66%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.7%	0.5%	1.0%	7%
Allowance Coverage	5.78x +15.9% YoY +0.4% QoQ	+2.97x	2.81x	8.64x	20.23x	96%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
ROE	13.9% +2.2pp YoY +0.6pp QoQ	+1.3pp	12.6%	11.4%	11.6%	71%
Cost of Funds (YTD)	1.3% -0.3pp YoY 0.0pp QoQ	-0.7pp	2.0%	1.3%	1.7%	16%
Net Income ($, YTD)	$123.0M +32.8% YoY — QoQ	-$173.8M	$296.8M	$63.2M	$40.4M	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#10 of 26 • Bottom 34.6% 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: 1.03%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

26 of 26 Large banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.18%

Peer Median: 1.01%

#11 of 138 Top 7.2% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.73%

#13 of 139 Top 8.6% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 67.47%

Peer Median: 82.61%

#20 of 139 Top 13.7% in $10B-$250B

Top Weaknesses (1 metrics)

121

Net Interest Margin

profitability

Value: 2.74%

Peer Median: 3.92%

#121 of 139 Bottom 13.7% in $10B-$250B