Honolulu, HI · Cert 17985 · First Hawaiian Inc.
State charter, non-member · FDIC · 49 branches
Q2 2026
Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 32.6% share · #1 of 13 inst. · $15.0B of $46.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.19% | 1.19% | 1.16% | 1.25% | +10 bps | |
| Return on Equity | 10.34% | 10.63% | 10.60% | 10.11% | 10.74% | +41 bps | |
| Net Interest Margin | 2.69% | 2.72% | 2.75% | 2.76% | 2.80% | +11 bps | |
| Efficiency Ratio | 56.87% | 56.06% | 55.64% | 56.99% | 55.21% | -166 bps | |
| Non-Interest Burden | 1.16% | 1.14% | 1.14% | 1.20% | 1.13% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.64% | 1.35% | 0.53% | 2.19% | -0.80% | -17 bps | |
| Loan Growth (YoY) | -0.08% | -0.78% | -0.65% | 1.02% | 1.57% | +165 bps | |
| Deposit Growth (YoY) | -0.84% | 2.42% | 0.62% | 2.08% | -1.84% | -100 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.31% | 0.30% | 0.30% | +7 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | 0.11% | 0.14% | 0.12% | +3 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.07% | 9.11% | 9.22% | 9.17% | 9.44% | +36 bps | |
| Total Risk-Based Capital | 14.21% | 14.41% | 14.35% | 14.32% | 14.48% | +27 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.97% | 75.94% | 78.15% | 78.13% | 81.71% | +274 bps | |
| Liquid Assets / Assets | 15.35% | 14.91% | 14.75% | 14.34% | 14.43% | -92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |