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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.91% | 1.04% | 1.26% | 1.26% | 1.19% | 1.16% | 1.33% | +7 bps | |
| Return on Equity | 9.80% | 8.29% | 9.40% | 11.26% | 11.21% | 10.48% | 10.11% | 11.41% | +14 bps | |
| Net Interest Margin | 2.58% | 2.64% | 2.66% | 2.72% | 2.80% | 2.83% | 2.76% | 2.83% | +12 bps | |
| Efficiency Ratio | 57.29% | 56.95% | 57.50% | 56.27% | 54.53% | 54.42% | 56.99% | 53.52% | -275 bps | |
| Non-Interest Burden | 1.11% | 1.11% | 1.18% | 1.14% | 1.10% | 1.12% | 1.20% | 1.06% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.55% | -4.39% | -2.19% | -0.64% | 1.35% | 0.53% | 2.19% | -0.80% | -17 bps | |
| Loan Growth (YoY) | -0.63% | 0.38% | -0.18% | -0.08% | -0.78% | -0.65% | 1.02% | 1.57% | +165 bps | |
| Deposit Growth (YoY) | -7.38% | -5.97% | -3.05% | -0.84% | 2.42% | 0.62% | 2.08% | -1.84% | -100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.17% | 0.23% | 0.26% | 0.31% | 0.30% | 0.30% | +7 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | 0.11% | 0.09% | 0.12% | 0.14% | 0.14% | 0.11% | +2 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 9.08% | 8.96% | 9.07% | 9.11% | 9.22% | 9.17% | 9.44% | +36 bps | |
| Total Risk-Based Capital | 14.16% | 13.90% | 14.11% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.39% | 79.16% | 78.95% | 78.97% | 75.94% | 78.15% | 78.13% | 81.71% | +274 bps | |
| Liquid Assets / Assets | 16.21% | 15.91% | 15.69% | 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 | n/a | n/a | n/a |