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First Hawaiian Bank

Honolulu, HI · Cert 17985 · First Hawaiian Inc.

State charter, non-member · FDIC · 49 branches

Q2 2026

$23.6BAssets
$14.6BLoans
$17.8BDeposits
$2.8BEquity
Loan mix
79%RE $10.7B14%C&I $1.9B7%Consumer $0.9BQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $12.2B32%Noninterest $5.7BQ3 2024Q2 2026

Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 32.6% share · #1 of 13 inst. · $15.0B of $46.0B

32.6% Honolulu
41.6% Guam
25.5% Hawaii
22.1% Maui

Executive Summary

  • Earnings: ROA of 1.25%, up 10 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.30% of loans (+7 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 9.44%, up 36 bps from a year ago.
  • Funding: loans stand at 81.71% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.25%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+11 bps YoY

Efficiency Ratio (YTD, annualized)

55.21%-166 bps YoY

Tier 1 Leverage Ratio

9.44%+36 bps YoY

NIM

4.03%Q2 ’243.92%Q2 ’253.83%Q2 ’26+6%+4%

Non-interest income vs. expense

2.02%Q2 ’242.02%Q2 ’252.06%Q2 ’26-2%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.98%1.04%1.15%1.19%1.19%1.16%1.25%+10 bps
Return on Equity9.64%9.32%9.40%10.34%10.63%10.60%10.11%10.74%+41 bps
Net Interest Margin2.54%2.59%2.66%2.69%2.72%2.75%2.76%2.80%+11 bps
Efficiency Ratio59.10%58.55%57.50%56.87%56.06%55.64%56.99%55.21%-166 bps
Non-Interest Burden1.16%1.15%1.18%1.16%1.14%1.14%1.20%1.13%-3 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 / Loans0.16%0.19%0.17%0.23%0.26%0.31%0.30%0.30%+7 bps
Net Charge-Offs / Loans0.10%0.09%0.11%0.10%0.11%0.11%0.14%0.12%+3 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.08%9.08%8.96%9.07%9.11%9.22%9.17%9.44%+36 bps
Total Risk-Based Capital14.16%13.90%14.11%14.21%14.41%14.35%14.32%14.48%+27 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits78.39%79.16%78.95%78.97%75.94%78.15%78.13%81.71%+274 bps
Liquid Assets / Assets16.21%15.91%15.69%15.35%14.91%14.75%14.34%14.43%-92 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a