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Bank of Hawaii

Honolulu, HI · Cert 18053 · Bank of Hawaii Corp.

State charter, Fed member · FED · 52 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Hawaii

Honolulu, HI · Cert 18053 · Bank of Hawaii Corp.

State charter, Fed member · FED · 52 branches

Q2 2026

$23.8BAssets
$14.3BLoans
$21.0BDeposits
$1.8BEquity
Loan mix
87%RE $11.6B5%C&I $0.7B8%Consumer $1.0BQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $15.3B27%Noninterest $5.6BQ3 2024Q2 2026

Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 32.0% share · #2 of 13 inst. · $14.7B of $46.0B

32.0% Honolulu
45.1% Maui
43.1% Hawaii
19.4% Guam

Executive Summary

  • Earnings: ROA of 1.03%, up 25 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.18% of loans (-3 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.38%, up 33 bps from a year ago.
  • Funding: loans stand at 68.17% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.03%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+39 bps YoY

Efficiency Ratio (YTD, annualized)

58.02%-599 bps YoY

Tier 1 Leverage Ratio

8.38%+33 bps YoY

NIM

3.64%Q2 ’243.64%Q2 ’253.74%Q2 ’26+9%+18%

Non-interest income vs. expense

1.83%Q2 ’241.85%Q2 ’251.89%Q2 ’26+1%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.64%0.76%0.78%0.82%0.87%0.98%1.03%+25 bps
Return on Equity10.44%10.36%11.52%11.69%12.16%12.67%13.31%13.92%+223 bps
Net Interest Margin1.96%1.95%2.11%2.15%2.16%2.23%2.51%2.54%+39 bps
Efficiency Ratio66.66%66.07%64.54%64.01%63.01%60.14%59.87%58.02%-599 bps
Non-Interest Burden1.05%1.03%1.10%1.11%1.09%1.02%1.22%1.17%+6 bps
Growth
Asset Growth (YoY)1.05%-0.57%1.98%1.75%0.90%2.44%0.10%0.55%-120 bps
Loan Growth (YoY)0.02%0.79%1.89%1.23%0.71%0.06%0.56%2.05%+82 bps
Deposit Growth (YoY)0.60%-2.33%1.61%1.56%0.24%9.75%6.61%7.38%+582 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.18%0.17%0.21%0.20%0.19%0.18%0.18%-3 bps
Net Charge-Offs / Loans0.09%0.09%0.12%0.10%0.09%0.10%0.03%0.06%-4 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 Ratio7.90%7.83%7.90%8.05%8.08%8.21%8.31%8.38%+33 bps
Total Risk-Based Capital14.31%14.20%14.21%14.54%14.80%14.94%14.92%14.96%+42 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits70.55%72.65%71.55%71.72%70.88%66.23%67.49%68.17%-356 bps
Liquid Assets / Assets19.77%19.54%18.96%18.75%18.10%17.59%17.44%17.10%-165 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Hawaii

Honolulu, HI · Cert 18053 · Peer group: banks over $10B in assets (n=142-144) · Bank of Hawaii Corp.

State charter, Fed member · FED · 52 branches

Q2 2026

$23.8BAssets
$14.3BLoans
$21.0BDeposits
$1.8BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of banks over $10B in assets (rank 11 of 142).
  • Widest gap: equity / assets trails 93% of banks over $10B in assets (rank 134 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.03%

Rank 99 of 144

Net Interest Margin

2.54%

Rank 126 of 144

Efficiency Ratio

58.02%

Rank 87 of 144

Equity / Assets

7.50%

Rank 134 of 144

Non-interest income vs. expense

$173.9M$454.3MINCOMEEXPENSE
Unfavorable gap of $280.4M · efficiency ratio beats 40% of banks over $10B in assets
Bank 58.02%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.03%1.00%1.26%1.54%Beats 31%99 / 144
Return on Equity13.79%8.98%11.34%14.40%Beats 72%40 / 144
Net Interest Margin2.54%2.82%3.31%3.68%Beats 13%126 / 144
Efficiency Ratio58.02%49.42%56.02%62.41%Beats 40%87 / 144
Asset Quality
Nonperforming Loans / Loans0.18%0.48%0.73%1.07%Beats 93%11 / 142
Net Charge-Offs / Loans0.06%0.05%0.11%0.22%Beats 68%47 / 142
Capital
Tier 1 Capital Ratio13.92%12.07%12.98%14.92%Beats 63%53 / 144
Total Risk-Based Capital Ratio14.96%13.39%14.14%16.25%Beats 63%53 / 144
Equity / Assets7.50%9.69%11.39%12.96%Beats 7%134 / 144
Liquidity & Funding
Loans / Deposits68.17%75.72%84.92%91.56%15th pctl122 / 143
Loans / Assets60.03%59.83%69.07%74.80%26th pctl106 / 144
Brokered Deposits / Depositsn/aNot reported for this institution