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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 $1.0BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $15.3B27%Noninterest $5.6BQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.82%0.87%0.98%1.03%+25 bps
Return on Equity11.69%12.16%12.67%13.31%13.92%+223 bps
Net Interest Margin2.15%2.16%2.23%2.51%2.54%+39 bps
Efficiency Ratio64.01%63.01%60.14%59.87%58.02%-599 bps
Non-Interest Burden1.11%1.09%1.02%1.22%1.17%+6 bps
Growth
Asset Growth (YoY)1.75%0.90%2.44%0.10%0.55%-120 bps
Loan Growth (YoY)1.23%0.71%0.06%0.56%2.05%+82 bps
Deposit Growth (YoY)1.56%0.24%9.75%6.61%7.38%+582 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.20%0.19%0.18%0.18%-3 bps
Net Charge-Offs / Loans0.10%0.09%0.10%0.03%0.06%-4 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.05%8.08%8.21%8.31%8.38%+33 bps
Total Risk-Based Capital14.54%14.80%14.94%14.92%14.96%+42 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.72%70.88%66.23%67.49%68.17%-356 bps
Liquid Assets / Assets18.75%18.10%17.59%17.44%17.10%-165 bps
CRE / Total Capitaln/an/an/an/an/an/an/a