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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 $1.0BQ3 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 1.08%, up 28 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.18% of loans (-3 bps YoY), with net charge-offs at 0.10%.
  • 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 (quarter, annualized)

1.08%+28 bps YoY

Net Interest Margin (quarter, annualized)

2.56%+38 bps YoY

Efficiency Ratio (quarter, annualized)

56.20%-728 bps YoY

Tier 1 Leverage Ratio

8.38%+33 bps YoY

NIM

3.67%Q2 ’243.67%Q2 ’253.77%Q2 ’26+10%+17%

Non-interest income vs. expense

1.86%Q2 ’241.86%Q2 ’251.85%Q2 ’26-1%+0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.65%0.76%0.80%0.91%1.01%0.98%1.08%+28 bps
Return on Equity10.85%10.01%11.52%11.87%13.06%14.14%13.31%14.53%+266 bps
Net Interest Margin1.95%2.01%2.11%2.18%2.26%2.41%2.51%2.56%+38 bps
Efficiency Ratio64.99%64.36%64.54%63.48%61.13%52.85%59.87%56.20%-728 bps
Non-Interest Burden0.98%1.02%1.10%1.11%1.08%0.79%1.22%1.12%0 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 / Loans0.11%0.10%0.12%0.07%0.07%0.12%0.03%0.10%+2 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