Honolulu, HI · Cert 25158
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 1.0% share · #7 of 13 inst. · $0.5B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 0.84% | 0.45% | -0.47% | 1.72% | +74 bps | |
| Return on Equity | 9.33% | 7.78% | 4.08% | -4.13% | 14.80% | +548 bps | |
| Net Interest Margin | 2.21% | 2.35% | 2.44% | 2.44% | 2.38% | +17 bps | |
| Efficiency Ratio | 62.81% | 71.14% | 82.82% | 136.26% | 53.50% | -931 bps | |
| Non-Interest Burden | 0.92% | 1.31% | 1.91% | 3.10% | 0.18% | -74 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.20% | 4.48% | -1.74% | -5.91% | -3.55% | -975 bps | |
| Loan Growth (YoY) | 5.44% | 1.38% | -3.69% | -10.12% | -9.00% | -1,444 bps | |
| Deposit Growth (YoY) | 4.64% | 5.49% | -0.48% | -3.91% | -6.70% | -1,134 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.96% | 1.42% | 2.08% | 2.23% | +136 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.06% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.84% | 11.11% | 11.35% | 11.69% | 12.02% | +118 bps | |
| Total Risk-Based Capital | 15.66% | 15.85% | 16.03% | 16.81% | 16.90% | +124 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.45% | 90.06% | 90.88% | 88.07% | 88.22% | -223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |