Honolulu, HI · Cert 30836
FDIC · 30 branches
Q1 2025
Market Position · Urban Honolulu, HI · 2024 SOD (annual) · 2.8% share · #5 of 13 inst. · $1.2B of $45.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.32% | 0.26% | -0.01% | -0.02% | -0.07% | -0.07% | -1.42% | -141 bps | |
| Return on Equity | 3.66% | 3.05% | 2.49% | -0.09% | -0.18% | -0.65% | -0.66% | -13.20% | -1,311 bps | |
| Net Interest Margin | 2.10% | 2.02% | 1.94% | 1.58% | 1.55% | 1.49% | 1.47% | 1.39% | -19 bps | |
| Efficiency Ratio | 76.12% | 79.95% | 82.66% | 101.26% | 101.94% | 106.44% | 108.34% | 250% | +14,834 bps | |
| Non-Interest Burden | 1.57% | 1.59% | 1.58% | 1.61% | 1.58% | 1.59% | 1.60% | 3.68% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | 2.15% | 3.09% | -0.89% | -2.43% | -0.60% | -3.05% | -3.80% | -292 bps | |
| Loan Growth (YoY) | 1.68% | 1.11% | 0.91% | 1.03% | -0.69% | -1.80% | -1.67% | -2.61% | -364 bps | |
| Deposit Growth (YoY) | -4.38% | -3.24% | -5.08% | -4.24% | -4.66% | 0.84% | 4.47% | 3.57% | +782 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.17% | 0.17% | 0.09% | 0.18% | 0.15% | 0.15% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.40% | 0.38% | 0.39% | 0.39% | 0.39% | 0.39% | 0.40% | 0.40% | +1 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.2x | 2.3x | 2.3x | 4.1x | 2.2x | 2.6x | 2.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.84% | 10.86% | 10.79% | 10.85% | 10.82% | 10.98% | 10.67% | -12 bps | |
| Total Risk-Based Capital | 26.62% | 26.72% | 26.87% | 26.91% | 27.11% | 27.24% | 27.26% | 26.57% | -34 bps | |
| Equity / Assets | 10.34% | 10.40% | 10.40% | 10.59% | 10.72% | 10.56% | 10.74% | 10.84% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.92% | 77.98% | 78.36% | 80.55% | 81.17% | 75.95% | 73.75% | 75.74% | -481 bps | |
| Liquid Assets / Assets | 35.16% | 35.06% | 35.84% | 34.51% | 34.22% | 35.94% | 35.05% | 33.64% | -87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |