Honolulu, HI · Cert 32526
National charter · OCC · 35 branches
Q2 2026
Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 14.6% share · #3 of 13 inst. · $6.7B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.79% | -3.78% | 1.14% | 0.91% | 0.51% | 1.27% | 1.20% | +6 bps | |
| Return on Equity | 14.24% | 13.33% | -61.72% | 17.12% | 12.65% | 6.91% | 16.90% | 15.82% | -130 bps | |
| Net Interest Margin | 2.64% | 2.65% | 2.81% | 3.17% | 3.24% | 3.32% | 3.30% | 3.33% | +16 bps | |
| Efficiency Ratio | 70.30% | 71.74% | 64.12% | 59.90% | 78.28% | 83.67% | 60.29% | 61.67% | +177 bps | |
| Non-Interest Burden | 1.64% | 1.68% | 1.55% | 1.55% | 2.52% | 2.61% | 1.63% | 1.65% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.03% | -3.95% | -2.11% | -5.03% | -5.10% | -3.35% | -1.31% | 2.67% | +770 bps | |
| Loan Growth (YoY) | -2.47% | -1.21% | -0.76% | 0.87% | 0.86% | -0.54% | 1.23% | 2.40% | +153 bps | |
| Deposit Growth (YoY) | -2.75% | -1.49% | 2.36% | -0.49% | -0.59% | 1.28% | -0.03% | 2.29% | +278 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.41% | 0.22% | 0.23% | 0.19% | 0.47% | 0.20% | 0.19% | -4 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.16% | 0.10% | 0.12% | 0.07% | 0.02% | 0.02% | 0.00% | -12 bps | |
| Allowance / Loans | 1.07% | 1.05% | 1.06% | 1.07% | 0.92% | 0.95% | 0.95% | 0.99% | -9 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.6x | 4.8x | 4.6x | 4.9x | 2.0x | 4.8x | 5.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.65% | 8.86% | 7.84% | 8.64% | 8.93% | 9.00% | 9.03% | 9.10% | +47 bps | |
| Total Risk-Based Capital | 14.55% | 14.71% | 13.47% | 13.96% | 14.19% | 14.52% | 14.55% | 14.59% | +63 bps | |
| Equity / Assets | 6.01% | 5.88% | 6.37% | 7.00% | 7.34% | 7.46% | 7.54% | 7.65% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.09% | 75.78% | 73.71% | 75.72% | 76.18% | 74.42% | 74.63% | 75.81% | +8 bps | |
| Liquid Assets / Assets | 14.42% | 14.97% | 17.25% | 14.56% | 14.39% | 15.47% | 13.10% | 12.81% | -175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 217% | 214% | 217% | n/a | n/a | |