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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.13% | -3.78% | -1.35% | -0.61% | -0.34% | 1.27% | 1.24% | +259 bps | |
| Return on Equity | -1.52% | 2.30% | -61.72% | -21.12% | -9.26% | -4.93% | 16.90% | 16.36% | +3,748 bps | |
| Net Interest Margin | 2.63% | 2.64% | 2.81% | 3.08% | 3.15% | 3.18% | 3.30% | 3.31% | +23 bps | |
| Efficiency Ratio | 70.22% | 70.61% | 64.12% | 61.93% | 66.82% | 71.55% | 60.29% | 61.00% | -93 bps | |
| Non-Interest Burden | 2.80% | 2.52% | 1.55% | 1.60% | 1.91% | 2.07% | 1.63% | 1.64% | +4 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% | 0.15% | 0.10% | 0.11% | 0.10% | 0.08% | 0.02% | 0.01% | -10 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 | |