Bank of Hawaii: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Hawaii operates with a thinner capital cushion than most banks of its size. It reported $23.8 billion in assets at June 30, 2026. It funds 8.38% of its assets with Tier 1 capital, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 10.25%). On the other hand, it carries problem assets equal to 1.3% of the capital and reserves that would absorb them, about a third the median of 4.2% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $778 million equal 39% of Tier 1 capital, down from 47% a year earlier. Earnings jumped: net income for the quarter was $65 million, 35% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 2.74 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, Bank of Hawaii reported a CET1 capital ratio of 13.92%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.34%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 111 S King St, Honolulu, HI 96813
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1897
- Offices
- 52 domestic
- Employees (FTE)
- 1,910
- Domestic deposits
- $20.97B
- Allowance for credit losses
- $147.0M
- Net charge-offs (YTD)
- $4.5M
- Average total assets
- $23.99B
- Average total loans
- $14.07B
- Average interest-bearing deposits
- $15.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 10, 1959
- FDIC Cert
- 18053
- Fed RSSD
- 795968
- SEC CIK
- 46195 → filed by BANK OF HAWAII CORPORATION
- Website
- www.boh.com →
- Parent Holding Company
- BANK OF HAWAII CORPORATION (RSSD 1025309) · BOH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Peter S Ho | CEO | Chairman & CEO |
| James C Polk | PRES | President |
| Satenberg Bradley Steven | CFO | Vice Chair & CFO |
| Shairson Schaud Bradley | CRO | Vice Chair and CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Hawaii terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Hawaii, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Hawaii rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.92% | 1.08% | 0.22% | 1.34% | 2.74% |
| Q1 2026 | 13.89% | 0.97% | 0.20% | 1.36% | 2.68% |
| Q4 2025 | 13.89% | 1.01% | 0.22% | 1.41% | 2.58% |
| Q3 2025 | 13.75% | 0.90% | 0.46% | 1.55% | 2.42% |
| Q2 2025 | 13.49% | 0.80% | 0.46% | 1.71% | 2.33% |
| Q1 2025 | 13.16% | 0.75% | 0.45% | 1.46% | 2.26% |
| Q4 2024 | 13.16% | 0.65% | 0.45% | 1.65% | 2.13% |
| Q3 2024 | 13.25% | 0.70% | 0.46% | 1.64% | 2.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 52 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Hawaii (main office) | Honolulu , HI | 96813 | $6.58B |
| Waikiki Branch | Honolulu , HI | 96815 | $1.15B |
| Kahului Banking Center Branch | Kahului , HI | 96732 | $1.02B |
| Hilo Branch | Hilo , HI | 96720 | $995.0M |
| Waialae-Kahala Branch | Honolulu , HI | 96816 | $840.3M |
| Ala Moana Branch | Honolulu , HI | 96814 | $818.2M |
| Tamuning Branch | Tamuning , GU | 96913 | $723.3M |
| Pearlridge Branch | Aiea , HI | 96701 | $609.0M |
| Mapunapuna Branch | Honolulu , HI | 96819 | $527.4M |
| Kona Banking Center Branch | Kailua Kona , HI | 96740 | $475.5M |
| Iwilei Branch | Honolulu , HI | 96817 | $445.0M |
| Kailua Branch | Kailua , HI | 96734 | $428.2M |
| Lihue Branch | Lihue , HI | 96766 | $390.7M |
| Mililani Branch | Mililani , HI | 96789 | $372.0M |
| Kaimuki Branch | Honolulu , HI | 96816 | $319.9M |
| Hawaii Kai Branch | Honolulu , HI | 96825 | $309.4M |
| Manoa Branch | Honolulu , HI | 96822 | $300.4M |
| Koror Branch | Koror , PW | 96940 | $293.1M |
| Kihei Branch | Kihei , HI | 96753 | $292.0M |
| Kaneohe Branch | Kaneohe , HI | 96744 | $287.1M |
| Waimea Branch | Waimea , HI | 96743 | $258.2M |
| Ward Branch | Honolulu , HI | 96814 | $245.6M |
| Pearl City Branch | Pearl City , HI | 96782 | $240.9M |
| Waipahu Branch | Waipahu , HI | 96797 | $239.3M |
| Kapolei Branch | Kapolei , HI | 96707 | $238.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2002 | M&A | Acquired First Savings and Loan Association of America, a Federal Savings Association merger for the acquired bank | SEC |
| December 31, 2002 | Structure Change | Acquired First Savings and Loan Association of America, a Federal Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2001 | M&A | Acquired Pacific Century Bank, N.A. merger for the acquired bank | SEC |
| December 29, 2001 | Structure Change | Acquired Pacific Century Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2001 | M&A | Acquired Bank of Hawaii Credit Card, N.A. merger for the acquired bank | SEC |
| September 28, 2001 | Structure Change | Acquired Bank of Hawaii Credit Card, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 1998 | M&A | Acquired Realty and Mortgage Investors of the Pacific, Ltd. merger for the acquired bank | SEC |
| October 30, 1998 | Structure Change | Acquired Realty and Mortgage Investors of the Pacific, Ltd. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1998 | M&A | Acquired First Federal Savings and Loan Association of America merger for the acquired bank | SEC |
| September 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1998 | Structure Change | Acquired First Federal Savings and Loan Association of America Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1997 | M&A | Acquired Hawaiian Trust Company, Limited merger for the acquired bank | SEC |
| October 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1997 | Structure Change | Acquired Hawaiian Trust Company, Limited Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Bank of Hawaii, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 2 against individuals associated with it
- February 24, 2025, Federal Reserve: Civil Money Penalty: Bank of Hawaii, Honolulu, Hawaii
- Period: Most recent institution action February 24, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 34.3% of deposits in HI, rank 1 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,680 applications, 1,974 loans originated, $1.17B originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 58 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Hawaii
What are Bank of Hawaii's total assets?
As of the Q2 2026 filing, Bank of Hawaii reported total assets of $23.81 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Hawaii headquartered?
Bank of Hawaii is headquartered in Honolulu, HI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Hawaii founded?
Bank of Hawaii was established in 1897, per the FDIC institution directory.
Is Bank of Hawaii FDIC-insured?
Yes. Bank of Hawaii is an FDIC-insured commercial bank (FDIC Certificate #18053). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Hawaii?
Bank of Hawaii's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Hawaii's CET1 capital ratio?
Bank of Hawaii reported a Common Equity Tier 1 (CET1) capital ratio of 13.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Hawaii operate?
Bank of Hawaii operates 52 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Hawaii's Texas Ratio?
Bank of Hawaii's Texas Ratio is 1.34% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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