First Hawaiian Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Hawaiian Bank, based in Honolulu, Hawaii, reported $23.6 billion in assets at June 30, 2026. It pays an average of 1.05% on its deposits and borrowings, about half the median of 1.92% for the 127 banks with $10 billion to $100 billion in assets. It also lost 0.4% of its deposits over the year, lower than about three-quarters of banks its size (median 5.7%).
Unrealized losses on its securities total $557 million, equal to 26% of Tier 1 capital, against 30% a year earlier.
As of June 30, 2026, First Hawaiian Bank reported a CET1 capital ratio of 13.23%, a return on assets of 1.32%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.19%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 999 Bishop St, Honolulu, HI 96813
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1858
- Former names
- First National Bank of Hawaii (1960)
- Offices
- 49 domestic
- Employees (FTE)
- 1,995
- Domestic deposits
- $17.84B
- Allowance for credit losses
- $168.1M
- Net charge-offs (YTD)
- $9.0M
- Average total assets
- $24.14B
- Average total loans
- $14.05B
- Average interest-bearing deposits
- $16.93B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 13, 1959
- FDIC Cert
- 17985
- Fed RSSD
- 980661
- SEC CIK
- 36377 → filed by FIRST HAWAIIAN, INC.
- Website
- www.fhb.com →
- Parent Holding Company
- FIRST HAWAIIAN, INC. (RSSD 1025608) · FHB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Robert S Harrison | CEO | CHAIRMAN, PRESIDENT AND CEO |
| James M Moses | CFO | VICE CH & CHIEF FINANCIAL OFCR |
| Christopher L Dods | COO | VICE CH & CHIEF OPERATING OFCR |
| Lea M. Nakamura | CRO | EVP & CHIEF RISK OFFICER |
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 First Hawaiian Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Hawaiian Bank, 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 worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Hawaiian Bank 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 | 13.23% | 1.32% | 0.29% | 2.19% | 3.22% |
| Q1 2026 | 13.07% | 1.15% | 0.31% | 2.27% | 3.13% |
| Q4 2025 | 13.10% | 1.19% | 0.38% | 2.29% | 3.20% |
| Q3 2025 | 13.16% | 1.25% | 0.34% | 1.94% | 3.17% |
| Q2 2025 | 12.96% | 1.24% | 0.33% | 1.78% | 3.07% |
| Q1 2025 | 12.87% | 1.02% | 0.28% | 1.35% | 3.01% |
| Q4 2024 | 12.71% | 0.90% | 0.20% | 1.49% | 3.00% |
| Q3 2024 | 12.94% | 1.04% | 0.17% | 1.23% | 2.92% |
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 49 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Hawaiian Bank (main office) | Honolulu , HI | 96813 | $8.55B |
| Maite Banking Center Branch | Mongmong , GU | 96910 | $1.40B |
| Waikiki Banking Center | Honolulu , HI | 96815 | $602.8M |
| Kapiolani Banking Region | Honolulu , HI | 96814 | $502.3M |
| Kahului Banking Center | Kahului , HI | 96732 | $379.0M |
| Oleai Branch | Saipan , MP | 96950 | $376.7M |
| University Banking Center Branch | Honolulu , HI | 96826 | $373.9M |
| Kahala Banking Center | Honolulu , HI | 96816 | $353.3M |
| Moanalua Banking Center | Honolulu , HI | 96819 | $317.6M |
| Pearlridge Banking Region Branch | Aiea , HI | 96701 | $310.4M |
| Kona Banking Center | Kailua Kona , HI | 96740 | $309.8M |
| Makiki Banking Center | Honolulu , HI | 96814 | $304.4M |
| Hawaii Kai Branch | Honolulu , HI | 96825 | $284.5M |
| Kailua Banking Center | Kailua , HI | 96734 | $280.4M |
| Dededo Branch | Dededo , GU | 96929 | $279.1M |
| Hilo Branch | Hilo , HI | 96720 | $278.5M |
| Manoa Branch | Honolulu , HI | 96822 | $268.1M |
| Tamuning Branch | Tamuning , GU | 96913 | $265.5M |
| Mililani Banking Center | Mililani , HI | 96789 | $253.9M |
| Liliha Branch | Honolulu , HI | 96817 | $253.7M |
| Kaneohe Branch | Kaneohe , HI | 96744 | $247.6M |
| Aina Haina Banking Center | Honolulu , HI | 96821 | $239.9M |
| Kapahulu Branch | Honolulu , HI | 96815 | $236.8M |
| Kalihi Banking Center | Honolulu , HI | 96819 | $224.0M |
| Pearl City Branch | Pearl City , HI | 96782 | $212.3M |
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 |
|---|---|---|---|
| July 1, 2005 | M&A | Acquired First Hawaiian Insurance, Inc. merger for the acquired bank | SEC |
| July 1, 2005 | Structure Change | Acquired First Hawaiian Insurance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2004 | M&A | Acquired FH Center, Inc. merger for the acquired bank | SEC |
| May 1, 2004 | Structure Change | Acquired FH Center, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2004 | M&A | Acquired FHB Properties, Inc. merger for the acquired bank | SEC |
| March 8, 2004 | Structure Change | Acquired FHB Properties, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 14, 2000 | M&A | Acquired Standard Financial Corp. sale_of_assets for the acquired bank | SEC |
| April 14, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 14, 2000 | Structure Change | Acquired Standard Financial Corp. Sale of Assets for the acquired bank | FFIEC NIC |
| June 20, 1998 | M&A | Acquired First Hawaiian Creditcorp, Inc. merger for the acquired bank | SEC |
| June 20, 1998 | Structure Change | Acquired First Hawaiian Creditcorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 19, 1997 | M&A | Acquired Pioneer Federal Savings Bank merger for the acquired bank | SEC |
| April 19, 1997 | Structure Change | Acquired Pioneer Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 3, 1992 | M&A | Acquired Eastwest Bank, N.A. failure_government_assistance_provided for the acquired bank | SEC |
| October 3, 1992 | Structure Change | Acquired Eastwest Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 2, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 1992 | M&A | Acquired First Interstate Bank of Hawaii merger for the acquired bank | SEC |
| February 15, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 1992 | Structure Change | Acquired First Interstate Bank of Hawaii Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 26, 1966 | M&A | Acquired Cooke Trust Company merger for the acquired bank | SEC |
| July 26, 1966 | Structure Change | Acquired Cooke Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Hawaiian Bank, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 31.2% of deposits in HI, rank 2 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,784 applications, 1,588 loans originated, $621.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $630K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 52 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 First Hawaiian Bank
What are First Hawaiian Bank's total assets?
As of the Q2 2026 filing, First Hawaiian Bank reported total assets of $23.65 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Hawaiian Bank headquartered?
First Hawaiian Bank is headquartered in Honolulu, HI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Hawaiian Bank founded?
First Hawaiian Bank was established in 1858, per the FDIC institution directory.
Is First Hawaiian Bank FDIC-insured?
Yes. First Hawaiian Bank is an FDIC-insured commercial bank (FDIC Certificate #17985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Hawaiian Bank?
First Hawaiian Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Hawaiian Bank's CET1 capital ratio?
First Hawaiian Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Hawaiian Bank operate?
First Hawaiian Bank operates 49 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Hawaiian Bank's Texas Ratio?
First Hawaiian Bank's Texas Ratio is 2.19% 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.
What was First Hawaiian Bank previously called?
The charter now named First Hawaiian Bank has also operated as First National Bank of Hawaii (1960), per FDIC structure-change records.
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