Bank of Hawaii: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 41.0% in Q2 2026, from $3.6M to $5.1M. It was the largest change from Q1 2026 among the key lines here. Bank of Hawaii has the 2nd lowest loan-to-deposit ratio of the 6 banks headquartered in Hawaii, at 68.17% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Bank of Hawaii sits 18.66 points lower, at 68.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.29B |
| Net loans and leases | $14.14B |
| Loans held for sale | $5.1M |
| Loans to total assets | 60.03% |
| Loan-to-deposit ratio | 68.17% |
| Net loans to equity capital | 7.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.56% |
| Multifamily (5+ residential) | 8.28% |
| Commercial and industrial | 5.40% |
| Consumer | 7.21% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.47% |
| Construction concentration (Tier 1 capital + allowance) | 21.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.74% |
| Interest income on loans | $167.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $13.92B | $20.83B | 19.24% | 5.75% | 8.57% |
| Q4 2023 | $13.97B | $21.08B | 19.09% | 6.17% | 8.40% |
| Q1 2024 | $13.86B | $20.70B | 18.95% | 6.21% | 8.36% |
| Q2 2024 | $13.83B | $20.52B | 19.12% | 6.31% | 8.22% |
| Q3 2024 | $13.92B | $21.09B | 19.54% | 5.22% | 7.92% |
| Q4 2024 | $14.08B | $20.74B | 19.52% | 5.21% | 7.76% |
| Q1 2025 | $14.12B | $21.11B | 19.72% | 5.08% | 7.63% |
| Q2 2025 | $14.00B | $20.89B | 20.09% | 4.86% | 7.54% |
| Q3 2025 | $14.02B | $21.16B | 19.42% | 4.96% | 7.46% |
| Q4 2025 | $14.09B | $21.27B | 19.41% | 5.03% | 7.36% |
| Q1 2026 | $14.20B | $21.03B | 20.02% | 4.86% | 7.22% |
| Q2 2026 | $14.29B | $20.97B | 19.56% | 5.40% | 7.21% |
Bank of Hawaii loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hawaii, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Hawaii profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18053) · FFIEC NIC profile (RSSD 795968)