Bank of Hawaii: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 49.14 percentage points in Q2 2026, from 513.39% to 464.25%. It was the largest change from Q1 2026 among the key lines here. Bank of Hawaii has the 2nd lowest return on assets of the 6 banks headquartered in Hawaii, at 1.08% as of Q2 2026. Bank of Hawaii reported 1.08% on return on assets for Q2 2026, 0.22 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.92% |
| Tier 1 risk-based capital ratio | 13.92% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 8.38% |
| Equity capital to assets | 7.50% |
| Tangible equity to tangible assets | 7.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 2.40% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 464.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 14.53% |
| Net interest margin | 2.74% |
| Efficiency ratio | 56.16% |
| Yield on earning assets | 4.03% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.17% |
| Core deposits to total deposits | 93.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.06% |
| Securities to assets | 32.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.32% | 12.32% | 13.36% | 7.09% | 0.79% |
| Q4 2023 | 12.33% | 12.33% | 13.38% | 7.38% | 0.51% |
| Q1 2024 | 12.51% | 12.51% | 13.57% | 7.47% | 0.63% |
| Q2 2024 | 13.15% | 13.15% | 14.21% | 7.89% | 0.60% |
| Q3 2024 | 13.25% | 13.25% | 14.31% | 7.90% | 0.70% |
| Q4 2024 | 13.16% | 13.16% | 14.20% | 7.83% | 0.65% |
| Q1 2025 | 13.16% | 13.16% | 14.21% | 7.90% | 0.75% |
| Q2 2025 | 13.49% | 13.49% | 14.54% | 8.05% | 0.80% |
| Q3 2025 | 13.75% | 13.75% | 14.80% | 8.08% | 0.90% |
| Q4 2025 | 13.89% | 13.89% | 14.94% | 8.21% | 1.01% |
| Q1 2026 | 13.89% | 13.89% | 14.92% | 8.31% | 0.97% |
| Q2 2026 | 13.92% | 13.92% | 14.96% | 8.38% | 1.08% |
Bank of Hawaii vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hawaii, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)