Bank of Hawaii: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged up by 1.8%, from $71.2M to $72.5M, the largest move among the key lines here. On net interest margin, Bank of Hawaii is 2nd from the bottom among 6 Hawaii banks, 2.74% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Bank of Hawaii sits 0.86 points lower, at 2.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.03% |
| Yield on loans | 4.74% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.74% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $167.0M |
| Total interest expense | $72.5M |
| Interest expense on deposits | $65.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.68% | 1.63% | 2.11% | 4.38% | 2.31% |
| Q4 2023 | 3.78% | 1.75% | 2.09% | 4.58% | 2.34% |
| Q1 2024 | 3.83% | 1.79% | 2.08% | 4.63% | 2.30% |
| Q2 2024 | 3.90% | 1.86% | 2.11% | 4.75% | 2.30% |
| Q3 2024 | 3.94% | 1.93% | 2.08% | 4.74% | 2.37% |
| Q4 2024 | 3.89% | 1.83% | 2.13% | 4.72% | 2.31% |
| Q1 2025 | 3.84% | 1.64% | 2.26% | 4.64% | 2.33% |
| Q2 2025 | 3.93% | 1.65% | 2.33% | 4.75% | 2.41% |
| Q3 2025 | 4.03% | 1.67% | 2.42% | 4.85% | 2.51% |
| Q4 2025 | 4.03% | 1.51% | 2.58% | 4.80% | 2.63% |
| Q1 2026 | 3.94% | 1.32% | 2.68% | 4.67% | 2.65% |
| Q2 2026 | 4.03% | 1.34% | 2.74% | 4.74% | 2.73% |
Bank of Hawaii yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hawaii, freeSource: Call Report Schedules RI and RC-K, 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)