Bank Comparison
Bank of Hawaii vs First Hawaiian Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of Hawaii | First Hawaiian Bank |
|---|---|---|
| CET1 Ratio | 13.89% | 13.07% |
| Tier 1 Capital Ratio | 13.89% | 13.07% |
| Total Capital Ratio | 14.92% | 14.32% |
| Tier 1 Leverage Ratio | 8.31% | 9.17% |
| Equity / Assets | 7.40% | 11.37% |
Profitability
| Metric | Bank of Hawaii | First Hawaiian Bank |
|---|---|---|
| Return on Assets (ROA) | 0.97% | 1.15% |
| Return on Equity (ROE) | 13.31% | 10.11% |
| Net Interest Margin (NIM) | 2.68% | 3.13% |
| Yield on Earning Assets | 3.94% | 4.29% |
| Cost of Funds | 1.31% | 1.20% |
Asset quality
| Metric | Bank of Hawaii | First Hawaiian Bank |
|---|---|---|
| Texas Ratio | 2.25% | 2.52% |
| Non-Performing Loan Ratio | 0.20% | 0.31% |
| Non-Performing Asset Ratio | 0.12% | 0.18% |
| Net Charge-Off Ratio | 0.03% | 0.15% |
| ACL / Loans | 1.04% | 1.17% |
Balance sheet
| Metric | Bank of Hawaii | First Hawaiian Bank |
|---|---|---|
| Total Assets | $23,875M | $24,266M |
| Total Deposits | $21,033M | $20,790M |
| Total Loans | $14,196M | $14,440M |
| Total Equity | $1,766M | $2,759M |
| Net Income (quarter) | $58,547K | $69,723K |
Liquidity & funding
| Metric | Bank of Hawaii | First Hawaiian Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.49% | 69.46% |
| Core Deposit Ratio | 92.14% | 82.95% |
| Uninsured Deposit Ratio | 47.20% | 49.81% |
Identity
| Metric | Bank of Hawaii | First Hawaiian Bank |
|---|---|---|
| Headquarters City | HONOLULU | HONOLULU |
| Headquarters State | HI | HI |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 51 | 49 |
| Employees (FTE) | 1,866 | 1,986 |
| Established | Jan. 1, 1897, midnight | Jan. 1, 1858, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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