First Hawaiian Bank: 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.
Cre concentration (tier 1 capital + allowance) dropped 3.25 percentage points in Q2 2026, from 194.56% to 191.32%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Hawaiian Bank is 3rd from the bottom among 6 Hawaii banks, 72.29% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. First Hawaiian Bank sits 14.54 points lower, at 72.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.58B |
| Net loans and leases | $14.41B |
| Loans held for sale | $0 |
| Loans to total assets | 61.64% |
| Loan-to-deposit ratio | 72.29% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.00% |
| Multifamily (5+ residential) | 6.66% |
| Commercial and industrial | 13.58% |
| Consumer | 6.41% |
| Credit cards | 1.56% |
| Farm | 0.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.32% |
| Construction concentration (Tier 1 capital + allowance) | 31.05% |
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 | 5.29% |
| Interest income on loans | $187.2M |
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 | $14.33B | $21.53B | 23.22% | 13.07% | 7.23% |
| Q4 2023 | $14.35B | $21.35B | 23.12% | 13.64% | 6.94% |
| Q1 2024 | $14.32B | $20.68B | 22.82% | 13.54% | 6.57% |
| Q2 2024 | $14.36B | $20.33B | 22.90% | 13.47% | 6.36% |
| Q3 2024 | $14.24B | $20.24B | 22.90% | 12.93% | 6.42% |
| Q4 2024 | $14.41B | $20.34B | 23.73% | 13.27% | 6.31% |
| Q1 2025 | $14.29B | $20.23B | 23.43% | 13.36% | 6.23% |
| Q2 2025 | $14.35B | $20.25B | 23.49% | 14.15% | 6.21% |
| Q3 2025 | $14.13B | $20.75B | 24.16% | 12.16% | 6.36% |
| Q4 2025 | $14.31B | $20.53B | 24.13% | 12.72% | 6.42% |
| Q1 2026 | $14.44B | $20.79B | 24.38% | 12.93% | 6.41% |
| Q2 2026 | $14.58B | $20.17B | 25.00% | 13.58% | 6.41% |
First Hawaiian Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hawaiian Bank, 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 First Hawaiian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17985) · FFIEC NIC profile (RSSD 980661)