First Hawaiian Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Hawaiian Bank of Honolulu, HI against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.39% | -0.07% | 53rd above |
| ROAE Behind the peer average, ahead of the median peer. | 11.41% | 12.24% | -0.83% | 53rd above |
| Net Interest Margin | 3.22% | 3.82% | -0.60% | 28th below |
| Efficiency Ratio | 53.29% | 54.24% | -0.95% | 54th above |
| PPNR / Avg Assets | 1.78% | 2.04% | -0.26% | 49th below |
| Yield on Earning Assets | 4.37% | 5.72% | -1.35% | 7th bottom |
| Cost of Funds | 1.05% | 2.03% | -0.98% | 95th top |
| Net Interest Spread | 2.62% | 3.13% | -0.51% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.99% | -0.70% | 89th top |
| NPA / Total Assets | 0.18% | 0.72% | -0.54% | 89th top |
| NCO / Avg Loans | 0.12% | 0.33% | -0.21% | 52nd above |
| ACL / Total Loans | 1.15% | 1.39% | -0.24% | 48th below |
| ACL / NPLs (Coverage) | 395.23% | 234.04% | +161.19% | 91st top |
| Texas Ratio | 2.34% | 8.92% | -6.58% | 87th top |
| Provision / NCO | 95.44% | 123.51% | -28.07% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.23% | 15.67% | -2.44% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.23% | 15.80% | -2.57% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.48% | 16.92% | -2.44% | 58th above |
| Leverage Ratio | 9.44% | 10.51% | -1.07% | 27th below |
| Equity / Assets | 11.92% | 11.71% | +0.21% | 60th above |
| TCE / Tangible Assets | 8.05% | 9.74% | -1.69% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.29% | 84.67% | -12.38% | 83rd top |
| Core Deposit Ratio | 82.87% | 86.64% | -3.77% | 25th below |
| Uninsured Deposit Ratio | 48.40% | 36.75% | +11.65% | 23rd bottom |
| Wholesale Funding Ratio | 0.09% | 5.88% | -5.79% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.80% | 12.02% | -12.82% | 13th bottom |
| Loan Growth (Y/Y) | 1.57% | 11.43% | -9.86% | 19th bottom |
| Deposit Growth (Y/Y) | -0.40% | 11.42% | -11.82% | 16th bottom |
See First Hawaiian Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Hawaiian Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Hawaiian Bank profile, how to read a UBPR, or how this data updates.