First Hawaiian Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.48% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.48% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.23% +6.73 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.18B | 2,183,260 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.50B | 16,498,440 | RCFAA223 |
| Recomputed ratio | 13.23% | numerator / denominator | |
| Filed ratio | 13.23% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.73 pp | $1.11B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.23% +5.23 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.18B | 2,183,260 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.50B | 16,498,440 | RCFAA223 |
| Recomputed ratio | 13.23% | numerator / denominator | |
| Filed ratio | 13.23% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.23 pp | $863.4M | capital that could be lost first |
Total risk-based capital ratio 14.48% +4.48 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.39B | 2,388,988 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.50B | 16,498,440 | RCFAA223 |
| Recomputed ratio | 14.48% | numerator / denominator | |
| Filed ratio | 14.48% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.48 pp | $739.1M | capital that could be lost first |
Tier 1 leverage ratio 9.44% +4.43 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.18B | 2,183,260 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $23.14B | 23,139,921 | RCFAA224 |
| Recomputed ratio | 9.44% | numerator / denominator | |
| Filed ratio | 9.44% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.43 pp | $1.03B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,742,982 | 1,739,155 | 1,735,329 | 1,731,229 | 1,727,280 | 1,723,897 | RCFAP742 |
| Retained earnings | 1,436,825 | 1,392,737 | 1,390,018 | 1,378,711 | 1,363,901 | 1,348,947 | RCFAKW00 |
| Accumulated other comprehensive income | (359,795) | (372,749) | (368,142) | (388,156) | (407,015) | (433,776) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,820,012 | 2,759,143 | 2,757,205 | 2,721,784 | 2,684,166 | 2,639,068 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (636,752) | (627,177) | (627,350) | (608,846) | (589,502) | (564,866) | P859 - P840 |
| Common equity Tier 1 capital | 2,183,260 | 2,131,966 | 2,129,855 | 2,112,938 | 2,094,664 | 2,074,202 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 2,183,260 | 2,131,966 | 2,129,855 | 2,112,938 | 2,094,664 | 2,074,202 | RCFA8274 |
| Tier 2 capital | 205,728 | 203,907 | 203,294 | 200,634 | 201,172 | 199,959 | RCFA5311 |
| Allowance includable in Tier 2 capital | 205,728 | 203,907 | 203,294 | 200,634 | 201,172 | 199,959 | RCFA5310 |
| Total capital | 2,388,988 | 2,335,873 | 2,333,149 | 2,313,572 | 2,295,836 | 2,274,161 | RCFA3792 |
| Total risk-weighted assets | 16,498,440 | 16,312,190 | 16,262,626 | 16,049,897 | 16,158,171 | 16,120,214 | RCFAA223 |
| Average total assets for the leverage ratio | 23,139,921 | 23,245,669 | 23,106,510 | 23,196,500 | 23,085,229 | 23,138,297 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.01B | $26.6M | 2.63% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $5.69B | $804.6M | 14.15% | 4.88% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $5.27B | $3.02B | 57.35% | 18.33% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $11.8M | $17.7M | 150.00% | 0.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $9.29B | $9.29B | 99.99% | 56.32% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.27B | $1.26B | 99.14% | 7.62% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.69B | $1.67B | 98.64% | 10.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $48.8M | $9.8M | 20.00% | 0.06% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $401.1M | NA | 2.43% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $16.10B | ties to item 31 ($16.10B) |
|---|---|---|
| Risk-weighted assets before deductions | $16.50B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $16.50B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.23% | 13.23% | 14.48% | 9.44% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.07% | 13.07% | 14.32% | 9.17% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.10% | 13.10% | 14.35% | 9.22% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.16% | 13.16% | 14.41% | 9.11% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.96% | 12.96% | 14.21% | 9.07% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.87% | 12.87% | 14.11% | 8.96% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.71% | 12.71% | 13.90% | 9.08% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 12.94% | 12.94% | 14.16% | 9.08% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.66% | 12.66% | 13.85% | 8.98% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.48% | 12.48% | 13.67% | 8.75% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.30% | 12.30% | 13.48% | 8.57% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.12% | 12.12% | 13.30% | 8.39% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Hawaiian Bank (this bank) | Risk-based | 13.23% | 13.23% | 14.48% | 9.44% | |
| Bank of Hawaii | $23.81B | Risk-based | 13.92% | 13.92% | 14.96% | 8.38% |
| OceanFirst Bank, N.A. | $23.17B | Risk-based | 12.96% | 12.96% | 13.91% | 12.62% |
| TriState Capital Bank | $24.26B | Risk-based | 18.45% | 18.45% | 19.10% | 7.41% |
| Centennial Bank | $24.55B | Risk-based | 14.83% | 14.83% | 16.09% | 12.61% |
| Cathay Bank | $24.64B | Risk-based | 13.98% | 13.98% | 15.16% | 11.52% |
| TowneBank | $22.62B | Risk-based | 12.16% | 12.20% | 14.63% | 10.00% |
| Wilmington Savings Fund Society, FSB | $22.57B | Risk-based | 13.77% | 13.77% | 14.94% | 10.36% |
| Simmons Bank | $24.73B | Risk-based | 10.44% | 10.44% | 11.69% | 9.18% |
| First Financial Bank | $22.35B | Risk-based | 12.77% | 12.78% | 14.05% | 9.78% |
| Rockland Trust Company | $24.97B | Risk-based | 14.86% | 14.86% | 15.85% | 11.83% |
| Peer 25th percentile | 12.82% | 12.82% | 14.20% | 9.33% | ||
| Peer median | 13.85% | 13.85% | 14.95% | 10.18% | ||
| Peer 75th percentile | 14.62% | 14.62% | 15.68% | 11.75% | ||
| This bank's percentile | 40 | 40 | 30 | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/980661/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.