First Hawaiian Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.58 percentage points in Q2 2026, from 381.65% to 395.23%. It was the largest change from Q1 2026 among the key lines here. Among 6 Hawaii banks, First Hawaiian Bank sits 2nd from the top on return on assets, 1.32% as of Q2 2026. At 1.32%, First Hawaiian Bank's return on assets is close to the 1.30% median for banks in the $10B-100B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.23% |
| Tier 1 risk-based capital ratio | 13.23% |
| Total risk-based capital ratio | 14.48% |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 11.92% |
| Tangible equity to tangible assets | 8.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 2.34% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 395.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 11.41% |
| Net interest margin | 3.22% |
| Efficiency ratio | 53.29% |
| Yield on earning assets | 4.37% |
| Cost of funds | 1.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.29% |
| Core deposits to total deposits | 82.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.27% |
| Securities to assets | 23.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.12% | 12.12% | 13.30% | 8.39% | 0.95% |
| Q4 2023 | 12.30% | 12.30% | 13.48% | 8.57% | 0.79% |
| Q1 2024 | 12.48% | 12.48% | 13.67% | 8.75% | 0.92% |
| Q2 2024 | 12.66% | 12.66% | 13.85% | 8.98% | 1.05% |
| Q3 2024 | 12.94% | 12.94% | 14.16% | 9.08% | 1.04% |
| Q4 2024 | 12.71% | 12.71% | 13.90% | 9.08% | 0.90% |
| Q1 2025 | 12.87% | 12.87% | 14.11% | 8.96% | 1.02% |
| Q2 2025 | 12.96% | 12.96% | 14.21% | 9.07% | 1.24% |
| Q3 2025 | 13.16% | 13.16% | 14.41% | 9.11% | 1.25% |
| Q4 2025 | 13.10% | 13.10% | 14.35% | 9.22% | 1.19% |
| Q1 2026 | 13.07% | 13.07% | 14.32% | 9.17% | 1.15% |
| Q2 2026 | 13.23% | 13.23% | 14.48% | 9.44% | 1.32% |
First Hawaiian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hawaiian Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)