First Hawaiian Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.22%. On net interest margin, First Hawaiian Bank is 3rd from the bottom among 6 Hawaii banks, 3.22% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. First Hawaiian Bank sits 0.38 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 5.29% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 3.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $187.2M |
| Total interest expense | $61.4M |
| Interest expense on deposits | $53.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.30% | 1.19% | 2.82% | 5.43% | 1.99% |
| Q4 2023 | 4.38% | 1.41% | 2.77% | 5.49% | 2.09% |
| Q1 2024 | 4.52% | 1.47% | 2.85% | 5.60% | 1.98% |
| Q2 2024 | 4.56% | 1.53% | 2.85% | 5.65% | 1.99% |
| Q3 2024 | 4.65% | 1.55% | 2.92% | 5.77% | 1.92% |
| Q4 2024 | 4.52% | 1.37% | 3.00% | 5.58% | 1.97% |
| Q1 2025 | 4.41% | 1.25% | 3.01% | 5.39% | 2.02% |
| Q2 2025 | 4.44% | 1.23% | 3.07% | 5.43% | 1.99% |
| Q3 2025 | 4.53% | 1.23% | 3.17% | 5.55% | 2.05% |
| Q4 2025 | 4.44% | 1.12% | 3.20% | 5.42% | 2.13% |
| Q1 2026 | 4.29% | 1.05% | 3.13% | 5.24% | 2.10% |
| Q2 2026 | 4.37% | 1.05% | 3.22% | 5.29% | 2.17% |
First Hawaiian Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hawaiian Bank, freeSource: Call Report Schedules RI and RC-K, 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)