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Profitability · Hawaii

Most Efficient US Banks (Lowest Efficiency Ratio) in Hawaii

Ranked among banks headquartered in Hawaii. Re-ranked 1-7 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): FIRST HAWAIIAN BANK — 56.29% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 7 banks with reported data Showing: Top 7 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 First Hawaiian Bank Honolulu , HI 56.29% $24.27B
2 Central Pacific Bank Honolulu , HI 57.84% $7.49B
3 Bank of Hawaii Honolulu , HI 59.72% $23.88B
4 American Savings Bank, N.A. Honolulu , HI 60.29% $9.04B
5 Hawaii National Bank Honolulu , HI 73.48% $883.5M
6 Finance Factors, Limited Honolulu , HI 136.26% $669.4M
7 Territorial Savings Bank Honolulu , HI 249.60% $2.11B

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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