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First Hawaiian Bank
Honolulu, HI·FDIC Cert #17985·Charter: STATE·Est. 18580101.0·HC: FIRST HAWAIIAN INC
Total Assets
$24.0B
Q4 2025
Return on Assets
1.19%
+0.00%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.64%
Peer avg: 53.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.19%+0.00
ROE
10.60%-0.03
Efficiency
55.64%-0.42
Equity/Assets
0.00%+0.00
NPL Ratio
0.31%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
68.89%+1.58
Charge-offs
0.11%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 |
| ROE | 9.0 | 9.6 | 9.6 | 9.3 | 9.4 | 10.3 | 10.6 | 10.6 |
| Efficiency | 61.5 | 60.0 | 59.1 | 58.5 | 57.5 | 56.9 | 56.1 | 55.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 68.5 | 69.8 | 69.5 | 70.0 | 69.8 | 70.1 | 67.3 | 68.9 |
Balance Sheet
Total Assets$24.0B
Total Deposits$20.5B
Total Loans$14.1B
Total Equity$2.8B
Profitability
ROA1.19%
ROE10.60%
Efficiency Ratio55.64%
Net Income$284.1M
Risk & Asset Quality
NPL Ratio0.31%
Charge-off Rate0.11%
Loan/Deposit68.89%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans