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Bank of Hawaii
Honolulu, HI·FDIC Cert #18053·Charter: STATE·Est. 18970101.0·HC: BANK OF HAWAII CORP
Total Assets
$24.1B
Q4 2025
Return on Assets
0.87%
+0.05%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.14%
Peer avg: 53.5%
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
0.87%+0.05
ROE
12.67%+0.51
Efficiency
60.14%-2.87
Equity/Assets
0.00%+0.00
NPL Ratio
0.19%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
65.54%-0.03
Charge-offs
0.10%+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 | 0.6 | 0.6 | 0.6 | 0.6 | 0.8 | 0.8 | 0.8 | 0.9 |
| ROE | 10.8 | 10.2 | 10.4 | 10.4 | 11.5 | 11.7 | 12.2 | 12.7 |
| Efficiency | 66.6 | 67.5 | 66.7 | 66.1 | 64.5 | 64.0 | 63.0 | 60.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 66.2 | 66.7 | 65.3 | 67.2 | 66.2 | 66.3 | 65.6 | 65.5 |
Balance Sheet
Total Assets$24.1B
Total Deposits$21.3B
Total Loans$13.9B
Total Equity$1.8B
Profitability
ROA0.87%
ROE12.67%
Efficiency Ratio60.14%
Net Income$207.8M
Risk & Asset Quality
NPL Ratio0.19%
Charge-off Rate0.10%
Loan/Deposit65.54%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans