First Hawaiian Bank
Honolulu, Hawaii, Honolulu County
$23.6B in total assets, the 95th largest of 4,309 US banks and 2nd of 6 headquartered in Hawaii.
- FDIC certificate
- 17985
- Established
- 1858
- Owned by
- First Hawaiian Inc
- Primary regulator
- FDIC
- Website
- www.fhb.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $23.6B | 53% | $22.4B | |
| Loans | $14.6B | 51% | $14.4B | |
| Deposits | $20.2B | 56% | $18.0B | |
| Return on assets | 1.24% | 44% | 1.30% | |
| Net interest margin | 3.22% | 27% | 3.62% | |
| Efficiency ratio | 55.2% | 52% | 55.1% | |
| Equity to assets | 11.92% | 60% | 11.57% | |
| Loans to deposits | 72% | 18% | 87% |
Growth
Total assets grew -0.5% a year over the last 5 years and 2.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2000 | Standard Financial Corp. Honolulu, HI | $21M |
| Jun 1998 | First Hawaiian Creditcorp, Inc. Honolulu, HI, an affiliate under the same holding company | $416M |
| Apr 1997 | Pioneer Federal Savings Bank Honolulu, HI, an affiliate under the same holding company | $768M |
| Oct 1992 | Eastwest Bank, National Association Kihei, HI | $4M |
| Feb 1992 | First Interstate Bank of Hawaii Honolulu, HI, an affiliate under the same holding company | $712M |
Where they operate
49 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Honolulu County, HI | $15.0B | 32.6% | 1 of 13 |
| Guam County, GU | $1.9B | 41.6% | 1 of 4 |
| Hawaii County, HI | $1.2B | 25.5% | 2 of 8 |
| Maui County, HI | $1.1B | 22.1% | 2 of 7 |
| Kauai County, HI | $626M | 35.7% | 2 of 6 |
| Mariana Islands County, MP | $377M | 100.0% | 1 of 1 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 13 branches since 2016 (62 to 49, −21.0%). 1 opened, 0 acquired, 14 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 62 | |||
| 2018 | Closed Honokaa and Schofield Barracks | 0 | 2 | −2 | 60 |
| 2019 | Closed Eleele and Honolulu | 0 | 2 | −2 | 58 |
| 2020 | Closed 4 in Hawaii | 0 | 4 | −4 | 54 |
| 2021 | Closed 3 in Hawaii | 0 | 3 | −3 | 51 |
| 2023 | Closed Lahaina | 0 | 1 | −1 | 50 |
| 2024 | Closed Lanai City and Saipan | 0 | 2 | −2 | 48 |
| 2025 | Opened Lahaina | 1 | 0 | +1 | 49 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 34% | 21% | |
| Commercial real estate | 25% | 25% | |
| Business (C&I) | 14% | 17% | |
| Multifamily | 6% | 8% | |
| Consumer | 6% | 10% | |
| Construction and land | 5% | 6% | |
| Other | 9% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 62% | |
| Noninterest-bearing | 32% | 20% | |
| Time deposits | 14% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.30% | 0.63% |
| Net charge-offs, annualized | 0.13% | 0.14% |
| Reserves to loans | 1.15% | 1.14% |
| Leverage ratio | 9.44% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Hawaii
Largest competitors in Honolulu County, HI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-hawaiian