Bank of Hawaii
Honolulu, Hawaii, Honolulu County
$23.8B in total assets, the 94th largest of 4,309 US banks and 1st of 6 headquartered in Hawaii.
- FDIC certificate
- 18053
- Established
- 1897
- Owned by
- Bank Of Hawaii Corp
- Primary regulator
- FED
- Website
- www.boh.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 | $23.8B | 54% | $22.4B | |
| Loans | $14.3B | 49% | $14.5B | |
| Deposits | $21.0B | 58% | $18.0B | |
| Return on assets | 1.00% | 23% | 1.30% | |
| Net interest margin | 2.74% | 13% | 3.62% | |
| Efficiency ratio | 58.0% | 66% | 55.1% | |
| Equity to assets | 7.50% | 5% | 11.60% | |
| Loans to deposits | 68% | 13% | 87% |
Growth
Total assets grew 1.0% a year over the last 5 years and 4.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2002 | First Savings and Loan Association of America, F.S.A. Dededo, GU, an affiliate under the same holding company | $159M |
| Dec 2001 | Pacific Century Bank, National Association Los Angeles, CA, an affiliate under the same holding company | $204M |
| Sep 2001 | Bank of Hawaii Credit Card, National Association Phoenix, AZ, an affiliate under the same holding company | $310M |
| Sep 1998 | First Federal Savings and Loan Association of America Honolulu, HI, an affiliate under the same holding company | $1.2B |
| Apr 1989 | Bancorp Finance of Hawaii, Inc. Honolulu, HI, an affiliate under the same holding company | $100M |
Where they operate
52 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Honolulu County, HI | $14.7B | 32.0% | 2 of 13 |
| Maui County, HI | $2.2B | 45.1% | 1 of 7 |
| Hawaii County, HI | $2.0B | 43.1% | 1 of 8 |
| Guam County, GU | $910M | 19.4% | 3 of 4 |
| Kauai County, HI | $736M | 41.9% | 1 of 6 |
| Koror County, PW | $293M | 49.4% | 1 of 3 |
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 19 branches since 2016 (71 to 52, −26.8%). 6 opened, 0 acquired, 25 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 71 | |||
| 2016 | Opened KororClosed 3 in 3 states | 1 | 3 | −2 | 69 |
| 2019 | Opened HonoluluClosed Kailua and Pago Pago | 1 | 2 | −1 | 68 |
| 2020 | Opened HonoluluClosed 4 in Hawaii | 1 | 4 | −3 | 65 |
| 2021 | Opened Kailua-KonaClosed 12 in Hawaii | 1 | 12 | −11 | 54 |
| 2022 | Closed 3 in Hawaii | 0 | 3 | −3 | 51 |
| 2025 | Opened TamuningClosed Hagatna | 1 | 1 | 0 | 51 |
| 2026 through Q2 | Opened Dededo | 1 | 0 | +1 | 52 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 49% | 21% | |
| Commercial real estate | 20% | 25% | |
| Multifamily | 8% | 8% | |
| Consumer | 7% | 10% | |
| Business (C&I) | 5% | 17% | |
| Construction and land | 3% | 6% | |
| Other | 8% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 62% | |
| Noninterest-bearing | 27% | 20% | |
| Time deposits | 12% | 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 | 0.18% | 0.63% |
| Net charge-offs, annualized | 0.06% | 0.14% |
| Reserves to loans | 1.03% | 1.15% |
| Leverage ratio | 8.38% | 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/banks/bank-hawaii-honolulu-hi