# FIRST HAWAIIAN BANK
HONOLULU, HI · FDIC certificate 17985 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $23.65B | |
| Deposits | $20.17B | |
| Loans and leases | $14.58B | |
| Total equity | $2.82B | |
| Loans / deposits | 71.46% (p19 of band) | 85.78% |
| Liquid assets / assets | 27.57% (p68 of band) | |
| Uninsured deposits / deposits | 48.40% (p78 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.09% (p7 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.44% (p31 of band) | 10.17% |
| Unrealized securities loss / equity | -19.78% (p13 of band) | -7.43% |
| AOCI / equity | 0.30% (p91 of band) | |
| ROA (annualized) | 1.25% (p53 of band) | 1.24% |
| Net interest margin | 3.22% (p31 of band) | 3.57% |
| Efficiency ratio | 55.21% (p54 of band) | |
| Noncurrent loans | 0.30% (p16 of band) | 0.66% |
| Net charge-offs (annualized) | 0.08% (p50 of band) | |
| Reserve coverage of noncurrent | 385.35% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 25.89% (p46 of band) | |
| Auto loans | $630.6M (4.33% of loans; DQ 1.85%, NCO 0.01%) | |
| Loans to nondepository financials | $109.8M (4% of equity) (p41 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 1995 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits >50% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | capital falling, deposits shrinking |  |
| 2018-12 | 1 |  | capital falling, deposits shrinking |
| 2019-03 | 0 |  | uninsured deposits >50% |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | uninsured deposits >50%, capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 3 | NIM <2.5% |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | uninsured deposits >50% |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | deposits shrinking | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | deposits shrinking |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | uninsured deposits >50% |  |
| 2025-12 | 0 |  | uninsured deposits >50% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Hurricane Lowell forces bank closures across Kauai, parts of Oahu and Maui - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOHpZMHpzaEtzd0pINmVDaURpQ1l0VTh1TWVlb3F5MUgxTUtTWHRxMEtsci1sNm1lWHBqZmViWkJPeDM4SmV6eXBYMFNhcER6Z1NjVDlmaFctaXlMSWZ0MGVXYl9hN05DdXpXUmEzeHhyYVhZMWlXRzQ3T19hYUxzeTFsS3NLVVFwMFZDS1RucnA2d2k3eTVJQw?oc=5) · The Business Journals
- 2026-08-27 [Mānoa: First Hawaiian Bank announced as jersey patch sponsor for UH women’s volleyball, men’s basketball - University of Hawaii System](https://news.google.com/rss/articles/CBMiXkFVX3lxTFByd1NXb0xreFUzREVwZm9aSGc1eWxsQWFidU5XSXVrQXU2b0trZzE2SEJMbHc5ZXRoUnRSM3dSRE11N1l4b3YzdUY2MjcxUzktZ0Y3dWVhWjhTUXpGb0E?oc=5) · University of Hawaii System
- 2026-07-13 [TriCo, First Hawaiian merge in $2B deal | Tri Counties Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV0NtV3R0TTdlVS1iVVkxcG1LV3JYRGcyMFBXNzAzcnk4NUh3VFBZTmlZWEl3alUtbm9VcGU2UEVxQlRtZ2FTX0Yxb3ptb3EzN1FVa0pZcG9MOG1qaU9za2RXQUpDSncyV2ZPOUV1ek82X25Fai1iWGMyRWJneXZVUldMWFQ4Q3JNUkZSVHpjSnRMQQ?oc=5) · thebusinessjournal.com
- 2026-08-31 [Master last minute travel with Kai Lenny and First Hawaiian Bank Priority Destinations - Hawaii News Now](https://news.google.com/rss/articles/CBMiygFBVV95cUxNSGtTd0tyYlVpaWR2RktRMGkyQ1oxTmhwRlQ2c0VvTmtKeVdxcUVLcU53N1JTbW1OVWxYaGN0cm1md3BDUFYxV0lTWDQtbTQzMDBCdDZRV21fdnpKdDI4MFhlcFNEemdmR0tmUzFYNkpScnlKZkVYU2dKZ19yVDdxSGxoQkh1ODNIbTQ4N0dYT3FvWHNYNkpkT1JpOWJRbnN2aW41b1BoMVZuSXdabjdCYzNReEtENlZfbm5GbEVwdTdRTWczRGpZa3BB?oc=5) · Hawaii News Now
- 2026-07-17 [Tri Counties Bank says Aloha to First Hawaiian Bank - Mid Valley Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxQd1p0MEQ4YndSTWdiNjRMTFJDeC1ZTVNFeV9MRGpzcXpfYkJBTnpCM0tHX0g0dHBQNmdaNWlEdVJYb0hieHpkVzZmaTVJbmoyTVVZcXVmSFdxMV9jRkRjSzczQXFzcFVBVEVHaUlvOGQza0ZmNVZmSE9kT0FzajBPcEJRbHRnTzBYV2xtUUdnZlRZUUlaVV84cG5ZUGtwbGhkZjN6VmVB?oc=5) · Mid Valley Times
- 2026-07-14 [First Hawaiian to buy California’s TriCo in $2B deal - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZF9pUEliX28zN3ZqSElLMDV2TW92NDRjRVRTUkVJWFhaZ1c1ejNWYUlMNURnbnozbmUxb2VYRWM3ZHBQVFowUHNqX2pLN1pIRkw1OHdFLU56Qi1Pb19tbTJ3NWtVREUtTnpZSnZXSFRSVUpRVEdONm1qYkdaRkJjRGVEVmJVR3JnU0RmNUx3NE9kcjNnNUtBSjU0X3VPXzdV?oc=5) · Banking Dive
- 2026-04-24 [First Hawaiian Bank (NASDAQ:FHB) Reports Q1 CY2026 In Line With Expectations - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxQRnl2clJGNWlZOXJnS0Z2VGpnZ0NUSXFIZHZOTWFZaHZrYUpzLUl6N19HbGdmTEQ2TTdOclozYlA2Z0M3TFdBNDNBTjN5a2I3ck93NDFwUURuRkwxcjN4UkM0MjNqaDFzZGhEQldndHowNTJBbFpjU2NTeFNmLWVEZ1NtOTZCUGFVb0UwUzZqZXZXalZWdGNmR0I0cw?oc=5) · Yahoo Finance
- 2026-08-26 [First Hawaiian Bank announced as jersey patch sponsor for UH women’s volleyball, men’s basketball - KHON2](https://news.google.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?oc=5) · KHON2

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17985 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "17985", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide