# BANK OF HAWAII
HONOLULU, HI · FDIC certificate 18053 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $23.81B | |
| Deposits | $20.97B | |
| Loans and leases | $14.29B | |
| Total equity | $1.78B | |
| Loans / deposits | 67.47% (p14 of band) | 85.78% |
| Liquid assets / assets | 34.19% (p81 of band) | |
| Uninsured deposits / deposits | 47.22% (p76 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.34% (p17 of band) | |
| FHLB advances / assets | 2.10% | |
| Tier 1 leverage | 8.38% (p14 of band) | 10.17% |
| Unrealized securities loss / equity | -43.58% (p1 of band) | -7.43% |
| AOCI / equity | 0.06% (p85 of band) | |
| ROA (annualized) | 1.03% (p31 of band) | 1.24% |
| Net interest margin | 2.74% (p17 of band) | 3.57% |
| Efficiency ratio | 58.02% (p68 of band) | |
| Noncurrent loans | 0.18% (p11 of band) | 0.66% |
| Net charge-offs (annualized) | 0.04% (p31 of band) | |
| Reserve coverage of noncurrent | 578.15% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 25.77% (p43 of band) | |
| Auto loans | $676.5M (4.73% of loans; DQ 2.56%, NCO 0.02%) | |
| Loans to nondepository financials | $64.2M (4% of equity) (p39 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 1910 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | leverage <7% |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | leverage <7%, capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | uninsured deposits >50%, capital falling |  |
| 2014-09 | 2 |  | uninsured deposits >50% |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | uninsured deposits >50% |  |
| 2015-09 | 1 |  | uninsured deposits >50% |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | uninsured deposits >50%, capital falling |  |
| 2017-03 | 1 |  | uninsured deposits >50%, capital falling |
| 2017-06 | 1 | uninsured deposits >50% | leverage <7% |
| 2017-09 | 2 | leverage <7% |  |
| 2017-12 | 1 |  | uninsured deposits >50% |
| 2018-03 | 0 |  | leverage <7% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 3 | leverage <7% |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | capital falling, leverage <7% |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | securities losses >30% of equity |  |
| 2022-06 | 5 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 2 |  | uninsured deposits >50%, NIM <2.5%, capital falling |
| 2023-03 | 2 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

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

- 2026-07-27 [EDGAR Filing Documents for 0000046195-26-000054 - SEC.gov](https://news.google.com/rss/articles/CBMimwFBVV95cUxNejVXYm5QbndZWGpybnhqQXowS0RwSU9uYjVJM2F6VEgySXhqMEplVjhaQWhDTmpxTV9pQURMLUh6UklpYktlTWRqMkh0aExHTXFERmhOVjl0TnkxOWZ5aVo0c2ltSjBHWFRLQ0VudVN4V2RybW4xNmtaNElvQ29qblNqT25QZ2VpTk93VG9IOWMwcEtPZlFmYU9YNA?oc=5) · SEC.gov
- 2026-06-10 [Private sector steps up with $5M com­mitment for Uni­versity of Hawaii Athletics - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNFVNVGpmMWlCUFdvYmhLeVhxWU5mYTlySFNCd0QzNVRJVDBtbUplQk44RFg0bHdlRlZ3Z3lIRU1OellDY2NvLVRablRJV1o4Zk5CSW5PRWRESEdlY1ptdjJ3RTJXSzB2Tm9tRkx5RFhsaFNXamVUMDVtMzNpMm83b0tyMmdMQUFNby1Xc29yczhiTkFmQzQtNlJnVDR2UXBaV0RyTzQ3akdQaVpNOG55YVBTSV9OUQ?oc=5) · spectrumlocalnews.com
- 2026-01-05 [Hawai‘i bank sets Jan. 26 earnings call and $10.94, $20 payouts - Stock Titan](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZGxRR2Rxc1Vackg5c2x4bFBIODNEQXlmRDd6eGp3MVVtZUM2Xzl5cmlUSHVGZEUxZUhLam9SbFRsV2ZBWDlRSXhwaDd5aFFzaFpVbTJ2UXlZemtuVXpJN1VDVFFOMDZsSVNiU1dXSzFGZVZONE9nYkZOMmQ4R3NBUkFScnNoWlFhcDdaUGliOVhhU3kycHVOaHVFcHJtYjNTWTFSdF9uUmFTa0RJRUJocmFwaDB1QQ?oc=5) · Stock Titan
- 2014-12-12 [12/12/14 – Unique History Of Modern Banking In Hawaii Traced Through Images In 2015 State Historic Preservation Calendar - Department of Land and Natural Resources (.gov)](https://news.google.com/rss/articles/CBMiXkFVX3lxTE51RzRuUnY3aTQtVEZzeGpJaHpael9FbkYyQWN5WGM5cEhQU3B6dFgzQ3VhblFBNmNiWlNmVEo4WHREbjlPYnpDbXJ0emNqQ3U0MHgtR25zREkwQ0dCYkE?oc=5) · Department of Land and Natural Resources (.gov)
- 2025-11-14 [Bank of Hawaii completes renovations on two Hawaii Island branches - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZlI0bzZaZlV0a0FOT1c1dmJsYnYya1ZkRFVqa0J6M3JJV3ZGT3NBaHdoQUhzbU5ESVduRWtLYnE5eEhjX25MdzVKT1Yyb21VazI5OExKeVJvLV8yRnhRWkpiWkkweS1mdTRlUENZcTFZNzFJWjlNMXlOWHpqeUE4cEJYMnltNTQzZ0FnS3p6SkttbDZlTEMyNWFTUVlBQ1RnWlFPX1Z4VQ?oc=5) · The Business Journals
- 2017-12-08 [2017 Black Book: 326 Profiles of Hawaiʻi Executives - Page 5 of 13 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBhV3ZNVldfaVN4Y3JSVUVzMlZ0cDVZUThIX3RuTE1mVjVnNU42NldtWEIyS1hGR2tNRXVqdTNLdVlkWm1fNmpubzBSdUlYWVZRNnhUSE5peHJ3UWtrRWc?oc=5) · Hawaii Business Magazine
- 2026-03-19 [Blood Bank of Hawaii celebrates grand opening of new Kapolei headquarters - Hawaii News Now](https://news.google.com/rss/articles/CBMisgFBVV95cUxQcHd3TlFEX0ljUFlNcDJLdHFnRTFsdGk1eXA4U2dQOERTelNMRXZMaGM0eVdXVTV4cEY3Ym1TbGczemE2WFBQTm1RT3NSZzJBYzJoci0wa3dzZXFzTDRfbDMzZXVieEpMeUZZSTJaMXlCMVF3S21PSzNvZllWZXZReVoxVXhvVXAxSVZraXRpU3ZMNEpmWUtranM4eVBXWm1GNE1qMkdmRVlsS002U2pHeVNR?oc=5) · Hawaii News Now
- 2026-07-27 [Earnings call transcript: Bank of Hawaii posts mixed Q2 2026 results as shares fall - Investing.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNQVNHWXdHOTI2b2hCc0VMR2pBVEk2bjBEaV9aaDdiTzRuU2tOUVBsWFl5ejE4X3dMeXR2YkZLNFBUX1Z0SFV4ekt6Ql9Bcm04cjEtMGRWVUJMdjlBTExmczIxaU94WHJTQUVUdVUzdE5ETEJGQ00tV1AzODBnYlJ3S0Ixcm5PSmE0cGNPbndTZkdNbmNVbTk1VldiRDBMbVJrNVU2M09lRzREQkZEODFyQWhVVDZlUDBpcWlfdGRkaEFYeVJIQXFDNDk4ZEFWSG8tVHhsUQ?oc=5) · Investing.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18053 (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/5.json (key "18053", 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