BlastPoint's Banking Scorecard
First Hawaiian Bank
Mid-Market
Specialty: Commercial
HI
FDIC cert 17985
Designations: ✓ Community bank
Honolulu, HI
201
banks in Mid-Market tier nationally
4 in HI
View Mid-Market leaderboard (HI) →
First Hawaiian Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.0B
+0.5% YoY
-0.6% QoQ
|
+$13.5B |
$10.5B
+2.9% YoY
|
$11.0B
+0.5% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$14.1B
-0.7% YoY
+1.3% QoQ
|
+$7.0B |
$7.1B
+4.5% YoY
|
$6.7B
-0.4% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$20.5B
+0.9% YoY
-1.0% QoQ
|
+$12.0B |
$8.5B
+3.0% YoY
|
$9.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.19%
+20.9% YoY
+0.3% QoQ
|
+0.03% |
1.16%
+9.4% YoY
|
0.68%
+6.9% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.17%
+8.1% YoY
+0.8% QoQ
|
-0.22% |
3.40%
+7.9% YoY
|
3.23%
+8.7% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
55.64%
-5.0% YoY
-0.8% QoQ
|
-0.96% |
56.60%
-3.2% YoY
|
66.73%
-1.3% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.31%
+67.2% YoY
+19.0% QoQ
|
-0.37% |
0.68%
+12.0% YoY
|
0.49%
+42.7% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
68.89%
-1.7% YoY
+2.3% QoQ
|
-16.58% |
85.47%
+1.1% YoY
|
73.59%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.97%
-7.0% YoY
-2.4% QoQ
|
+11.33% |
20.64%
-0.3% YoY
|
21.28%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+65.1% YoY
+21.2% QoQ
|
-0.31% |
0.50%
+7.3% YoY
|
0.33%
+39.5% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
13.10%
+3.0% YoY
-0.5% QoQ
|
-0.45% |
13.55%
+1.8% YoY
|
14.29%
+0.1% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.90%
+1.9% YoY
+35.2% QoQ
|
-0.06% |
0.96%
+7.1% YoY
|
0.69%
-15.7% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Deposits
Current: $20.5B · Tier avg: $8.5B
97
97th pctile
Total Assets
Current: $24.0B · Tier avg: $10.5B
94
94th pctile
Total Loans
Current: $14.1B · Tier avg: $7.1B
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.97% · Tier avg: 20.64%
87
87th pctile
Loan-to-Deposit Ratio
Current: 68.89% · Tier avg: 85.47%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.68%
73
73th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.96%
57
57th pctile
Efficiency Ratio
Current: 55.64% · Tier avg: 56.60%
53
53th pctile
Tier 1 Capital Ratio
Current: 13.10% · Tier avg: 13.55%
52
52th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
33
33th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.40%
Top Weaknesses
33
33th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.40%
52
52th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
53
53th pctile
Tier 1 Capital Ratio
Current: 13.10% · Tier avg: 13.55%
57
57th pctile
Efficiency Ratio
Current: 55.64% · Tier avg: 56.60%
73
73th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.96%
74
74th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.68%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
87
87th pctile
Loan-to-Deposit Ratio
Current: 68.89% · Tier avg: 85.47%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.97% · Tier avg: 20.64%
94
94th pctile
Total Loans
Current: $14.1B · Tier avg: $7.1B
97
97th pctile
Total Assets
Current: $24.0B · Tier avg: $10.5B
98
98th pctile
Total Deposits
Current: $20.5B · Tier avg: $8.5B