BlastPoint's Banking Scorecard
Bank of Hawaii
Mid-Market
Specialty: Mortgage
HI
FDIC cert 18053
Honolulu, HI
201
banks in Mid-Market tier nationally
4 in HI
View Mid-Market leaderboard (HI) →
Bank of Hawaii has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37% in Mid-Market
- + Loan-to-Deposit Ratio 19.93% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.1B
+2.4% YoY
+0.7% QoQ
|
+$13.7B |
$10.5B
+2.9% YoY
|
$11.0B
+0.5% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$13.9B
+0.1% YoY
+0.5% QoQ
|
+$6.8B |
$7.1B
+4.5% YoY
|
$6.7B
-0.4% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$21.3B
+2.5% YoY
+0.5% QoQ
|
+$12.7B |
$8.5B
+3.0% YoY
|
$9.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.87%
+35.2% YoY
+5.7% QoQ
|
-0.29% |
1.16%
+9.4% YoY
|
0.68%
+6.9% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.44%
+13.9% YoY
+2.3% QoQ
|
-0.95% |
3.40%
+7.9% YoY
|
3.23%
+8.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
60.14%
-9.0% YoY
-4.6% QoQ
|
+3.53% |
56.60%
-3.2% YoY
|
66.73%
-1.3% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.19%
+4.8% YoY
-7.3% QoQ
|
-0.50% |
0.68%
+12.0% YoY
|
0.49%
+42.7% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
65.54%
-2.4% YoY
-0.0% QoQ
|
-19.93% |
85.47%
+1.1% YoY
|
73.59%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.44%
+2.9% YoY
+5.9% QoQ
|
+6.80% |
20.64%
-0.3% YoY
|
21.28%
-1.2% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.11%
-6.5% YoY
-6.9% QoQ
|
-0.39% |
0.50%
+7.3% YoY
|
0.33%
+39.5% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
13.89%
+5.6% YoY
+1.1% QoQ
|
+0.34% |
13.55%
+1.8% YoY
|
14.29%
+0.1% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.82%
+6.9% YoY
+45.0% QoQ
|
-0.14% |
0.96%
+7.1% YoY
|
0.69%
-15.7% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#19 of 50 · Top 37% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
65.54%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (1)
Credit Quality Pressure
risk
#3 of 113 · Bottom 2% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
100
100th pctile
Total Deposits
Current: $21.3B · Tier avg: $8.5B
98
98th pctile
Total Assets
Current: $24.1B · Tier avg: $10.5B
93
93th pctile
Total Loans
Current: $13.9B · Tier avg: $7.1B
91
91th pctile
Loan-to-Deposit Ratio
Current: 65.54% · Tier avg: 85.47%
87
87th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.68%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 27.44% · Tier avg: 20.64%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.89% · Tier avg: 13.55%
66
66th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
35
35th pctile
Efficiency Ratio
Current: 60.14% · Tier avg: 56.60%
27
27th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.40%
Top Weaknesses
14
14th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.40%
27
27th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 60.14% · Tier avg: 56.60%
66
66th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.89% · Tier avg: 13.55%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 27.44% · Tier avg: 20.64%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.68%
91
91th pctile
Loan-to-Deposit Ratio
Current: 65.54% · Tier avg: 85.47%
93
93th pctile
Total Loans
Current: $13.9B · Tier avg: $7.1B
98
98th pctile
Total Assets
Current: $24.1B · Tier avg: $10.5B
100
100th pctile
Total Deposits
Current: $21.3B · Tier avg: $8.5B