FDIC Cert #18053 · Honolulu, Hawaii · Est. 1897

Bank of Hawaii - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$24.1B
Total assets
B
Health grade · Good
0.87%
Return on assets
13.9%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Hawaii earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.89% Tier 1, 0.87% ROA, 60% efficiency ratio.

#91
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
13.89%
Tier 1 ratio - above the 10% well-capitalized line
34th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 18053 · HI B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2294/4307
  • PHOTO-FINISH Bank of New Hampshire · NH
  • TIER1-WELL 13.9% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Hawaii: Bank of New Hampshire, NH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Hawaii

Lowest and highest poles plus nearest scored peers outside Hawaii, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank of Com… · TX ·…77/100Bank of Hawaii · HI · this b…77/100Bank of New Hampshire · NH ·…77/100First National Bank… · TX · …77/100Newtown Savings Bank · CT · …77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Hawaii · July 2026

Plate reading for Bank of Hawaii where failures stay rare

Bank of Hawaii (FDIC Cert #18053) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,294 of 4,307. Tier 1 capital prints at 13.89%, clearing the 10% well-capitalized line. The Texas Ratio is 1.38%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $24.1B, 91st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of New Hampshire (NH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Hawaii

Only 1 FAILURE resolution in Hawaii since 2000

Bank of Hawaii is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF HONOLULU HONOLULU, HI 2000 → BANK OF THE ORIENT
  • BANK USA, N.A. KIHEI, MAUI, HI 1995 → HAWAII NATIONAL BANK
  • EASTWEST BANK, N.A. KIHEI, HI 1992 → FIRST HAWAIIAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Hawaii banks.

How Bank of Hawaii's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Bank of Hawaii's composite health score
Tier 1 Capital Ratio (13.89%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (1.38%) 20/20
Efficiency Ratio (60.14%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$24.1B

Total balance-sheet footings

Total Deposits

$21.3B

Customer-funded liabilities

Net Loans

$13.9B

Outstanding loan book

Net Income

$208M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.49% 13.89% 15.29%
Basel III capital ratios - Bank of Hawaii

Where Bank of Hawaii ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Hawaii's score of 77/100 falls in the highlighted band.

Bank of Hawaii: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Hawaii 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Hawaii's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Hawaii's $24.1B falls in the highlighted band.

Safety metrics: Bank of Hawaii

Tier 1 capital ratio
Well-capitalized 10%

13.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.89%
Texas Ratio
1.38%
Equity Capital
$1.8B

What these ratios mean →

Profitability metrics: Bank of Hawaii

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
12.67%
Efficiency Ratio
60.14%

What these mean →

Income & expense at Bank of Hawaii

$888M
Interest Income
$198M
Non-Interest Income
$442M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Hawaii reports a Texas Ratio of 1.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Hawaii on FDIC BankFind →

Top banks in Hawaii by total assets

Largest banks headquartered in Hawaii
  1. 1
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

  2. 2
    First Hawaiian Bank $24.0B

    Honolulu, HI · Grade A

  3. 3
    American Savings Bank $9.0B

    Honolulu, HI · Grade C

  4. 4
    Central Pacific Bank $7.4B

    Honolulu, HI · Grade A

  5. 5
    Hawaii National Bank $893M

    Honolulu, HI · Grade B

Top 5 banks in Hawaii ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Bank of Hawaii by assets

Bank of Hawaii is closely matched in total assets by Cathay Bank, First Hawaiian Bank, Simmons Bank, Customers Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.75%, versus Bank of Hawaii's own 0.87%; the average efficiency ratio is 51.55%, versus 60.14% here; and average Tier 1 capital sits at 12.88%, versus 13.89% at Bank of Hawaii. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $24.1B in assets, Bank of Hawaii has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Bank of Hawaii nationally by total assets
  1. 1
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

  2. 2
    First Hawaiian Bank $24.0B

    Honolulu, HI · Grade A

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  6. 6
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Bank of Hawaii (this bank) HI $24.1B 0.87% 60.14% 13.89%
Cathay Bank CA $24.2B 1.38% 43.01% 13.73%
First Hawaiian Bank HI $24.0B 1.19% 55.64% 13.10%
Simmons Bank AR $24.5B -1.40% 57.93% 10.56%
Customers Bank PA $24.9B 1.01% 48.22% 13.25%
Rockland Trust Company MA $24.9B 1.03% 58.01% 14.51%
Provident Bank NJ $24.9B 1.28% 46.51% 12.15%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($24.1B here), outside Hawaii so the neighborhood is not state containment.

Cathay Bank $24.2B · CA Simmons Bank $24.5B · AR Customers Bank $24.9B · PA Rockland Trust Company $24.9B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Hawaii (FDIC Cert #18053) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Hawaii Call Report profile · FDIC Failed Bank List · Hawaii FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Hawaii

All Hawaii banks →
BankAssetsGradeROA
First Hawaiian BankHonolulu $24.0B A 1.19%
American Savings Bank, National AssociationHonolulu $9.0B C -0.34%
Central Pacific BankHonolulu $7.4B A 1.15%
Hawaii National BankHonolulu $893M B 0.69%
Finance Factors, Ltd.Honolulu $688M C 0.50%