FDIC Cert #17985 · Honolulu, Hawaii · Est. 1858

First Hawaiian Bank - 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.
$24.0B
Total assets
A
Health grade · Excellent
1.19%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

First Hawaiian Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.10% Tier 1, profitable at 1.19% ROA, efficient (56% cost ratio).

#92
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
13.10%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17985 · HI A · 87/100

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

  • GRADE-A A (87/100)
  • MID-PACK #1155/4307
  • PHOTO-FINISH Bank of Greeley · KS
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Hawaii: Bank of Greeley, KS (±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 First Hawaiian Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Greeley · KS · near87/100First Hawaiian Bank · HI · t…87/100Franklin Bank & Trus… · KY ·…87/100Strasburg State Bank · ND · …87/100Wilmington Savings F… · DE ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Hawaiian Bank · July 2026

Plate reading for First Hawaiian Bank where failures stay rare

First Hawaiian Bank (FDIC Cert #17985) carries a PlainBankData health grade of A at 87/100, 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 #1,155 of 4,307. Tier 1 capital prints at 13.10%, clearing the 10% well-capitalized line. The Texas Ratio is 1.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $24.0B, 92nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Greeley (KS), 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 First Hawaiian Bank

Only 1 FAILURE resolution in Hawaii since 2000

First Hawaiian Bank 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 First Hawaiian Bank's 87/100 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 avg77/10087/100
First Hawaiian Bank's composite health score
Tier 1 Capital Ratio (13.10%) 35/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (1.51%) 20/20
Efficiency Ratio (55.64%) 12/15

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

Balance sheet at a glance

Total Assets

$24.0B

Total balance-sheet footings

Total Deposits

$20.5B

Customer-funded liabilities

Net Loans

$14.1B

Outstanding loan book

Net Income

$284M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.7% 13.1% 14.5%
Basel III capital ratios - First Hawaiian Bank

Where First Hawaiian Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Hawaiian Bank's score of 87/100 falls in the highlighted band.

First Hawaiian Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Hawaiian Bank 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

First Hawaiian Bank'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). First Hawaiian Bank's $24.0B falls in the highlighted band.

Safety metrics: First Hawaiian Bank

Tier 1 capital ratio
Well-capitalized 10%

13.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.10%
Texas Ratio
1.51%
Equity Capital
$2.8B

What these ratios mean →

Earnings posture at First Hawaiian Bank

Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
10.60%
Efficiency Ratio
55.64%

What these mean →

Income & expense at First Hawaiian Bank

$951M
Interest Income
$215M
Non-Interest Income
$489M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Hawaiian Bank reports a Texas Ratio of 1.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Hawaiian Bank 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 First Hawaiian Bank by assets

Measured strictly by total assets rather than geography, First Hawaiian Bank's closest national peers include Bank of Hawaii, Cathay Bank, Simmons Bank, TriState Capital Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Hawaii. Averaged across this asset-matched cohort, return on assets runs 0.54% (First Hawaiian Bank is above that at 1.19%), the efficiency ratio averages 53.65% (First Hawaiian Bank runs higher at 55.64%), and Tier 1 capital averages 13.43% (First Hawaiian Bank holds less at 13.10%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $24.0B in assets, First Hawaiian Bank 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 First Hawaiian Bank nationally by total assets
  1. 1
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

  2. 2
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

  5. 5
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  6. 6
    Customers Bank $24.9B

    Malvern, PA · 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
First Hawaiian Bank (this bank) HI $24.0B 1.19% 55.64% 13.10%
Bank of Hawaii HI $24.1B 0.87% 60.14% 13.89%
Cathay Bank CA $24.2B 1.38% 43.01% 13.73%
Simmons Bank AR $24.5B -1.40% 57.93% 10.56%
TriState Capital Bank PA $23.3B 0.78% 47.15% 17.94%
Beacon Bank and Trust MA $23.2B 0.63% 65.46% 11.22%
Customers Bank PA $24.9B 1.01% 48.22% 13.25%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($24.0B here), outside Hawaii so the neighborhood is not state containment.

Cathay Bank $24.2B · CA Simmons Bank $24.5B · AR TriState Capital Bank $23.3B · PA Beacon Bank and Trust $23.2B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Hawaiian Bank (FDIC Cert #17985) - 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.

First Hawaiian Bank 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
Bank of HawaiiHonolulu $24.1B B 0.87%
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%