Total Assets
$24.0B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$20.5B
Customer-funded liabilities
Net Loans
$14.1B
Outstanding loan book
Net Income
$284M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
10.60%
Efficiency Ratio
55.64%
What the numbers say about First Hawaiian Bank
First Hawaiian Bank is an FDIC-insured institution (Certificate #17985) headquartered in Honolulu, Hawaii, established in 1858. It holds $24.0B in total assets - 92nd of 4,313 FDIC-insured banks, $20.5B in customer deposits, and $14.1B in net loans. Its capital position: a Tier 1 ratio of 13.10%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.51% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, First Hawaiian Bank sits in the top decile of all FDIC-insured institutions by asset size (92nd of 4,313), and within Hawaii it ranks 2nd of 6 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is American Savings Bank, at $9.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Hawaii by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Hawaii
All Hawaii banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Hawaiian Bank's health grade?▼
First Hawaiian Bank receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Hawaiian Bank?▼
First Hawaiian Bank holds $24.0B in total assets and $20.5B in deposits, ranking 92nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Honolulu, Hawaii.
Is my money safe at First Hawaiian Bank?▼
Yes, deposits at First Hawaiian Bank (Certificate #17985) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Hawaiian Bank's Tier 1 Capital Ratio?▼
First Hawaiian Bank has a Tier 1 Capital Ratio of 13.10%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Hawaiian Bank?▼
First Hawaiian Bank has a Texas Ratio of 1.51%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Hawaiian Bank?▼
First Hawaiian Bank has an Efficiency Ratio of 55.64%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Hawaiian Bank's profile as a depositor or analyst.
- First Hawaiian Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Hawaiian Bank against other Hawaii banks before moving funds. Hawaii banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.