First Hawaiian Bank: how it compares with its peers
Against 95 U.S. banks with half to twice its assets, First Hawaiian Bank's strongest measure in Q2 2026 is return on assets (1.25% vs. a 1.23% peer median). Its weakest relative measure is net interest margin (3.22% vs. 3.64%).
| Measure | First Hawaiian Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.23% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 3.64% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.21% | 54.95% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.9M | $12.2M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.46% | 86.03% | Context |
What it means for lending operations
Its efficiency ratio of 55.21% is above the 54.95% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Hawaii Honolulu, HI · $23.81B
- OceanFirst Bank, National Association Toms River, NJ · $23.17B
- TriState Capital Bank Pittsburgh, PA · $24.26B
- Centennial Bank Conway, AR · $24.55B
- Cathay Bank Los Angeles, CA · $24.64B
- TowneBank Portsmouth, VA · $22.62B
Questions about First Hawaiian Bank
How big is First Hawaiian Bank?
First Hawaiian Bank, established in 1858, is headquartered in Honolulu, HI. It reported $23.65B in total assets in its Q2 2026 FDIC call report and operates 49 offices.
What is First Hawaiian Bank's return on assets?
1.25% annualized in Q2 2026, against a 1.23% median for 95 U.S. banks with half to twice its assets, ahead of 53% of them.
What is First Hawaiian Bank's efficiency ratio?
55.21% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 54.95%, and lower is better.
Is First Hawaiian Bank growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits shrank 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Hawaii bank ranked.