Bank of Hawaii: how it compares with its peers
Against 95 U.S. banks with half to twice its assets, Bank of Hawaii's strongest measure in Q2 2026 is assets per employee ($12.5M vs. a $12.0M peer median). Its weakest relative measure is net interest margin (2.74% vs. 3.64%).
| Measure | Bank of Hawaii | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.24% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.74% | 3.64% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.02% | 54.95% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.5M | $12.0M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.47% | 86.03% | Context |
What it means for lending operations
Its efficiency ratio of 58.02% 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
- First Hawaiian Bank Honolulu, HI · $23.65B
- TriState Capital Bank Pittsburgh, PA · $24.26B
- OceanFirst Bank, National Association Toms River, NJ · $23.17B
- Centennial Bank Conway, AR · $24.55B
- Cathay Bank Los Angeles, CA · $24.64B
- Simmons Bank Pine Bluff, AR · $24.73B
Questions about Bank of Hawaii
How big is Bank of Hawaii?
Bank of Hawaii, established in 1897, is headquartered in Honolulu, HI. It reported $23.81B in total assets in its Q2 2026 FDIC call report and operates 52 offices.
What is Bank of Hawaii's return on assets?
1.03% annualized in Q2 2026, against a 1.24% median for 95 U.S. banks with half to twice its assets, ahead of 33% of them.
What is Bank of Hawaii's efficiency ratio?
58.02% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 54.95%, and lower is better.
Is Bank of Hawaii growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits grew 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.