TellerScore

Bank of Hawaii is a state-chartered bank (fed member) headquartered in Honolulu, Hawaii, in business for about 129 years. At the end of Q2 2026 it reported $23.8B in total assets and $21.0B in deposits, with 52 offices across 4 states.

Bank of Hawaii has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 46% of its 132 banks with $10 billion – $100 billion. Among 6 banks headquartered in Hawaii, it ranks 5th. Problem-loan coverage contributes the most (97/100, 1.3%); capital cushion contributes the least (34/100, 8.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.38%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 67.5% · 47.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (61 → 64), mostly because the earnings component improved by 10 points.

TellerScore
606264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202460
Q4 202460
Q1 202561
Q2 202561
Q3 202562
Q4 202563
Q1 202663
Q2 202664
Tier 1 leverage ratio
5.00%6.69%8.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20247.89%
Q3 20247.90%
Q4 20247.83%
Q1 20257.90%
Q2 20258.05%
Q3 20258.08%
Q4 20258.21%
Q1 20268.31%
Q2 20268.38%
Noncurrent loans
0.15%0.18%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.18%
Q4 20240.18%
Q1 20250.17%
Q2 20250.21%
Q3 20250.20%
Q4 20250.19%
Q1 20260.18%
Q2 20260.18%
Return on assets
0.62%0.82%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.62%
Q3 20240.64%
Q4 20240.64%
Q1 20250.76%
Q2 20250.78%
Q3 20250.82%
Q4 20250.87%
Q1 20260.98%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$23.8B8.38%0.18%1.03%67.5%
Q1 202663$23.9B8.31%0.18%0.98%66.8%
Q4 202563$24.1B8.21%0.19%0.87%65.5%
Q3 202562$24.0B8.08%0.20%0.82%65.6%
Q2 202561$23.7B8.05%0.21%0.78%66.3%
Q1 202561$23.9B7.90%0.17%0.76%66.2%
Q4 202460$23.6B7.83%0.18%0.64%67.2%
Q3 202460$23.8B7.90%0.18%0.64%65.3%
Q2 202460$23.3B7.89%0.15%0.62%66.7%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.38%
14th
Total risk-based capital14.96%
66th
Problem loans0.18%
91st
Net charge-offs0.06%
66th
Return on assets1.03%
31st
Net interest margin2.74%
16th
Efficiency ratio58.0%
32nd
Loans to deposits67.5%
87th
Uninsured deposits47.2%
24th
Loan-loss reserves1.03%
35th
Texas ratio1.3%
89th

Similar-size banks in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs

Deposit insurance

Is my money safe at Bank of Hawaii?

Yes. Bank of Hawaii is an FDIC-insured institution (FDIC certificate #18053). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.2% of deposits ($9.9B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.96% (benchmark: 10%).

Check how much of your own balance is covered

52 locations

Branches

Bank of Hawaii lists 51 offices in 34 cities across 4 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 125 consumer complaints about BANK OF HAWAII CORPORATION to the company (56 in the last 12 months). 98.4% received a timely response. That is 6.0 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Bank of Hawaii reported 3,514 home-loan applications under HMDA (LEI XJCRTTYJVBMA22IXL619): 1,974 originated ($1,165,350,000 total), 1,022 denied, and 479 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Hawaii
Type
State-chartered bank (Fed member)
FDIC certificate #
18053
RSSD ID
795968
Primary regulator
FED
Holding company
Bank of Hawaii Corp
Established
January 1, 1897
Headquarters
111 S King St, Honolulu, HI 96813
Employees
1,910

Quick answers

Bank of Hawaii: common questions

Is Bank of Hawaii FDIC insured?

Yes. Bank of Hawaii is an FDIC-insured institution (FDIC certificate #18053). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Hawaii's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Hawaii ever failed?

There is no failure record for FDIC certificate #18053 in the FDIC failed bank list.

How many branches does Bank of Hawaii have?

52 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Honolulu

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Hawaii Federal Credit UnionCredit union Honolulu, HI89 out of 100, Very strong$104.0M15.2%0.23%vs
Waialua Federal Credit UnionCredit union Waialua, HI88 out of 100, Very strong$47.4M17.8%0.16%vs
Ewa Federal Credit UnionCredit union Ewa Beach, HI86 out of 100, Very strong$13.1M23.9%0.65%vs
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs