Bank of Hawaii

111 South King Street
Honolulu, HI 96813

Notable Rates APY Vs.Others
Savings 0.04% 2.60% →
1-Year CD 1.10% 2.30% →
2-Year CD 1.15% 2.50% →
5-Year CD 0.45% 2.80% →
30-Year Mortgage 3.44% 3.31% →
15-Year Mortgage 2.77% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Bank of Hawaii is an FDIC insured institution located in Honolulu, HI. It was founded in 1897 and has approximately $17.66 billion in assets. Customers can open an account at one of its 72 branches.

FDIC Insured Yes
FDIC Certificate # 18053
Date Established 1897
Assets $17.66 billion
Loans $10.67 billion
Deposits $15.53 billion
Capital $1.22 billion
 

For a more detailed analysis of Bank of Hawaii's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 17, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.04% $2,500 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 $24,999 Learn MoreShow Less
Money Market
0.07% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.04% $2,500 $99,999 Learn MoreShow Less
Special: 3 Mo CD
0.40% $25,000 - Learn MoreShow Less
Special: 3 Mo CD
0.45% $100,000 - Learn MoreShow Less
3 Mo CD
0.07% $100,000 - Learn MoreShow Less
6 Mo CD
0.08% $2,500 $99,999 Learn MoreShow Less
Special: 6 Mo CD
0.70% $25,000 $99,999 Learn MoreShow Less
Special: 6 Mo CD
0.75% $100,000 - Learn MoreShow Less
6 Mo CD
0.15% $100,000 - Learn MoreShow Less
12 Mo CD
0.15% $2,500 $99,999 Learn MoreShow Less
Special: 12 Mo CD
1.00% $25,000 $99,999 Learn MoreShow Less
Special: 12 Mo CD
1.10% $100,000 - Learn MoreShow Less
12 Mo CD
0.25% $100,000 $249,999 Learn MoreShow Less
24 Mo CD
0.20% $2,500 $99,999 Learn MoreShow Less
Special: 24 Mo CD
1.05% $25,000 $99,999 Learn MoreShow Less
Special: 24 Mo CD
1.15% $100,000 - Learn MoreShow Less
24 Mo CD
0.30% $100,000 $249,999 Learn MoreShow Less
0.25% $2,500 $99,999 Learn MoreShow Less
0.35% $100,000 $249,999 Learn MoreShow Less
48 Mo CD
0.30% $2,500 $24,999 Learn MoreShow Less
0.40% $100,000 $249,999 Learn MoreShow Less
0.35% $2,500 $99,999 Learn MoreShow Less
0.45% $100,000 $249,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.19% $25 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.07% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Convenience Checking 0.00% $0 $2.00 Learn MoreShow Less
Personal Money Management Checking 0.00% $500 $7.00 Learn MoreShow Less

Loan Rates - November 17, 2019

Your Current Location: Connecticut, CT 06828

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bank of Hawaii branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Bank of Hawaii Locations


Financial Details

Bank of Hawaii Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Hawaii. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Hawaii U.S. Bank Average
2.12% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Bank of Hawaii had $25,455,000 in non-current loans and $2,737,000 in owned real estate. To cover these potential losses it had $1,224,083,000 in equity and $107,672,000 in loans loss reserves. That gives it a Texas Ratio of 2.12%.

Return on Equity
Bank of Hawaii U.S. Bank Average
19.25% 9.50%

Bank of Hawaii has a Return on Equity of 19.25% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Hawaii U.S. Bank Average
6.93% 12.76%

Bank of Hawaii has a Capitalization of 6.93% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Hawaii Balance Sheet Analysis

As of June 30, 2019, Bank of Hawaii had assets of $17,661,063,000, loans of $10,674,163,000, and deposits of $15,530,039,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.49 billion
Interest-bearing balances $0.21 billion
Total securities $5.60 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $10.67 billion
Loan loss allowance $0.11 billion
Trading account assets $0.05 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.04 billion
All other assets $0.52 billion
     Total Assets $16.44 billion
LIABILITIES
Total deposits $15.53 billion
      Interest-bearing deposits $10.96 billion
      Deposits held in domestic offices $14.45 billion
      % insured (estimated) 51.20%
Federal funds purchased and repurchase agreements $0.50 billion
Trading liabilities $0.01 billion
Other borrowed funds $0.22 billion
Subordinated debt $0.00 billion
All other liabilities $0.17 billion
      Total Liabilities $16.44 billion
      Shareholders’ Equity $1.22 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.30 billion
Total Interest Expense $0.05 billion
Net interest income $0.25 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.09 billion
Total non interest expense $0.19 billion
Pre-tax Net Operating Income $0.15 billion

Bank Loan Profile?

The top three loan types in Bank of Hawaii’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Hawaii, Bank of Hawaii has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.07
Multifamily
Mortgages
3.71
Credit Card Loans 0.00
Consumer Auto Loans 6.60
Small Business Loans 1.09
Construction and Development Loans 2.24
Commercial Real Estate 16.64
Commercial and Industrial Loans 8.32
Farm Loans 0.01

Frequently Asked Questions About Bank Of Hawaii

Branches and Savings

Is Bank Of Hawaii FDIC insured?

Yes. It is covered under FDIC Certificate #18053.

Why does Bank Of Hawaii pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Hawaii CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Hawaii a commercial bank?

Yes

Where are Bank Of Hawaii locations?

See branch locations nearby.

Is Bank Of Hawaii open on Saturdays?

Is Bank Of Hawaii open on Sundays?

What time does Bank Of Hawaii open?

What time does Bank Of Hawaii close?

Are Bank Of Hawaii ATMs Open 24/7?

Do Bank Of Hawaii ATMs accept cash deposits?

Can Bank Of Hawaii customers use other ATMs?

Do Bank Of Hawaii branches have notaries?

Will Bank Of Hawaii notarize my document?

What address for Bank Of Hawaii should I put for incoming ACH transfers?

Will the Bank Of Hawaii branch print checks?

Do Bank Of Hawaii checks expire?

Does Bank Of Hawaii require US citizenship to open account?

Can Bank Of Hawaii close my account?

Does Bank Of Hawaii Report to credit bureaus?

Does Bank Of Hawaii Use Equifax?

What is Bank Of Hawaii's ACH Routing Number?

What is Bank Of Hawaii's SWIFT code?

Products

Does Bank Of Hawaii offer mortgages?

Compare mortgage rates here.

Does Bank Of Hawaii offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Hawaii offer personal loans?

Compare personal loan rates here.

Does Bank Of Hawaii offer student loans?

Will Bank Of Hawaii cash a check?

Will Bank Of Hawaii redeem a savings bond?

Does Bank Of Hawaii cash savings bonds?

Will Bank Of Hawaii cash money orders?

Can Bank Of Hawaii issue a money order?

Does Bank Of Hawaii do currency exchange?

Background on The Bank

Who owns Bank Of Hawaii?

How long has Bank Of Hawaii been around?

Can Bank Of Hawaii transfer to other banks?

Does Bank Of Hawaii have quick pay?

Does Bank Of Hawaii accept rolled coins?

Will Bank Of Hawaii accept loose change?

Where is Bank Of Hawaii headquarters?

Customer Reviews for Bank of Hawaii

There are currently no comments for Bank of Hawaii. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →