Bank of Hawaii


111 S King St
Honolulu, HI 96813
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage 6.70% 4.91% →
15-Year Mortgage 6.09% 4.39% →
HELOC 3.75% 0.99% →

2024 Overview

General Bank Information

Bank of Hawaii is an FDIC insured institution located in Honolulu, HI. It was founded in 1897 and has approximately $23.7 billion in assets. Customers can open an account at one of its 72 branches.

FDIC Insured Yes
FDIC Certificate # 18053
Date Established 1897
Assets $ 23.70 billion
Loans $ 13.82 billion
Deposits $ 21.08 billion
Capital $ 1,369.73 million

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 - June 25, 2024

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
Convenience Checking 0.00% $0 $3.25 Learn MoreShow Less
Bankohana Level I Checking 0.00% $500 $7.00 Learn MoreShow Less

Loan Rates - June 25, 2024

Your Current Location: Virginia, VA 20146

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.


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Climate Policy and Initiatives

Bank of Hawaii is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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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 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
1.21% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2024, Bank of Hawaii had $16,245,000 in non-current loans and $2,098,000 in owned real estate. To cover these potential losses it had $1,369,732,000 in equity and $146,403,000 in loans loss reserves. That gives it a Texas Ratio of 1.21%.

Return on Equity
Bank of Hawaii U.S. Bank Average
13.2% 12.20%

Bank of Hawaii has a Return on Equity of 13.2% versus the BestCashCow average of 12.20%. 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.

Bank of Hawaii U.S. Bank Average
5.78% 10.76%

Bank of Hawaii has a Capitalization of 5.78% versus the BestCashCow average of 10.76. 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 December 31, 2023, Bank of Hawaii had assets of $23,702,788,000, loans of $13,821,747,000, and deposits of $21,080,354,000. 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

December 31, 2024
Cash & Balances due from depository institutions $ 1,000.94 million
Interest-bearing balances $ 692.87 million
Total securities $ 7.40 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 13.82 billion
Loan loss allowance $ 146.40 million
Trading account assets $ 96.41 million
Bank premises and fixed assets N.A.
Other real estate owned $ 2.10 million
Goodwill and other intangibles $ 38.27 million
All other assets $ 886.82 million
     Total Assets $ 22.33 billion
Total deposits $ 21.08 billion
      Interest-bearing deposits $ 15.00 billion
      Deposits held in domestic offices $ 19.84 billion
      % insured (estimated) 47.93%
Federal funds purchased and repurchase agreements $ 150.49 million
Trading liabilities $ 97.28 million
Other borrowed funds $ 10.34 million
Subordinated debt N.A.
All other liabilities $ 306.79 million
      Total Liabilities $ 22.33 billion
      Shareholders’ Equity $ 1,369.73 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 814.81 million
Total Interest Expense $ 313.35 million
Net interest income $ 501.46 million
Provision for loan and lease losses $ 9.00 million
Total non interest income $ 184.47 million
Total non interest expense $ 434.82 million
Pre-tax Net Operating Income $ 149.67 million

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 Consumer Auto Loans.

Compared to other banks in Hawaii, Bank of Hawaii has a significantly higher percent of Consumer Auto Loans, Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 47.54
Credit Card Loans 0.00
Consumer Auto Loans 5.61
Small Business Loans 0.87
Construction and Development Loans 2.73
Commercial Real Estate 17.62
Commercial and Industrial Loans 5.21
Farm Loans 0.00

Customer Reviews for Bank of Hawaii

  • June 23, 2020 |

    Hello, Aloha and Alii from the Republic of Palau, I'm writing on this review page so that you can be aware of a situation that I faced here on our small island nation. first of all, I must thank BOH for having serve our island nation for a very long time as a base of our island financial development, there's no doubt about that, a big thank you from here, however, a recent promo from the bank relating to this pandemic crisis that has affected all lives the world over in recent months was offered here at your Palau branch. To a lot of people like me who are struggling to make ends meet in this difficult times, it was like a good blessing from your bank, to our dismay, we were denied the loan and according to your agents here, it was due to points, I think in crisis like this, I believe the point system should be put aside for people who are in crisis and be applied at later time when the economy rebound, I think that federal reserve can be able to reimburse your loss as a result of your contribution to the economy during hard times.

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