First Hawaiian Bank


999 Bishop St
Honolulu, HI 96813
See all branch locations →

Phone 888 844 4444

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD 4.60% 5.50% →
2-Year CD 0.13% 5.00% →
5-Year CD N.A. 4.61% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

First Hawaiian Bank is an FDIC insured institution located in Honolulu, HI. It was founded in 1858 and has approximately $24.91 billion in assets. Customers can open an account at one of its 64 branches.

FDIC Insured Yes
FDIC Certificate # 17985
Date Established 1858
Assets $ 24.91 billion
Loans $ 14.18 billion
Deposits $ 21.53 billion
Capital $ 2.34 billion

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

Deposit Rates - February 23, 2024

Your Current Location: Virginia, VA 20146

6-month eCD
0.06% $500 - Learn More
9-month eCD
0.09% $500 - Learn More
Promotional 12-month eCD
4.60% $500 - Learn More
18-month eCD
0.12% $500 - Learn More
24-month eCD
0.13% $500 - Learn More
36-month eCD
0.15% $500 - Learn More

Checking Rates APY MIN FEE
Pure Checking 0.00% $0 $2.00 Learn MoreShow Less
Complete Checking 0.00% $0 $7.00 Learn MoreShow Less

Loan Rates - February 23, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Hawaiian Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Learn More
NMLS ID: Not a Lender

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Neighbors Bank
NMLS ID: 491986

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NMLS ID: Not a Lender

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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to First Hawaiian Bank
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Climate Initiatives

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

Financial Details

First Hawaiian Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Hawaiian Bank. 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
First Hawaiian Bank U.S. Bank Average
0.73% 4.13%

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 September 30, 2023, First Hawaiian Bank had $18,185,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $2,336,932,000 in equity and $154,795,000 in loans loss reserves. That gives it a Texas Ratio of 0.73%.

Return on Equity
First Hawaiian Bank U.S. Bank Average
11.13% 26.02%

First Hawaiian Bank has a Return on Equity of 11.13% versus the BestCashCow average of 26.02%. 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.

First Hawaiian Bank U.S. Bank Average
9.38% 10.23%

First Hawaiian Bank has a Capitalization of 9.38% versus the BestCashCow average of 10.23. 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.

First Hawaiian Bank Balance Sheet Analysis

As of September 30, 2023, First Hawaiian Bank had assets of $24,913,054,000, loans of $14,177,540,000, and deposits of $21,527,400,000. 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

September 30, 2023
Cash & Balances due from depository institutions $ 1,213.43 million
Interest-bearing balances $ 967.40 million
Total securities $ 6.83 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 14.18 billion
Loan loss allowance $ 154.80 million
Trading account assets $ 3.07 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1,001.35 million
All other assets $ 1,343.42 million
     Total Assets $ 22.58 billion
Total deposits $ 21.53 billion
      Interest-bearing deposits $ 13.61 billion
      Deposits held in domestic offices $ 19.61 billion
      % insured (estimated) 48.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 2.40 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 494.22 million
      Total Liabilities $ 22.58 billion
      Shareholders’ Equity $ 2.34 billion

Summary Income Statement

September 30, 2023
Total Interest Income $ 682.48 million
Total Interest Expense $ 198.22 million
Net interest income $ 484.27 million
Provision for loan and lease losses $ 21.30 million
Total non interest income $ 140.35 million
Total non interest expense $ 351.52 million
Pre-tax Net Operating Income $ 164.88 million

Bank Loan Profile?

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

Compared to other banks in Hawaii, First Hawaiian Bank has a significantly higher percent of Credit Card Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.33
Credit Card Loans 1.37
Consumer Auto Loans 5.61
Small Business Loans 1.41
Construction and Development Loans 5.09
Commercial Real Estate 22.32
Commercial and Industrial Loans 11.70
Farm Loans 0.00

Customer Reviews for First Hawaiian Bank

  • April 25, 2022

    broke the machine, braddah

  • September 27, 2019

    Hi Team,

    I am got a problem with one of your ATM machine located in one of the Hotel adjacent to APCSS training college. I withdraw a cash of $180.00 from the machine and somehow the money got stuck and gone back to the machine again. I just want to know how can i get my money back.


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