Hawaii

Banks

Hawaii's 6 banks hold $65.6B in assets at 30 June 2026. Bank of Hawaii is the largest at $23.8B, and the five largest hold 99% of the total; 4 institutions are above $1B, holding $64.0B.

Loans grew a median +1.8% in the year to 30 June 2026: 0 institutions grew faster than 10% and 1 shrank. The median bank lends 74% of its deposits and holds commercial real estate at 27.9% of loans. Nonperforming loans sit at a median 0.25% of the book, return on assets at 1.11%, and equity at 9.7% of assets.

5 of the 6 are in the catalogue, each read from its own filing beside the banks its size in the state: Bank of Hawaii, First Hawaiian Bank, American Savings Bank N.A., Central Pacific Bank, Hawaii National Bank.

Bank of Hawaii holds 36.3% of the state's bank assets; the five largest hold 99%, and 4 of the 6 are above $1B.

The curve's distance from the diagonal is the concentration: 99% of the assets in 83% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 36.1% of the state's $41.4B in loans, then Nonfarm nonresidential, non-owner-occupied at 17.6% and Commercial & industrial at 9.7%.

Hawaii National Bank grew fastest at +4.7%; 0 grew faster than 10% and 1 shrank, Finance Factors LTD the most at -9.0%. The median is +1.8%.

Finance Factors LTD is the most CRE-weighted at 42.1% of loans; 1 of the 6 are above 40%, against a median of 27.9%.

0 of the 6 banks sit above the 300% screen, Finance Factors LTD the highest at 217% of capital; the median is 188%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

0 of the 6 banks sit above the 100% construction screen, Finance Factors LTD the highest at 50%; the median is 25%.

0 of the 6 lend more than they hold in deposits, Finance Factors LTD the furthest at 88%; the median is 74%.

Finance Factors LTD carries the most nonperforming loans at 2.23% of the book; 1 of the 6 are above 1%, and the median is 0.25%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 0 of the 6 hold an allowance smaller than their nonperforming loans.

First Hawaiian Bank earns the most at 1.24% and Finance Factors LTD the least at 0.62%; 0 of the 6 earn under 0.50%, and the median is 1.11%.

First Hawaiian Bank runs the leanest at 55.2% of revenue in cost; 0 of the 6 spend more than 80 cents of every revenue dollar, and the median is 59.5%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Bank of Hawaii	$23.8B	+2.1%	27.1%	68%	0.18%	1.03%	7.5%
First Hawaiian Bank	$23.6B	+1.6%	30.2%	72%	0.30%	1.24%	11.9%
American Savings Bank N.A.	$9.0B	+2.4%	25.3%	76%	0.19%	1.23%	7.7%
Central Pacific Bank	$7.5B	+0.4%	28.8%	79%	0.30%	1.19%	8.5%
Hawaii National Bank	$872M	+4.7%	24.7%	68%	0.05%	0.86%	10.8%
Finance Factors LTD	$684M	-9.0%	42.1%	88%	2.23%	0.62%	11.7%

Credit unions

Hawaii's 45 credit unions hold $17.3B in assets at 31 March 2026. Hawaii State is the largest at $2.9B, and the five largest hold 54% of the total; 5 institutions are above $1B, holding $9.3B.

Loans grew a median +0.4% in the year to 31 March 2026: 3 institutions grew faster than 10% and 22 shrank. The median credit union lends 55% of its shares, with member business loans at 0.0% of loans. Delinquent loans sit at a median 0.61% of the book, return on assets at 0.76%, and net worth at 12.6% of assets.

None of the 45 is in the catalogue yet.

Hawaii State holds 16.6% of the state's credit union assets; the five largest hold 54%, and 5 of the 45 are above $1B.

The curve's distance from the diagonal is the concentration: 54% of the assets in 11% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

CU Hawaii grew fastest at +23.6%; 3 grew faster than 10% and 22 shrank, Plumbers & Fitters Local 675 the most at -29.7%. The median is +0.4%.

Hawaiiusa carries the most commercial lending at 17.9% of loans; 3 of the 45 are above 10%, against a median of 0.0%.

1 of the 45 lend more than they hold in shares, Kauai the furthest at 107%; the median is 55%.

Kahuku carries the most delinquency at 8.61% of the book; 16 of the 45 are above 1%, and the median is 0.61%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 13 of the 45 hold an allowance smaller than their delinquent loans.

Pearl Hawaii earns the most at 2.22% and Kahuku the least at -2.96%; 12 of the 45 earn under 0.50%, and the median is 0.76%.

Glover runs the leanest at 27.0% of revenue in cost; 17 of the 45 spend more than 80 cents of every revenue dollar, and the median is 74.4%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Hawaii State	$2.9B	+8.1%	16.5%	57%	1.06%	1.27%	9.4%
Hawaiiusa	$2.7B	+7.3%	17.9%	65%	0.30%	0.78%	10.4%
Aloha Pacific	$1.5B	-0.6%	12.2%	56%	0.22%	0.53%	9.6%
Hawaiian Financial	$1.1B	+1.3%	0.7%	59%	0.61%	0.74%	11.7%
HFS	$1.1B	+7.2%	0.0%	47%	1.09%	0.78%	9.0%
University of Hawaii	$957M	+13.3%	1.4%	42%	0.20%	0.99%	11.2%
Gather	$924M	+6.5%	0.9%	58%	1.01%	1.54%	12.6%
Hawaii Community	$805M	-0.8%	1.5%	56%	0.65%	0.61%	9.6%
Lokahi	$709M	+1.8%	0.0%	61%	0.31%	0.23%	9.3%
Pearl Hawaii	$544M	+0.4%	0.0%	50%	0.37%	2.22%	10.1%
Maui County	$479M	+6.3%	0.0%	55%	1.97%	0.66%	14.0%
CU Hawaii	$453M	+23.6%	3.5%	55%	0.20%	0.41%	10.9%
Honolulu	$418M	+5.9%	0.0%	83%	1.35%	1.12%	12.6%
Hawaii Central	$311M	+4.9%	0.3%	61%	1.22%	0.63%	9.7%
Hawaii Law Enforcement	$231M	-3.4%	0.0%	55%	0.48%	0.40%	12.9%