First Hawaiian Bank
Honolulu, Hawaii · FDIC Cert #17985
First Hawaiian Bank is an FDIC-insured bank (Certificate #17985) with $24.0B in total assets and $20.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Honolulu, Hawaii, the bank maintains a Tier 1 capital ratio of 12.66% (Well-Capitalized) and a nonperforming loan ratio of 0.15%. BankHealthData assigns a composite Health Grade of A (89/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Hawaiian Bank (FDIC cert 17985) is a large bank with $24.0B in total assets and $20.3B in deposits, headquartered in Honolulu, Hawaii. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 12.66% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.15% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 29.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.28% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Hawaiian Bank carries a composite BankHealth grade of A (89/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Hawaiian Bank
- Total Assets
- $24.0B
- Total Deposits
- $20.3B
- Tier 1 Capital Ratio
- 12.66%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.15%
- Liquidity Ratio
- 29.59%
- Return on Assets
- 1.28%
- Headquarters
- Honolulu, Hawaii
- FDIC Certificate
- #17985
- Health Grade
- A (89/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Hawaiian Bank holds a Tier 1 capital ratio of 12.66%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Hawaiian Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Hawaiian Bank shows strong financial health indicators. With $24.0B in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Hawaiian Bank Compares
First Hawaiian Bank’s Health Score of 89 is 2 points above the Hawaii state average of 87 across 7 FDIC-insured banks. Its 12.66% Tier 1 capital ratio is 1.3 points below the US banking industry average near 14%. The 0.15% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.28% is in line with or above the national ROA benchmark of ~1.1%. Among 86 similarly-sized banks, the average Health Score is 79, meaning this bank ranks above its size cohort. Site-wide, First Hawaiian Bank is 19 points above the portfolio average of 70.
Frequently Asked Questions
First Hawaiian Bank has a Bank Health Score of A (89/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.66%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Hawaiian Bank's Tier 1 capital ratio of 12.66% and nonperforming loan ratio of 0.15% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Hawaiian Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17985). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Hawaiian Bank holds $24.0B in total assets and $20.3B in total deposits. It is headquartered in Honolulu, Hawaii (FDIC Certificate #17985).
First Hawaiian Bank has a Tier 1 capital ratio of 12.66%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.15%, and the return on assets is 1.28%.
Yes. First Hawaiian Bank is FDIC-insured (Certificate #17985). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Hawaiian Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.