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Sep 30, 2025
First Hawaiian Q3 2025 Earnings Report
First Hawaiian reported strong earnings in Q3 2025 with higher net interest income and deposit growth.
Key Takeaways
First Hawaiian, Inc. delivered a solid quarter, driven by rising net interest income and improved net interest margin, despite a decline in total loans and slight increase in noninterest expenses.
Net income reached $73,840,000 for the quarter.
Net interest income rose to $169,331,000, driven by an increase in net interest margin to 3.19%.
Total deposits grew by over $498 million while total loans and leases declined by $222 million.
Efficiency ratio improved to 55.29% compared to 57.23% in the previous quarter.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The report did not provide specific quantitative forward guidance, but performance and commentary suggest confidence in continued strong fundamentals.
Positive Outlook
- Strong deposit growth of $498.1 million
- Improved net interest margin to 3.19%
- Stable efficiency ratio with slight improvement
- Consistent net interest income growth
- Maintained dividend of $0.26 per share
Challenges Ahead
- Loan portfolio declined by $222.5 million
- Provision for credit losses remained elevated at $4.5 million
- Increase in nonperforming assets to $30.9 million
- Slight increase in noninterest expense
- Higher effective tax rate at 23.2% this quarter
Historical Earnings Impact
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Avg. Return Before/After Earnings
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