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Mar 31, 2025
Bank of Hawaii Q1 2025 Earnings Report
Bank of Hawai‘i posted stronger earnings with higher net interest income and stable asset quality.
Key Takeaways
Bank of Hawai‘i delivered solid Q1 2025 results with a rise in EPS, net income, and net interest income. Asset quality remained strong and credit metrics stable, reflecting effective balance sheet management and cost control.
EPS rose to $0.97 from $0.85 in the previous quarter
Net income reached $44,000,000, up from $39,162,000 in Q4 2024
Net interest income increased to $125,807,000
Total deposits grew to $21,008,217,000, up 1.8% from Q4 2024
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Bank of Hawai‘i remains optimistic heading into Q2 with positive momentum in interest income and stable deposit levels, while continuing to monitor credit conditions.
Positive Outlook
- Net interest income and margin improved for the fourth consecutive quarter
- Deposit mix shift continues to slow, reducing pressure on funding costs
- Credit quality remains strong with low non-performing asset levels
- Loan production in commercial segments supports future growth
- Cost controls remain effective, evidenced by improved efficiency ratio
Challenges Ahead
- Consumer loan balances declined, particularly in home equity and auto portfolios
- Higher commercial loan yields may face headwinds if rates drop
- Slight decrease in average earning asset balances
- Some fee income categories showed softness (e.g. trust and deposit charges)
Historical Earnings Impact
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Avg. Return Before/After Earnings
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