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Jun 30
Bank of Hawaii Q2 2025 Earnings Report
Bank of Hawai‘i posted solid second quarter results with earnings growth and strong credit quality.
Key Takeaways
Bank of Hawai‘i delivered strong Q2 results with earnings and net interest income improving sequentially. Asset quality remained robust, and expenses were managed well despite a rise in FDIC insurance costs.
EPS rose to $1.06, up from $0.97 in the previous quarter.
Net interest income reached $129.7M, up for the fifth consecutive quarter.
Efficiency ratio improved to 63.49%, reflecting disciplined cost control.
Credit quality remained excellent with minimal charge-offs and stable reserves.
Bank of Hawaii
Bank of Hawaii
Bank of Hawaii Revenue by Segment
Bank of Hawaii Revenue by Geographic Location
Revenue by Segment
Consumer Banking Revenue
CapyFin.comCommercial Banking Revenue
CapyFin.comTreasury and Other Revenue
CapyFin.comRevenue by Geographic Location
Hawai‘i Revenue
CapyFin.com Forward Guidance
Bank of Hawai‘i expects continued strength in net interest income and stable credit metrics, though it anticipates ongoing expense pressure and competitive deposit pricing challenges.
Positive Outlook
- Net interest margin continues to benefit from asset repricing.
- Credit quality remains strong with low charge-offs.
- Deposit growth remains stable with a favorable mix.
- Expense discipline continues to support margin expansion.
- Capital ratios remain well above regulatory requirements.
Challenges Ahead
- Deposit competition remains elevated, affecting funding costs.
- Consumer loan balances have declined, particularly in auto and home equity.
- Noninterest income declined on adjusted basis due to lower customer activity.
- FDIC insurance costs increased compared to prior quarters.
- No share repurchases during the quarter despite authorized buyback capacity.