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Sep 30, 2025
Bank of Hawaii Q3 2025 Earnings Report
Bank of Hawai‘i reported solid performance with increased net income and EPS growth in Q3 2025.
Key Takeaways
Bank of Hawai‘i Corporation delivered another strong quarter in Q3 2025, with net income rising to $53.3 million and diluted EPS reaching $1.20, driven by higher net interest income, improved noninterest income, and continued credit quality strength.
Net income rose to $53.3 million, a 12% increase from the previous quarter.
EPS improved to $1.20 from $1.06 in Q2 2025.
Total revenue reached $182.6 million, combining interest and noninterest income.
Efficiency ratio improved to 61.53% from 63.49% in Q2 2025.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Bank of Hawai‘i remains cautiously optimistic, emphasizing stable credit quality and continued deposit growth, while noting macroeconomic uncertainties.
Positive Outlook
- Strong capital position with Tier 1 Capital Ratio at 14.34%
- Consistent deposit growth across consumer and commercial segments
- Net interest margin expansion for the sixth consecutive quarter
- Stable credit quality with low charge-offs and delinquencies
- Expense discipline with improved efficiency ratio
Challenges Ahead
- Ongoing economic uncertainty could impact loan demand
- Pressure on noninterest income due to market-driven adjustments
- Competition for deposits remains elevated
- Reduction in noninterest-bearing deposits
Historical Earnings Impact
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Avg. Return Before/After Earnings
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