Bank Of Hawaii Corp 8-K, filed Oct 26, 2026

Bank Of Hawaii Corp (BOH)

8-K 2026-10-26 For: 2026-10-26

Added on October 26, 2026

About this 8-K

Bank Of Hawaii Corp filed this 8-K on October 26, 2026.

Bank of Hawai‘i Corporation posted third-quarter 2026 net income of $64.3 million and diluted EPS of $1.49, with net interest margin at 2.82%; stock buybacks totaled $20.2 million, and authorization increased by $200 million to $268.7 million. AI summary

Items reported

Item 2.02: Financial results
Item 9.01: Financial statements and exhibits

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Delaware	1-6887	99-0148992
(State of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)


130 Merchant Street	Honolulu	Hawaii	96813
(Address of principal executive offices)	(City)	(State)	(Zip Code)


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))


Exhibit No.

99.1						October 26, 2026 Press Release: Bank of Hawaii Corporation Third Quarter 2026 Financial Results. Any internet addresses provided in this release are for informational purposes only and are not intended to be hyperlinks. Furnished herewith.

99.2						Bank of Hawaii Corporation Third Quarter 2026 Financial Report

104						Cover Page Interactive Data File (embedded within the Inline XBRL document)


Date: October 26, 2026	Bank of Hawaii Corporation


	By:	/s/ Patrick M. McGuirk
		Patrick M. McGuirk
		Vice Chair and Chief Administrative Officer


Date of Report			October 26, 2026
(Date of earliest event reported)


Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results			Page 2


Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results			Page 3


Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results			Page 4


Bank of Hawai‘i Corporation and Subsidiaries
Financial Highlights													Table 1a
	Three Months Ended									Nine Months Ended
(dollars in thousands, except per share amounts)	September 30, 2026			June 30, 2026			September 30, 2025			September 30, 2026			September 30, 2025
For the Period:
Operating Results
Net Interest Income	$	156,054		$	153,604		$	136,675		$	460,648		$	392,165
Provision for Credit Losses	2,750			3,600			2,500			8,100			9,000
Total Noninterest Income	42,706			43,299			45,966			127,337			134,819
Total Noninterest Expense	112,304			111,186			112,387			339,561			333,629
Pre-Provision Net Revenue	86,456			85,717			70,254			248,424			193,355
Net Income	64,258			63,799			53,345			185,489			144,967
Net Income Available to Common Shareholders	58,989			58,530			48,076			169,681			129,159
Basic Earnings Per Common Share	1.50			1.48			1.21			4.30			3.26
Diluted Earnings Per Common Share	1.49			1.47			1.20			4.27			3.24
Dividends Declared Per Common Share	0.70			0.70			0.70			2.10			2.10
Performance Ratios
Return on Average Assets	1.07		%	1.07		%	0.88		%	1.04		%	0.82		%
Return on Average Shareholders' Equity	13.66			13.74			12.10			13.30			11.34
Return on Average Common Equity	15.38			15.47			13.59			14.92			12.65
Efficiency Ratio 1	56.50			56.47			61.53			57.75			63.31
Net Interest Margin 2	2.82			2.78			2.46			2.78			2.39
Dividend Payout Ratio 3	46.67			47.30			57.85			48.84			64.42
Average Shareholders' Equity to Average Assets	7.85			7.81			7.29			7.82			7.20
Average Balances
Average Loans and Leases	$	14,305,379		$	14,218,951		$	13,982,003		$	14,203,547		$	14,030,773
Average Assets	23,768,568			23,861,848			23,995,037			23,848,046			23,744,661
Average Deposits	20,662,379			20,826,923			21,068,286			20,800,655			20,813,967
Average Shareholders' Equity	1,866,297			1,862,499			1,748,576			1,865,317			1,709,788
Per Share of Common Stock
Book Value	$	37.77		$	38.81		$	36.35		$	37.77		$	36.35
Tangible Book Value	36.97			38.01			35.56			36.97			35.56
Market Value
Closing	68.92			81.49			65.64			68.92			65.64
High	86.31			83.18			71.90			86.31			76.00
Low	68.51			70.07			60.32			67.04			57.45


Bank of Hawai‘i Corporation and Subsidiaries
Financial Highlights										Table 1b
(dollars in thousands)	September 30 2026			June 30 2026			December 31 2025			September 30 2025
As of Period End:
Balance Sheet Totals
Loans and Leases	$	14,371,336		$	14,286,625		$	14,082,050		$	14,021,579
Total Assets	23,819,536			23,842,940			24,176,364			24,014,609
Total Deposits	20,481,558			20,892,775			21,188,495			21,080,669
Other Debt	853,098			508,124			558,176			558,201
Total Shareholders' Equity	1,826,076			1,875,467			1,851,212			1,791,183
Asset Quality
Non-Performing Assets	$	43,412		$	11,478		$	14,171		$	16,864
Allowance for Credit Losses - Loans and Leases	146,170			146,995			146,766			148,778
Allowance to Loans and Leases Outstanding 1	1.02		%	1.03		%	1.04		%	1.06		%
Capital Ratios 2
Common Equity Tier 1 Capital Ratio 3	12.10		%	12.12		%	12.14		%	11.98		%
Tier 1 Capital Ratio	14.41			14.45			14.49			14.34
Total Capital Ratio	15.43			15.48			15.54			15.40
Tier 1 Leverage Ratio	8.79			8.70			8.57			8.44
Total Shareholders' Equity to Total Assets	7.67			7.87			7.66			7.46
Tangible Common Equity to Tangible Assets 4	6.09			6.30			6.11			5.90
Tangible Common Equity to Risk-Weighted Assets 4	9.94			10.38			10.35			9.95
Non-Financial Data
Full-Time Equivalent Employees 5	1,865			1,910			1,877			1,905
Branches	52			52			51			51
ATMs	308			315			320			322


Bank of Hawai‘i Corporation and Subsidiaries
Consolidated Statements of Income									Table 2
	Three Months Ended						Nine Months Ended
(dollars in thousands, except per share amounts)	September 30, 2026		June 30, 2026		September 30, 2025		September 30, 2026		September 30, 2025
Interest Income
Interest and Fees on Loans and Leases	$	172,271	$	168,624	$	169,411	$	505,364	$	499,272
Income on Investment Securities
Available-for-Sale	36,313		36,397		29,702		107,285		81,077
Held-to-Maturity	17,460		18,056		19,332		54,057		59,458
Cash and Cash Equivalents	1,674		1,726		8,195		6,729		17,472
Other	1,431		1,313		1,068		4,037		3,250
Total Interest Income	229,149		226,116		227,708		677,472		660,529
Interest Expense
Deposits	65,950		65,804		84,590		196,640		248,758
Securities Sold Under Agreements to Repurchase	496		491		496		1,473		1,731
Other Debt	6,649		6,217		5,947		18,711		17,875
Total Interest Expense	73,095		72,512		91,033		216,824		268,364
Net Interest Income	156,054		153,604		136,675		460,648		392,165
Provision for Credit Losses	2,750		3,600		2,500		8,100		9,000
Net Interest Income After Provision for Credit Losses	153,304		150,004		134,175		452,548		383,165
Noninterest Income
Trust and Asset Management	13,420		13,712		12,598		39,577		36,436
Fees, Exchange, and Other Service Charges	10,839		11,127		15,219		32,894		44,039
Service Charges on Deposit Accounts	9,052		8,353		8,510		25,845		24,888
Bank-Owned Life Insurance	3,877		3,923		3,681		11,947		11,006
Annuity and Insurance	2,117		2,017		1,095		5,603		4,087
Mortgage Banking	906		839		906		2,621		2,743
Investment Securities Losses, Net	(1,493)		(1,287)		(1,945)		(4,052)		(4,678)
Other	3,988		4,615		5,902		12,902		16,298
Total Noninterest Income	42,706		43,299		45,966		127,337		134,819
Noninterest Expense
Salaries and Benefits	62,308		62,642		62,905		193,407		187,097
Net Equipment	11,307		10,604		10,285		32,522		30,454
Net Occupancy	11,197		10,868		10,932		32,847		31,990
Professional Fees	5,571		5,276		4,022		15,073		12,549
Data Processing	5,474		5,463		5,603		16,518		16,326
FDIC Insurance	3,004		2,978		3,508		8,701		8,790
Other	13,443		13,355		15,132		40,493		46,423
Total Noninterest Expense	112,304		111,186		112,387		339,561		333,629
Income Before Provision for Income Taxes	83,706		82,117		67,754		240,324		184,355
Provision for Income Taxes	19,448		18,318		14,409		54,835		39,388
Net Income	$	64,258	$	63,799	$	53,345	$	185,489	$	144,967
Preferred Stock Dividends	5,269		5,269		5,269		15,808		15,808
Net Income Available to Common Shareholders	$	58,989	$	58,530	$	48,076	$	169,681	$	129,159
Basic Earnings Per Common Share	$	1.50	$	1.48	$	1.21	$	4.30	$	3.26
Diluted Earnings Per Common Share	$	1.49	$	1.47	$	1.20	$	4.27	$	3.24
Dividends Declared Per Common Share	$	0.70	$	0.70	$	0.70	$	2.10	$	2.10
Basic Weighted Average Common Shares	39,316,506		39,513,447		39,655,741		39,464,588		39,611,372
Diluted Weighted Average Common Shares	39,553,225		39,734,782		39,980,931		39,732,180		39,919,998


Bank of Hawai‘i Corporation and Subsidiaries
Consolidated Statements of Condition							Table 3
(dollars in thousands, except per share amounts)	September 30, 2026		June 30, 2026		December 31, 2025		September 30, 2025
Assets
Cash and Cash Equivalents	$	442,032	$	452,814	$	946,520	$	985,223
Investment Securities
Available-for-Sale	3,523,442		3,618,515		3,510,652		3,280,410
Held-to-Maturity (Fair Value of $3,201,942; $3,452,980; $3,651,966; and $3,717,573)	3,974,033		4,070,908		4,245,681		4,340,032
Loans Held for Sale	3,971		5,089		4,369		1,236
Loans and Leases	14,371,336		14,286,625		14,082,050		14,021,579
Allowance for Credit Losses	(146,170)		(146,995)		(146,766)		(148,778)
Net Loans and Leases	14,225,166		14,139,630		13,935,284		13,872,801
Premises and Equipment, Net	224,276		223,463		199,747		196,093
Operating Lease Right-of-Use Assets	87,449		84,519		83,424		82,804
Accrued Interest Receivable	71,749		70,646		69,899		69,224
Mortgage Servicing Rights	16,244		16,626		17,455		17,927
Goodwill	31,517		31,517		31,517		31,517
Bank-Owned Life Insurance	511,349		508,869		499,795		494,041
Other Assets	708,308		620,344		632,021		643,301
Total Assets	$	23,819,536	$	23,842,940	$	24,176,364	$	24,014,609
Liabilities
Deposits
Noninterest-Bearing Demand	$	5,429,216	$	5,575,291	$	5,755,371	$	5,400,943
Interest-Bearing Demand	3,739,272		4,075,694		3,910,952		3,813,921
Savings	8,595,032		8,705,102		8,741,090		8,814,451
Time	2,718,038		2,536,688		2,781,082		3,051,354
Total Deposits	20,481,558		20,892,775		21,188,495		21,080,669
Securities Sold Under Agreements to Repurchase	50,000		50,000		50,000		50,000
Other Debt	853,098		508,124		558,176		558,201
Operating Lease Liabilities	96,499		93,568		92,402		91,690
Retirement Benefits Payable	25,236		25,496		20,139		23,352
Accrued Interest Payable	16,675		16,390		22,370		27,580
Other Liabilities	470,394		381,120		393,570		391,934
Total Liabilities	21,993,460		21,967,473		22,325,152		22,223,426
Shareholders’ Equity
Preferred Stock (Series A, $.01 par value; authorized 180,000 shares issued and outstanding)	180,000		180,000		180,000		180,000
Preferred Stock (Series B, $.01 par value; authorized 165,000 shares issued and outstanding)	165,000		165,000		165,000		165,000
Common Stock ($.01 par value; authorized 500,000,000 shares; issued / outstanding: September 30, 2026 - 59,035,722 / 39,209,600; June 30, 2026 - 59,020,336 / 39,439,677; December 31, 2025 - 58,780,253 / 39,725,698 and September 30, 2025 - 58,779,666 / 39,785,201)	590		590		587		587
Capital Surplus	679,084		675,654		664,781		659,922
Accumulated Other Comprehensive Loss	(307,653)		(243,475)		(244,438)		(276,251)
Retained Earnings	2,291,275		2,260,152		2,205,707		2,178,263
Treasury Stock, at Cost (Shares: September 30, 2026 - 19,826,122; June 30, 2026 - 19,580,659; December 31, 2025 - 19,054,555; and September 30, 2025 - 18,994,465)	(1,182,220)		(1,162,454)		(1,120,425)		(1,116,338)
Total Shareholders’ Equity	1,826,076		1,875,467		1,851,212		1,791,183
Total Liabilities and Shareholders’ Equity	$	23,819,536	$	23,842,940	$	24,176,364	$	24,014,609


Bank of Hawai‘i Corporation and Subsidiaries
Average Balances and Interest Rates - Taxable-Equivalent Basis 1															Table 4a
	Three Months Ended September 30, 2026						Three Months Ended June 30, 2026						Three Months Ended September 30, 2025
(dollars in millions)	Average Balance		Income/Expense 2		Yield/Rate		Average Balance		Income/Expense 2		Yield/Rate		Average Balance		Income/Expense 2		Yield/Rate
Earning Assets
Cash and Cash Equivalents	$	187.7	$	1.7	3.49	%	$	196.2	$	1.7	3.48	%	$	744.3	$	8.2	4.31	%
Investment Securities
Available-for-Sale
Taxable	3,602.0		36.0		3.99		3,669.5		36.1		3.93		3,157.8		29.3		3.70
Non-Taxable	31.6		0.4		5.14		31.7		0.4		5.08		32.4		0.5		5.98
Held-to-Maturity
Taxable	3,995.2		17.3		1.74		4,091.6		17.9		1.75		4,363.9		19.2		1.76
Non-Taxable	32.9		0.2		1.92		33.4		0.2		2.10		33.8		0.2		2.10
Total Investment Securities	7,661.7		53.9		2.81		7,826.2		54.6		2.79		7,587.9		49.2		2.59
Loans Held for Sale	2.9		0.0		5.83		2.7		0.0		6.20		1.6		0.0		5.92
Loans and Leases 3
Commercial Mortgage	4,393.9		57.1		5.15		4,314.9		55.7		5.17		4,016.3		54.3		5.36
Commercial and Industrial	1,656.2		20.6		4.92		1,624.6		19.5		4.83		1,600.7		20.5		5.09
Construction	145.7		2.2		6.09		209.7		3.3		6.30		394.4		7.3		7.32
Commercial Lease Financing	83.6		0.9		4.47		84.6		0.9		4.26		93.0		1.0		4.11
Residential Mortgage	4,854.9		50.2		4.13		4,812.6		48.9		4.06		4,638.1		46.7		4.02
Home Equity	2,080.5		24.5		4.68		2,085.3		24.1		4.63		2,129.6		23.9		4.46
Automobile	670.9		9.7		5.75		677.4		9.5		5.65		706.9		9.5		5.35
Other	419.7		8.2		7.78		409.9		7.9		7.74		403.0		7.7		7.63
Total Loans and Leases	14,305.4		173.4		4.82		14,219.0		169.8		4.79		13,982.0		170.9		4.86
Other	83.7		1.5		6.85		82.8		1.4		6.34		65.3		1.1		6.54
Total Earning Assets	22,241.4		230.5		4.13		22,326.9		227.5		4.08		22,381.1		229.4		4.08
Non-Earning Assets	1,527.2						1,534.9						1,613.9
Total Assets	$	23,768.6					$	23,861.8					$	23,995.0

Interest-Bearing Liabilities
Interest-Bearing Deposits
Demand	$	3,836.6	$	7.1	0.73	%	$	3,781.7	$	7.4	0.78	%	$	3,781.0	$	7.8	0.81	%
Savings	8,798.7		41.5		1.87		8,750.0		39.9		1.83		8,831.0		50.6		2.28
Time	2,555.8		17.3		2.69		2,707.6		18.5		2.75		3,057.6		26.2		3.40
Total Interest-Bearing Deposits	15,191.1		65.9		1.72		15,239.3		65.8		1.73		15,669.6		84.6		2.14
Securities Sold Under Agreements to Repurchase	50.0		0.5		3.89		50.0		0.5		3.88		50.0		0.5		3.89
Other Debt	627.8		6.7		4.19		593.3		6.2		4.20		558.3		6.0		4.23
Total Interest-Bearing Liabilities	15,868.9		73.1		1.83		15,882.6		72.5		1.83		16,277.9		91.1		2.22
Net Interest Income			$	157.4					$	155.0					$	138.3
Interest Rate Spread					2.30	%					2.25	%					1.86	%
Net Interest Margin					2.82	%					2.78	%					2.46	%
Noninterest-Bearing Demand Deposits	5,471.3						5,587.6						5,398.7
Other Liabilities	562.1						529.1						569.8
Shareholders' Equity	1,866.3						1,862.5						1,748.6
Total Liabilities and Shareholders' Equity	$	23,768.6					$	23,861.8					$	23,995.0


Bank of Hawai‘i Corporation and Subsidiaries
Average Balances and Interest Rates - Taxable-Equivalent Basis 1											Table 4b
	Nine Months Ended September 30, 2026						Nine Months Ended September 30, 2025
(dollars in millions)	Average Balance		Income/Expense 2		Yield/Rate		Average Balance		Income/Expense 2		Yield/Rate
Earning Assets
Cash and Cash Equivalents	$	251.4	$	6.7	3.53	%	$	533.5	$	17.5	4.32	%
Investment Securities
Available-for-Sale
Taxable	3,623.2		106.3		3.91		2,979.8		80.2		3.59
Non-Taxable	31.8		1.2		5.10		27.0		1.2		5.85
Held-to-Maturity
Taxable	4,086.7		53.7		1.75		4,457.6		59.0		1.77
Non-Taxable	33.3		0.5		2.04		34.0		0.5		2.10
Total Investment Securities	7,775.0		161.7		2.77		7,498.4		140.9		2.51
Loans Held for Sale	3.1		0.1		5.71		2.0		0.1		5.89
Loans and Leases 3
Commercial Mortgage	4,310.4		166.7		5.17		4,018.9		160.5		5.34
Commercial and Industrial	1,621.7		58.8		4.85		1,657.1		62.9		5.07
Construction	190.1		9.0		6.31		366.6		20.0		7.28
Commercial Lease Financing	85.0		2.8		4.34		92.5		2.8		4.00
Residential Mortgage	4,816.7		146.9		4.07		4,627.2		137.1		3.95
Home Equity	2,089.6		72.2		4.62		2,141.8		69.7		4.35
Automobile	677.6		28.7		5.66		729.7		28.3		5.18
Other	412.4		23.9		7.76		397.0		22.3		7.52
Total Loans and Leases	14,203.5		509.0		4.79		14,030.8		503.6		4.80
Other	82.9		4.1		6.50		65.2		3.2		6.64
Total Earning Assets	22,315.9		681.6		4.08		22,129.9		665.3		4.01
Non-Earning Assets	1,532.1						1,614.8
Total Assets	$	23,848.0					$	23,744.7

Interest-Bearing Liabilities
Interest-Bearing Deposits
Demand	$	3,819.1	$	21.1	0.74	%	$	3,753.3	$	22.4	0.80	%
Savings	8,739.5		120.0		1.84		8,652.4		146.0		2.25
Time	2,671.6		55.5		2.78		3,048.4		80.4		3.53
Total Interest-Bearing Deposits	15,230.2		196.6		1.73		15,454.1		248.8		2.15
Securities Sold Under Agreements to Repurchase	50.0		1.5		3.89		58.8		1.7		3.88
Other Debt	594.2		18.8		4.20		564.9		17.8		4.23
Total Interest-Bearing Liabilities	15,874.4		216.9		1.83		16,077.8		268.3		2.23
Net Interest Income			$	464.7					$	397.0
Interest Rate Spread					2.25	%					1.78	%
Net Interest Margin					2.78	%					2.39	%
Noninterest-Bearing Demand Deposits	5,570.5						5,359.9
Other Liabilities	537.8						597.2
Shareholders’ Equity	1,865.3						1,709.8
Total Liabilities and Shareholders’ Equity	$	23,848.0					$	23,744.7


Bank of Hawai‘i Corporation and Subsidiaries
Loan and Lease Portfolio Balances									Table 5
(dollars in thousands)	September 30, 2026		June 30, 2026		March 31, 2026		December 31, 2025		September 30, 2025
Commercial
Commercial Mortgage	$	4,467,245	$	4,319,221	$	4,341,448	$	4,205,791	$	4,040,711
Commercial and Industrial	1,652,329		1,676,535		1,575,207		1,584,245		1,581,232
Construction	117,919		164,504		204,993		208,584		380,944
Lease Financing	81,556		85,338		84,651		88,303		92,213
Total Commercial	6,319,049		6,245,598		6,206,299		6,086,923		6,095,100
Consumer
Residential Mortgage	4,857,923		4,864,875		4,800,256		4,775,502		4,685,214
Home Equity	2,091,468		2,079,127		2,095,521		2,114,809		2,129,599
Automobile	671,597		674,899		680,570		690,376		699,244
Other	431,299		422,126		410,165		414,440		412,422
Total Consumer	8,052,287		8,041,027		7,986,512		7,995,127		7,926,479
Total Loans and Leases	$	14,371,336	$	14,286,625	$	14,192,811	$	14,082,050	$	14,021,579


Bank of Hawai‘i Corporation and Subsidiaries
Non-Performing Assets and Accruing Loans and Leases Past Due 90 Days or More													Table 6
(dollars in thousands)	September 30, 2026			June 30, 2026			March 31, 2026			December 31, 2025			September 30, 2025
Non-Performing Assets
Non-Accrual Loans and Leases
Commercial
Commercial Mortgage	$	32,500		$	-		$	-		$	2,085		$	2,498
Commercial and Industrial	1,622			1,734			1,860			1,940			3,506
Total Commercial	34,122			1,734			1,860			4,025			6,004
Consumer
Residential Mortgage	5,068			5,348			5,410			5,382			5,628
Home Equity	4,051			4,225			4,525			4,469			5,107
Total Consumer	9,119			9,573			9,935			9,851			10,735
Total Non-Accrual Loans and Leases	43,241			11,307			11,795			13,876			16,739
Foreclosed Real Estate	171			171			295			295			125
Total Non-Performing Assets	$	43,412		$	11,478		$	12,090		$	14,171		$	16,864
Accruing Loans and Leases Past Due 90 Days or More
Consumer
Residential Mortgage	$	12,125		$	8,887		$	10,733		$	8,834		$	7,456
Home Equity	2,845			3,503			1,556			2,152			2,765
Automobile	919			763			672			520			525
Other	679			965			764			753			578
Total Consumer	16,568			14,118			13,725			12,259			11,324
Total Accruing Loans and Leases Past Due 90 Days or More	$	16,568		$	14,118		$	13,725		$	12,259		$	11,324
Total Loans and Leases	$	14,371,336		$	14,286,625		$	14,192,811		$	14,082,050		$	14,021,579
Ratio of Non-Accrual Loans and Leases to Total Loans and Leases	0.30		%	0.08		%	0.08		%	0.10		%	0.12		%
Ratio of Non-Performing Assets to Total Loans and Leases and Foreclosed Real Estate	0.30		%	0.08		%	0.09		%	0.10		%	0.12		%
Ratio of Non-Performing Assets to Total Assets	0.18		%	0.05		%	0.05		%	0.06		%	0.07		%
Ratio of Commercial Non-Performing Assets to Total Commercial Loans and Leases and Commercial Foreclosed Real Estate	0.54		%	0.03		%	0.03		%	0.07		%	0.10		%
Ratio of Consumer Non-Performing Assets to Total Consumer Loans and Leases and Consumer Foreclosed Real Estate	0.12		%	0.12		%	0.13		%	0.13		%	0.14		%
Ratio of Non-Performing Assets and Accruing Loans and Leases Past Due 90 Days or More to Total Loans and Leases and Foreclosed Real Estate	0.42		%	0.18		%	0.18		%	0.19		%	0.20		%


Bank of Hawai‘i Corporation and Subsidiaries
Reserve for Credit Losses													Table 7
	Three Months Ended									Nine Months Ended
(dollars in thousands)	September 30, 2026			June 30, 2026			September 30, 2025			September 30, 2026			September 30, 2025
Balance at Beginning of Period	$	149,276		$	149,078		$	150,128		$	148,403		$	150,649
Loans and Leases Charged-Off
Commercial
Commercial and Industrial	(168)			(385)			(171)			(783)			(1,776)
Consumer
Residential Mortgage	(16)			—			—			(31)			—
Home Equity	(253)			(219)			(28)			(478)			(258)
Automobile	(1,799)			(1,735)			(1,368)			(4,951)			(4,372)
Other	(2,477)			(2,400)			(2,392)			(7,271)			(7,273)
Total Loans and Leases Charged-Off	(4,713)			(4,739)			(3,959)			(13,514)			(13,679)
Recoveries on Loans and Leases Previously Charged-Off
Commercial
Commercial Mortgage	—			—			—			1,617			—
Commercial and Industrial	41			72			98			166			253
Consumer
Residential Mortgage	8			22			58			41			80
Home Equity	58			77			177			272			485
Automobile	754			626			559			1,959			1,749
Other	538			540			490			1,668			1,514
Total Recoveries on Loans and Leases	1,399			1,337			1,382			5,723			4,081
Net Charged-Off - Loans and Leases	(3,314)			(3,402)			(2,577)			(7,791)			(9,598)
Provision for Credit Losses:
Loans and Leases	2,489			3,435			2,812			7,195			9,848
Unfunded Commitments	261			165			(312)			905			(848)
Total Provision for Credit Losses	2,750			3,600			2,500			8,100			9,000
Balance at End of Period	$	148,712		$	149,276		$	150,051		$	148,712		$	150,051
Components
Allowance for Credit Losses - Loans and Leases	$	146,170		$	146,995		$	148,778		$	146,170		$	148,778
Reserve for Unfunded Commitments	2,542			2,281			1,273			2,542			1,273
Total Reserve for Credit Losses	$	148,712		$	149,276		$	150,051		$	148,712		$	150,051
Average Loans and Leases Outstanding	$	14,305,379		$	14,218,951		$	13,982,003		$	14,203,547		$	14,030,773
Ratio of Net Loans and Leases Charged-Off to Average Loans and Leases Outstanding (annualized)	0.09		%	0.10		%	0.07		%	0.07		%	0.09		%
Ratio of Allowance for Credit Losses to Loans and Leases Outstanding 1	1.02		%	1.03		%	1.06		%	1.02		%	1.06		%


Bank of Hawai‘i Corporation and Subsidiaries
Reconciliation of Non-GAAP Financial Measures							Table 8
(dollars in thousands)	September 30, 2026		June 30, 2026		December 31, 2025		September 30, 2025
Total Shareholders' Equity	$	1,826,076	$	1,875,467	$	1,851,212	$	1,791,183
Less: Preferred Stock	345,000		345,000		345,000		345,000
Goodwill	31,517		31,517		31,517		31,517
Tangible Common Equity	$	1,449,559	$	1,498,950	$	1,474,695	$	1,414,666

Total Assets	$	23,819,536	$	23,842,940	$	24,176,364	$	24,014,609
Less: Goodwill	31,517		31,517		31,517		31,517
Tangible Assets	$	23,788,019	$	23,811,423	$	24,144,847	$	23,983,092

Risk-Weighted Assets, determined in accordance with prescribed regulatory requirements 1, 2	$	14,587,549	$	14,442,396	$	14,246,238	$	14,215,866

Total Shareholders' Equity to Total Assets	7.67%		7.87%		7.66%		7.46%
Tangible Common Equity to Tangible Assets (Non-GAAP)	6.09%		6.30%		6.11%		5.90%

Tier 1 Capital Ratio 1	14.41%		14.45%		14.49%		14.34%
Tangible Common Equity to Risk-Weighted Assets (Non-GAAP) 1	9.94%		10.38%		10.35%		9.95%