Overview
First Hawaiian, Inc. is a bank holding company whose principal subsidiary, First Hawaiian Bank, provides consumer and commercial banking services. Its offerings include deposits, commercial and consumer lending, residential mortgages, credit cards, wealth management, trust and private banking services, and merchant processing.[1][2]
The bank’s 49 branches serve Hawaii, Guam and Saipan, with most lending concentrated in Hawaii.[2][3] First Hawaiian traces its origins to Bishop & Company, founded in 1858 as the first successful banking partnership in the Kingdom of Hawaii.[4] In FY2025, the company reported more than 2,000 employees and $667.8 million in net interest income on a fully taxable-equivalent basis.[5][6] [1][2][3][4][5][6]
Products & services
First Hawaiian, Inc.’s banking products are offered through First Hawaiian Bank and include consumer and business checking and savings accounts, certificates of deposit and IRAs, credit cards, personal loans, residential mortgages, home-equity loans and home-equity lines of credit. Named deposit products include Pure Checking, which has no minimum balance requirement and a $20 opening deposit, and MaxiMizer savings, which offers tiered interest and requires a $20 opening deposit.[2][7][8]
Lending offerings include residential mortgages, home-equity loans and HELOCs; commercial and industrial loans, commercial real-estate and construction financing; and consumer loans, including indirect auto financing and leases. Residential mortgages are generally underwritten at a loan-to-value ratio of up to 80%, with higher ratios possible with mortgage insurance; the average first-mortgage loan size was about $392,000 at year-end 2025. HELOCs have variable rates, with fixed-rate lock options potentially available after closing.[9][10][2]
Business and digital services include merchant payment processing, treasury management, commercial online banking, ACH and wire transfers, mobile check deposit, account alerts and cash-management tools. The bank also offers wealth-management, trust and investment-management services.[2][11][12][13][14][15]
The 2025 annual report does not provide product-level percentages of company performance. It reports $217.0 million in total noninterest income, including $31.6 million from deposit-account service charges, $61.8 million from credit and debit card fees, $53.2 million from other service charges and fees, and $36.9 million from trust and investment-services income.[16] [2][7][8][9][10][11][12][13][14][15][16][7][8][11][12][13][14][15]
Geographic presence
First Hawaiian, Inc.’s banking footprint is concentrated in Hawaii, with operations also in Guam and Saipan. Its Q2 2026 filing reports 49 banking locations across those markets; the FY2025 filing lists branches on Oahu, Maui, Hawaii Island, Kauai, Guam and Saipan. The filings do not provide a location-by-location branch count.[17][18] The bank is headquartered at 999 Bishop Street in Honolulu.[18]
At December 31, 2025, loans and leases were concentrated in Hawaii: $9.837 billion, or 69% of the portfolio. The U.S. mainland represented $3.352 billion (23%), Guam and Saipan $1.106 billion (7%), and foreign/other $16.9 million (1%). These figures describe loan exposure, not revenue.[19] The filings do not report revenue by geography; they describe operating segments by business line rather than region.[20]
At year-end 2025, the company had more than 2,000 employees, primarily in Hawaii, Guam and Saipan, without a regional headcount breakdown.[5] Its filings also describe the business as substantially concentrated in Hawaii and identify Hawaii, Guam and Saipan as key markets.[21] [17][18][19][19][19][19][20][5][21]
Business segments
First Hawaiian reports two operating segments: **Retail Banking** and **Commercial Banking**. In the fourth quarter of 2025, the company moved from three reportable segments to two; Treasury and other activities are now grouped in Corporate/Other, which is presented separately but is not a reportable operating segment.[22][23]
**Retail Banking** serves consumers and small businesses with lending, deposit, and wealth-management products, including residential and commercial mortgages, home-equity credit, auto loans and leases, small-business lending, checking and savings accounts, and time deposits. **Commercial Banking** provides corporate banking, commercial real estate lending, lease financing, business deposits, credit cards, and lending and financing to middle-market and large companies.[24][25]
As an approximate measure of segment contribution, net interest income (NII) represented **77.9% for Retail Banking** and **26.7% for Commercial Banking** of consolidated NII in FY 2025; Corporate/Other contributed **−4.6%**. For the first half of 2026, the respective shares were **77.7%, 26.3%, and −4.0%**. These percentages use segment NII divided by consolidated NII, so they are not revenue shares.[26][27] [22][23][24][25][26][26][26][26][27][27][27][27]
Company history
The bank lineage underlying First Hawaiian, Inc. dates to August 17, 1858, when Charles Reed Bishop and William A. Aldrich opened Bishop & Co. in Honolulu. The bank later adopted the First Hawaiian Bank name in 1969; First Hawaiian, Inc. itself was formed as its holding company in 1974.[28][29]
On November 1, 1998, First Hawaiian, Inc. merged with BancWest Corporation and took the BancWest name. In a 2016 reorganization, the company separated Bank of the West into a BNP Paribas subsidiary and changed its name back to First Hawaiian, Inc. on April 1. It completed an initial public offering and began trading on Nasdaq as FHB on August 4, 2016.[30][31][29]
In July 2026, First Hawaiian agreed to acquire TriCo Bancshares in a stock transaction. The agreement remained subject to conditions in the company’s second-quarter 2026 reporting.[32][33] [28][29][30][31][32][33][29][30][33]
Sources
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