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Bank of Hawaii (BOH) investor relations material
Bank of Hawaii Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Net income for Q3 2025 was $53.3 million, up 32% year-over-year, with diluted EPS of $1.20, a 29% increase, and return on average common equity at 13.59%.
Net interest margin expanded for the sixth consecutive quarter to 2.46%, with net interest income reaching $136.7 million, up 16% year-over-year.
Credit quality remains strong, with net charge-offs at 0.07% annualized, non-performing assets at 0.12%, and allowance for credit losses at 1.06% of loans.
Wealth management initiatives and talent additions are underway, including integration with Cetera and a new broker-dealer platform.
Total assets reached $24.0 billion, and average deposits grew 7% annualized.
Financial highlights
Net interest income was $136.7 million, up from $129.7 million sequentially and $117.6 million year-over-year; net interest margin increased by 7 bps to 2.46%.
Noninterest income was $46.0 million, with normalized growth after adjusting for one-time items; noninterest expense was $112.4 million, including $2.1 million in severance charges.
Provision for credit losses was $2.5 million, down from $3.3 million in the prior quarter.
Total deposits grew to $21.1 billion, up 1.4% sequentially; loans and leases ended at $14.0 billion.
Allowance for credit losses on loans and leases was $148.8 million (1.06% of loans/leases), flat from year-end 2024.
Outlook and guidance
NIM expected to expand further, with a base case of 25 basis points improvement per year; ongoing NII expansion supported by balance sheet remix.
Loan growth outlook remains in the low single digits, with improving pipelines.
Normalized noninterest income for Q4 expected between $42–$43 million; noninterest expense around $109 million.
2026 expense growth projected in the 3%+ range, with Q1 slightly higher due to seasonal payroll.
Expect a one-time gain of ~$18 million from the sale of merchant services and a $16–17 million loss on AFS securities repositioning in Q4 2025.
Why no Q3 share repurchases with authority?
NII/NIM expansion drivers: how sustainable?
Hawaii economic trends impact on loan portfolio?
What drives the 25bps annual NIM pickup?
Wealth management talent acquisition plans?
Key drivers for 2026 expense growth?
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Next Bank of Hawaii earnings date
Q4 202516 Jan, 2026
Next Bank of Hawaii earnings date
Q4 202516 Jan, 2026
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Frequently asked questions
Bank of Hawaii Corporation is a bank holding company that provides financial services through its subsidiary, Bank of Hawaii. The company offers personal and commercial banking, investment management, and trust services to customers primarily in Hawaii, Guam, and other Pacific Islands. It operates a network of branches and ATMs supported by digital banking platforms. Bank of Hawaii Corporation is headquartered in Honolulu, Hawaii, and its shares are listed on the NYSE.
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