Q2 2025 Bank of Hawaii Corp Earnings Call Transcript

Jul 28, 2025 / 06:00PM GMT

Release Date Price: €56

Transcript 10-Q8-K

Key Points

Positve

Earnings per share advanced for the fourth consecutive quarter.
Net interest income and net interest margin expanded for the fifth consecutive quarter.
Credit quality remains strong with low net charge-offs and nonperforming assets.
Capital ratios improved, with Tier 1 capital at 14.2% and total risk-based capital at 15.2%.
The employment picture in Hawaii continues to outperform the broader US economy.

Negative

Commercial loan growth was flat, with some disappointment in C&I performance.
Deposit levels were down this quarter, with some seasonality affecting balances.
The deposit mix shift had a negative impact on net interest income.
Noninterest income declined slightly after adjusting for noncore items.
There is uncertainty around the economic environment and rate path, affecting capital decisions.

Operator

Good day, and thank you for standing by. Welcome to the Bank of Hawaii Corporation second-quarter 2025 earnings conference call. (Operator Instructions) Please be advised that today's conference is being recorded.

I would now like to hand the conference over to your speaker today, Chang Park, Director of Investor Relations. Please go ahead.

Chang Park

Bank of Hawaii Corp - Manager of Investor Relations

Good morning, and good afternoon. Thank you for joining us today for our second-quarter 2025 earnings conference call. Joining me today is our Chairman and CEO, Peter Ho; President and Chief Banking Officer, Jim Polk; CFO, Brad Satenberg; and Chief Risk Officer, Brad Shairson.

Before we get started, I want to remind you today that today's conference call will contain some forward-looking statements. And while we believe our assumptions are reasonable, the actual results may differ materially from those projected. During the call today, we'll be referencing a slide presentation as well as the earnings release. Both of these are available on our

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