Form 8-K

8-K — BANK OF HAWAII CORP

Accession: 0000046195-26-000054

Filed: 2026-07-27

Period: 2026-07-27

CIK: 0000046195

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — boh-20260727.htm (Primary)

EX-99.1 (ex991earningsrelease063026.htm)

EX-99.2 (ex992-bohearningspresent.htm)

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8-K

8-K (Primary)

Filename: boh-20260727.htm · Sequence: 1

boh-20260727

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report July 27, 2026

(Date of earliest event reported)

BANK OF HAWAII CORPORATION

(Exact name of registrant as specified in its charter)

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)

(888) 643-3888

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share BOH New York Stock Exchange

Depository Shares, Each Representing 1/40th Interest in a Share of 4.375% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

BOH.PRA New York Stock Exchange

Depository Shares, Each Representing 1/40th Interest in a Share of 8.000% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series B

BOH.PRB New York Stock Exchange

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ 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))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02.Results of Operations and Financial Condition.

On July 27, 2026, Bank of Hawaii Corporation announced its results of operations for the quarter ended June 30, 2026. The public announcement was made by means of a press release, the text of which is furnished as Exhibit 99.1 hereto and incorporated herein by reference.

Item 9.01.Financial Statements and Exhibits.

(d)Exhibits

Exhibit No.

99.1

July 27, 2026 Press Release: Bank of Hawaii Corporation Second 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 Second Quarter 2026 Financial Report

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

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: July 27, 2026

Bank of Hawaii Corporation

By: /s/ Patrick M. McGuirk

Patrick M. McGuirk

Vice Chair and Chief Administrative Officer

EX-99.1

Filename: ex991earningsrelease063026.htm · Sequence: 2

Document

Exhibit 99.1

Bank of Hawai‘i Corporation Second Quarter 2026 Financial Results

•Diluted Earnings Per Common Share of $1.47

•Net Income of $63.8 Million

•Net Interest Margin Increased to 2.78%

•Share Repurchases of $17.0 Million

FOR IMMEDIATE RELEASE

HONOLULU, HI (July 27, 2026) -- Bank of Hawai‘i Corporation (NYSE: BOH) (the “Company”) today reported diluted earnings per common share of $1.47 for the second quarter of 2026, compared with $1.30 during the linked quarter. Net income for the quarter was $63.8 million, up 11.1% from the linked quarter. The return on average common equity for the second quarter of 2026 was 15.47% compared with 13.90% during the linked quarter.

“Bank of Hawai‘i delivered solid second quarter results reflecting steady execution and disciplined balance sheet management,” said Jim Polk, President and CEO. “Net interest margin expanded for the ninth consecutive quarter, supported by the ongoing repricing of cash flows. Total loans and leases increased from the prior quarter, while average total deposits were modestly lower during a seasonally lower period. Credit quality remained strong, and we continued to maintain a disciplined approach to expenses.”

Financial Highlights

Net interest income for the second quarter of 2026 was $153.6 million, an increase of 1.7% from the linked quarter. The increase was primarily driven by a 5 basis point increase in earning asset yield as fixed-rate assets rolled off and were reinvested at higher rates (fixed asset repricing), partially offset by a shift from noninterest-bearing deposits and interest-bearing deposits yielding less than 10 basis points to higher yielding interest-bearing deposits accounts (deposit mix shift) and higher deposit costs.

Net interest margin was 2.78% in the second quarter of 2026, an increase of 4 basis points from the linked quarter, reflecting the same asset yield and deposit cost dynamics as previously mentioned.

The average yield on total earning assets was 4.08% and the average yield on loans and leases was 4.79% in the second quarter of 2026, up 5 basis points and 4 basis points, respectively, from the linked quarter. The increase in loan yield from the linked quarter was primarily driven by fixed asset repricing and additional loan production at higher current rates. Loan originations of all loans, including floating rate loans, during the quarter were originated at an average rate of 5.90%.

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Bank of Hawai‘i Corporation Second Quarter 2026 Financial Results

Page 2

The average rate of interest-bearing deposits was 1.73% and the average quarterly rate of total deposits, including noninterest-bearing deposits, was 1.27%, both up 1 basis point from the linked quarter. The increase in the rate on total deposits was primarily driven by deposit mix shift and higher rates on interest-bearing demand and savings deposits, partially offset by maturing time deposits renewing at lower rates. The deposit beta for the downward rate cycle was 35.5% as of the second quarter of 2026.

Noninterest income was $43.3 million in the second quarter of 2026, an increase of 4.8% from the linked quarter. Noninterest income included a $0.4 million and a $0.2 million charge related to a Visa Class B share conversion ratio change in the second quarter of 2026 and linked quarter, respectively. Adjusted for these items, noninterest income for the second quarter of 2026 was up 5.3% from the linked quarter. The increase was primarily due to increases in trust and asset management fees and commissions earned on our annuity and insurance business.

Noninterest expense was $111.2 million in the second quarter of 2026, a decrease of 4.2% from the linked quarter. Noninterest expense in the second quarter included a $0.5 million net benefit related to the forfeiture of restricted stock awards. Noninterest expense in the linked quarter included $3.5 million in expenses related to the accelerated vesting of restricted stock awards pursuant to the retirement provision of performance-based restricted stock granted in 2024 and 2025 and $0.7 million in separation expenses. Adjusted for these items, noninterest expense for the second quarter of 2026 decreased by 0.2% from the linked quarter.

The effective tax rate for the second quarter of 2026 was 22.31% compared to 22.91% during the linked quarter. The lower effective tax rate in the current quarter as compared to the linked quarter was primarily due to higher benefits from certain tax advantaged investments and an increase in tax benefits from discrete items.

Asset Quality

The Company’s overall asset quality remained strong during the second quarter of 2026. Provision for credit losses for the second quarter of 2026 was $3.6 million, up $1.9 million from the linked quarter. This increase was primarily driven by higher net loan and lease charge-offs during the second quarter of 2026 as compared to the linked quarter, which included a $1.6 million recovery on a single commercial mortgage loan.

Total non-performing assets were $11.5 million at June 30, 2026, down $0.6 million from March 31, 2026. Non-performing assets as a percentage of total loans and leases and foreclosed real estate were 0.08% at the end of the quarter, a decrease of 1 basis point from the linked quarter.

Net loan and lease charge-offs during the second quarter of 2026 were $3.4 million or 10 basis points annualized of total average loans and leases outstanding. Gross charge-offs of $4.7 million were partially offset by gross recoveries of $1.3 million. Compared to the linked quarter, net loan and lease charge-offs increased by $2.3 million or 7 basis points annualized on total average loans and leases outstanding.

The allowance for credit losses on loans and leases was $147.0 million at June 30, 2026, unchanged from March 31, 2026. The ratio of the allowance for credit losses to total loans and leases outstanding was 1.03% at the end of the quarter, a decrease of 1 basis point from March 31, 2026.

Balance Sheet

Total assets were $23.8 billion at June 30, 2026, a decrease of 1.4% from December 31, 2025. The decrease from December 31, 2025 was primarily due to decreases in cash and cash equivalents and held-to-maturity securities, partially offset by increases in loans and leases and available-for-sale securities.

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Bank of Hawai‘i Corporation Second Quarter 2026 Financial Results

Page 3

The investment securities portfolio was $7.7 billion at June 30, 2026, a decrease of 0.9% from December 31, 2025. The decrease was primarily due to portfolio runoff, including maturities and paydowns, partially offset by purchases in available-for-sale securities. The investment securities portfolio remains largely comprised of securities issued by U.S. government agencies and U.S. government-sponsored enterprises.

Total loans and leases were $14.3 billion at June 30, 2026, an increase of 1.5% from December 31, 2025. Total commercial loans were $6.2 billion at June 30, 2026, an increase of 2.6% from December 31, 2025. The increase was primarily due to commercial mortgage and commercial and industrial production. Total consumer loans were $8.0 billion at June 30, 2026, an increase of 0.6% from December 31, 2025. The increase was primarily due to increased production in the residential mortgage portfolio, partially offset by amortization and paydowns.

Total deposits were $20.9 billion at June 30, 2026, a decrease of 1.4% from December 31, 2025. Noninterest-bearing deposits made up 26.7% of total deposit balances at June 30, 2026, down from 27.2% at December 31, 2025. Average total deposits were $20.8 billion for the second quarter of 2026, down 0.7% from December 31, 2025.

Capital and Dividends

The Company’s capital levels remain well above regulatory well-capitalized minimums.

The Tier 1 Capital Ratio was 14.45% at June 30, 2026 compared with 14.49% at December 31, 2025. The decrease from December 31, 2025 was due to an increase in risk-weighted assets and share repurchases, as discussed below, partially offset by an increase in retained earnings. The Tier 1 Leverage Ratio was 8.70% at June 30, 2026, compared with 8.57% at December 31, 2025. The increase from December 31, 2025 was due to a decline in average assets and an increase in retained earnings.

The Company repurchased 216 thousand shares of common stock at a total cost of $17.0 million under the share repurchase program in the second quarter of 2026. Total remaining buyback authority under the share repurchase program was $88.9 million at June 30, 2026.

The Company’s Board of Directors declared a quarterly cash dividend of $0.70 per share on the Company’s outstanding common shares. The dividend will be payable on September 15, 2026 to shareholders of record at the close of business on August 31, 2026.

On July 6, 2026, the Company announced that the Board of Directors declared a quarterly dividend payment of $10.94 per share, equivalent to $0.2735 per depositary share, of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A, and a quarterly dividend payment of $20.00 per share, equivalent to $0.5000 per depositary share, of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series B. The depositary shares representing the Series A Preferred Stock and Series B Preferred Stock are traded on the NYSE under the symbol “BOH.PRA” and “BOH.PRB”, respectively. The dividends on the Series A Preferred Stock and Series B Preferred Stock will be payable on August 3, 2026 to shareholders of record of the preferred stock as of the close of business on July 17, 2026.

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Bank of Hawai‘i Corporation Second Quarter 2026 Financial Results

Page 4

Conference Call Information

The Company will review its second quarter financial results today at 8:00 a.m. Hawai‘i Time (2:00 p.m. Eastern Time). The live call, including a slide presentation, will be accessible on the investor relations link of Bank of Hawai‘i Corporation's website, www.boh.com. The webcast can be accessed via the link: https://register-conf.media-server.com/register/BIbf819fb4b2824119b0496adf4c769c13. A replay of the conference call will be available for one year beginning at approximately 11:00 a.m. Hawai‘i Time on Monday, July 27, 2026. The replay will be available on the Company's website, www.boh.com.

Investor Announcements

Investors and others should note that the Company intends to announce financial and other information to the Company’s investors using the Company’s investor relations website at https://ir.boh.com, social media channels, press releases, SEC filings and public conference calls and webcasts, all for purposes of complying with the Company’s disclosure obligations under Regulation FD. Accordingly, investors should monitor these channels, as information is updated, and new information is posted.

Forward-Looking Statements

This news release, and other statements made by the Company in connection with it may contain "forward-looking statements" (as defined in the Private Securities Litigation Reform Act of 1995) that involve risks and uncertainties that could cause results to be materially different from expectations. Forecasts of our financial results and condition, expectations for our operations and business prospects, and our assumptions used in those forecasts and expectations are examples of certain of these forward-looking statements. Do not unduly rely on forward-looking statements. Actual results might differ significantly from our forecasts and expectations because of a variety of factors. More information about these factors is contained in Bank of Hawai‘i Corporation's Annual Report on Form 10-K for the year ended December 31, 2025, which was filed with the U.S. Securities and Exchange Commission. These forward-looking statements are not guarantees of future performance and speak only as of the date made, and, except as required by law, the Company undertakes no obligation to update or revise any forward-looking statements to reflect subsequent events, new information or future circumstances.

Bank of Hawai‘i Corporation is an independent regional financial services company serving businesses, consumers, and governments in Hawai‘i and the West Pacific. The Company's principal subsidiary, Bank of Hawai‘i, was founded in 1897. For more information about Bank of Hawai‘i Corporation, see the Company’s website, www.boh.com. Bank of Hawai‘i Corporation is a trade name of Bank of Hawaii Corporation.

# # # #

Bank of Hawai‘i Corporation and Subsidiaries

Financial Highlights Table 1

Three Months Ended Six Months Ended

(dollars in thousands, except per share amounts) June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025

For the Period:

Operating Results

Net Interest Income $ 153,604 $ 150,990 $ 129,683 $ 304,594 $ 255,490

Provision for Credit Losses 3,600 1,750 3,250 5,350 6,500

Total Noninterest Income 43,299 41,332 44,795 84,631 88,853

Total Noninterest Expense 111,186 116,071 110,783 227,257 221,242

Pre-Provision Net Revenue 85,717 76,251 63,695 161,968 123,101

Net Income 63,799 57,432 47,637 121,231 91,622

Net Income Available to Common Shareholders 58,530 52,163 42,368 110,693 81,084

Basic Earnings Per Common Share 1.48 1.32 1.07 2.80 2.05

Diluted Earnings Per Common Share 1.47 1.30 1.06 2.78 2.03

Dividends Declared Per Common Share 0.70 0.70 0.70 1.40 1.40

Performance Ratios

Return on Average Assets 1.07 % 0.97 % 0.81 % 1.02 % 0.78 %

Return on Average Shareholders' Equity 13.74 12.47 11.21 13.11 10.93

Return on Average Common Equity 15.47 13.90 12.50 14.69 12.16

Efficiency Ratio 1

56.47 60.35 63.49 58.39 64.25

Net Interest Margin 2

2.78 2.74 2.39 2.76 2.36

Dividend Payout Ratio 3

47.30 53.03 65.42 50.00 68.29

Average Shareholders' Equity to Average Assets 7.81 7.81 7.22 7.81 7.16

Average Balances

Average Loans and Leases $ 14,218,951 $ 14,083,875 $ 14,049,025 $ 14,151,786 $ 14,055,563

Average Assets 23,861,848 23,915,334 23,596,955 23,888,444 23,617,398

Average Deposits 20,826,923 20,915,443 20,699,694 20,870,939 20,684,700

Average Shareholders' Equity 1,862,499 1,867,165 1,704,415 1,864,819 1,690,073

Per Share of Common Stock

Book Value $ 38.81 $ 38.10 $ 35.16 $ 38.81 $ 35.16

Tangible Book Value 38.01 37.31 34.37 38.01 34.37

Market Value

Closing 81.49 74.25 67.53 81.49 67.53

High 83.18 80.61 71.35 83.18 76.00

Low 70.07 67.04 57.45 67.04 57.45

June 30, 2026 March 31, 2026 December 31, 2025 June 30, 2025

As of Period End:

Balance Sheet Totals

Loans and Leases $ 14,286,625 $ 14,192,811 $ 14,082,050 $ 14,002,178

Total Assets 23,842,940 23,909,933 24,176,364 23,709,752

Total Deposits 20,892,775 20,957,930 21,188,495 20,798,914

Other Debt 508,124 558,150 558,176 558,226

Total Shareholders' Equity 1,875,467 1,854,563 1,851,212 1,743,107

Asset Quality

Non-Performing Assets $ 11,478 $ 12,090 $ 14,171 $ 17,881

Allowance for Credit Losses - Loans and Leases 146,995 146,962 146,766 148,543

Allowance to Loans and Leases Outstanding 4

1.03 % 1.04 % 1.04 % 1.06 %

Capital Ratios 5

Common Equity Tier 1 Capital Ratio 6

12.12 % 12.06 % 12.14 % 11.81 %

Tier 1 Capital Ratio 14.45 14.40 14.49 14.17

Total Capital Ratio 15.48 15.44 15.54 15.23

Tier 1 Leverage Ratio 8.70 8.62 8.57 8.46

Total Shareholders' Equity to Total Assets 7.87 7.76 7.66 7.35

Tangible Common Equity to Tangible Assets 7

6.30 6.19 6.11 5.77

Tangible Common Equity to Risk-Weighted Assets 7

10.38 10.28 10.35 9.62

Non-Financial Data

Full-Time Equivalent Employees 1,910 1,866 1,877 1,921

Branches 52 52 51 51

ATMs 315 319 320 317

1 Efficiency ratio is defined as noninterest expense divided by total revenue (net interest income and total noninterest income).

2 Net interest margin is defined as net interest income, on a taxable-equivalent basis, as a percentage of average earning assets.

3 Dividend payout ratio is defined as dividends declared per common share divided by basic earnings per common share.

4 The numerator comprises the Allowance for Credit Losses - Loans and Leases.

5 Regulatory capital ratios as of June 30, 2026 are preliminary.

6 Capital Ratio as of December 31, 2025 has been updated to reflect final reported ratio.

7 Tangible common equity to tangible assets and tangible common equity to risk-weighted assets are Non-GAAP financial measures. Tangible common equity is defined by the Company as common shareholders' equity minus goodwill. See Table 8 “Reconciliation of Non-GAAP Financial Measures”.

Bank of Hawai‘i Corporation and Subsidiaries

Consolidated Statements of Income Table 2

Three Months Ended Six Months Ended

(dollars in thousands, except per share amounts) June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025

Interest Income

Interest and Fees on Loans and Leases $ 168,624 $ 164,469 $ 166,779 $ 333,093 $ 329,861

Income on Investment Securities

Available-for-Sale 36,397 34,575 27,007 70,972 51,375

Held-to-Maturity 18,056 18,541 19,835 36,597 40,126

Cash and Cash Equivalents 1,726 3,329 3,817 5,055 9,277

Other 1,313 1,293 1,097 2,606 2,182

Total Interest Income 226,116 222,207 218,535 448,323 432,821

Interest Expense

Deposits 65,804 64,886 82,476 130,690 164,168

Securities Sold Under Agreements to Repurchase 491 486 491 977 1,235

Other Debt 6,217 5,845 5,885 12,062 11,928

Total Interest Expense 72,512 71,217 88,852 143,729 177,331

Net Interest Income 153,604 150,990 129,683 304,594 255,490

Provision for Credit Losses 3,600 1,750 3,250 5,350 6,500

Net Interest Income After Provision for Credit Losses 150,004 149,240 126,433 299,244 248,990

Noninterest Income

Trust and Asset Management 13,712 12,445 12,097 26,157 23,838

Fees, Exchange, and Other Service Charges 11,127 10,928 14,383 22,055 28,820

Service Charges on Deposit Accounts 8,353 8,440 8,119 16,793 16,378

Bank-Owned Life Insurance 3,923 4,147 3,714 8,070 7,325

Annuity and Insurance 2,017 1,469 1,437 3,486 2,992

Mortgage Banking 839 876 849 1,715 1,837

Investment Securities Losses, Net (1,287) (1,272) (1,126) (2,559) (2,733)

Other 4,615 4,299 5,322 8,914 10,396

Total Noninterest Income 43,299 41,332 44,795 84,631 88,853

Noninterest Expense

Salaries and Benefits 62,642 68,457 61,308 131,099 124,192

Net Occupancy 10,868 10,782 10,499 21,650 21,058

Net Equipment 10,604 10,611 9,977 21,215 20,169

Data Processing 5,463 5,581 5,456 11,044 10,723

Professional Fees 5,276 4,226 4,263 9,502 8,527

FDIC Insurance 2,978 2,719 3,640 5,697 5,282

Other 13,355 13,695 15,640 27,050 31,291

Total Noninterest Expense 111,186 116,071 110,783 227,257 221,242

Income Before Provision for Income Taxes 82,117 74,501 60,445 156,618 116,601

Provision for Income Taxes 18,318 17,069 12,808 35,387 24,979

Net Income $ 63,799 $ 57,432 $ 47,637 $ 121,231 $ 91,622

Preferred Stock Dividends 5,269 5,269 5,269 10,538 10,538

Net Income Available to Common Shareholders $ 58,530 $ 52,163 $ 42,368 $ 110,693 $ 81,084

Basic Earnings Per Common Share $ 1.48 $ 1.32 $ 1.07 $ 2.80 $ 2.05

Diluted Earnings Per Common Share $ 1.47 $ 1.30 $ 1.06 $ 2.78 $ 2.03

Dividends Declared Per Common Share $ 0.70 $ 0.70 $ 0.70 $ 1.40 $ 1.40

Basic Weighted Average Common Shares 39,513,447 39,568,000 39,622,998 39,540,239 39,588,916

Diluted Weighted Average Common Shares 39,734,782 39,981,356 39,895,093 39,839,337 39,888,294

Bank of Hawai‘i Corporation and Subsidiaries

Consolidated Statements of Condition Table 3

(dollars in thousands, except per share amounts) June 30, 2026 March 31, 2026 December 31, 2025 June 30, 2025

Assets

Cash and Cash Equivalents $ 452,814 $ 425,080 $ 946,520 $ 768,683

Investment Securities

Available-for-Sale 3,618,515 3,722,405 3,510,652 3,111,504

Held-to-Maturity (Fair Value of $3,452,980; $3,549,687; $3,651,966; and $3,754,794)

4,070,908 4,163,261 4,245,681 4,441,353

Loans Held for Sale 5,089 3,609 4,369 1,867

Loans and Leases 14,286,625 14,192,811 14,082,050 14,002,178

Allowance for Credit Losses (146,995) (146,962) (146,766) (148,543)

Net Loans and Leases 14,139,630 14,045,849 13,935,284 13,853,635

Premises and Equipment, Net 223,463 215,859 199,747 192,221

Operating Lease Right-of-Use Assets 84,519 82,244 83,424 83,594

Accrued Interest Receivable 70,646 70,555 69,899 67,204

Mortgage Servicing Rights 16,626 17,036 17,455 18,362

Goodwill 31,517 31,517 31,517 31,517

Bank-Owned Life Insurance 508,869 499,681 499,795 488,028

Other Assets 620,344 632,837 632,021 651,784

Total Assets $ 23,842,940 $ 23,909,933 $ 24,176,364 $ 23,709,752

Liabilities

Deposits

Noninterest-Bearing Demand $ 5,575,291 $ 5,653,265 $ 5,755,371 $ 5,424,471

Interest-Bearing Demand 4,075,694 3,884,305 3,910,952 3,855,120

Savings 8,705,102 8,683,875 8,741,090 8,481,328

Time 2,536,688 2,736,485 2,781,082 3,037,995

Total Deposits 20,892,775 20,957,930 21,188,495 20,798,914

Securities Sold Under Agreements to Repurchase 50,000 50,000 50,000 50,000

Other Debt 508,124 558,150 558,176 558,226

Operating Lease Liabilities 93,568 91,213 92,402 92,381

Retirement Benefits Payable 25,496 25,686 20,139 23,528

Accrued Interest Payable 16,390 19,757 22,370 26,732

Other Liabilities 381,120 352,634 393,570 416,864

Total Liabilities 21,967,473 22,055,370 22,325,152 21,966,645

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: June 30, 2026 - 59,020,336 / 39,439,677; March 31, 2026 - 59,000,929 / 39,620,563; December 31, 2025 - 58,780,253 / 39,725,698 and June 30, 2025 - 58,775,870 / 39,765,375)

590 590 587 587

Capital Surplus 675,654 672,584 664,781 655,479

Accumulated Other Comprehensive Loss (243,475) (247,217) (244,438) (299,194)

Retained Earnings 2,260,152 2,229,539 2,205,707 2,158,450

Treasury Stock, at Cost (Shares: June 30, 2026 - 19,580,659; March 31, 2026 - 19,380,366; December 31, 2025 - 19,054,555; and June 30, 2025 - 19,010,495)

(1,162,454) (1,145,933) (1,120,425) (1,117,215)

Total Shareholders’ Equity 1,875,467 1,854,563 1,851,212 1,743,107

Total Liabilities and Shareholders’ Equity $ 23,842,940 $ 23,909,933 $ 24,176,364 $ 23,709,752

Bank of Hawai‘i Corporation and Subsidiaries

Average Balances and Interest Rates - Taxable-Equivalent Basis 1

Table 4a

Three Months Ended June 30, 2026 Three Months Ended March 31, 2026 Three Months Ended June 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 $ 196.2 $ 1.7 3.48 % $ 372.5 $ 3.3 3.58 % $ 353.7 $ 3.8 4.27 %

Investment Securities

Available-for-Sale

Taxable 3,669.5 36.1 3.93 3,598.1 34.2 3.82 2,987.2 26.7 3.58

Non-Taxable 31.7 0.4 5.08 32.1 0.4 5.07 27.4 0.4 5.85

Held-to-Maturity

Taxable 4,091.6 17.9 1.75 4,175.4 18.4 1.76 4,462.1 19.7 1.77

Non-Taxable 33.4 0.2 2.10 33.5 0.2 2.10 34.0 0.2 2.10

Total Investment Securities 7,826.2 54.6 2.79 7,839.1 53.2 2.72 7,510.7 47.0 2.50

Loans Held for Sale 2.7 0.0 6.20 3.6 0.1 5.22 2.2 0.0 5.66

Loans and Leases 3

Commercial Mortgage 4,314.9 55.7 5.17 4,220.6 54.1 5.19 4,025.2 53.7 5.35

Commercial and Industrial 1,624.6 19.5 4.83 1,583.4 18.7 4.79 1,668.1 21.1 5.07

Construction 209.7 3.3 6.30 215.7 3.4 6.46 366.2 6.7 7.30

Commercial Lease Financing 84.6 0.9 4.26 86.9 0.9 4.29 93.4 1.0 4.07

Residential Mortgage 4,812.6 48.9 4.06 4,781.9 47.8 4.00 4,626.5 45.6 3.95

Home Equity 2,085.3 24.1 4.63 2,103.1 23.6 4.55 2,141.5 23.3 4.37

Automobile 677.4 9.5 5.65 684.6 9.4 5.57 730.1 9.4 5.19

Other 409.9 7.9 7.74 407.7 7.8 7.76 398.0 7.5 7.53

Total Loans and Leases 14,219.0 169.8 4.79 14,083.9 165.7 4.75 14,049.0 168.3 4.80

Other 82.8 1.4 6.34 81.9 1.3 6.31 65.2 1.1 6.72

Total Earning Assets 22,326.9 227.5 4.08 22,381.0 223.6 4.03 21,980.8 220.2 4.01

Non-Earning Assets 1,534.9 1,534.3 1,616.2

Total Assets $ 23,861.8 $ 23,915.3 $ 23,597.0

Interest-Bearing Liabilities

Interest-Bearing Deposits

Demand $ 3,781.7 $ 7.4 0.78 % $ 3,839.0 $ 6.6 0.69 % $ 3,705.5 $ 7.6 0.82 %

Savings 8,750.0 39.9 1.83 8,668.4 38.7 1.81 8,578.6 48.1 2.25

Time 2,707.6 18.5 2.75 2,753.6 19.6 2.89 3,050.0 26.8 3.52

Total Interest-Bearing Deposits 15,239.3 65.8 1.73 15,261.0 64.9 1.72 15,334.1 82.5 2.16

Securities Sold Under Agreements to Repurchase 50.0 0.5 3.88 50.0 0.5 3.89 50.0 0.5 3.88

Other Debt 593.3 6.2 4.20 560.9 5.8 4.23 558.3 5.9 4.23

Total Interest-Bearing Liabilities 15,882.6 72.5 1.83 15,871.9 71.2 1.82 15,942.4 88.9 2.24

Net Interest Income $ 155.0 $ 152.4 $ 131.3

Interest Rate Spread 2.25 % 2.21 % 1.77 %

Net Interest Margin 2.78 % 2.74 % 2.39 %

Noninterest-Bearing Demand Deposits 5,587.6 5,654.4 5,365.6

Other Liabilities 529.1 521.8 584.6

Shareholders' Equity 1,862.5 1,867.2 1,704.4

Total Liabilities and Shareholders' Equity $ 23,861.8 $ 23,915.3 $ 23,597.0

1Due to rounding, the amounts presented in this table may not tie to other amounts presented elsewhere in this report.

2Interest income includes taxable-equivalent basis adjustments, based upon a federal statutory tax rate of 21%, of $1.4 million, $1.4 million, and $1.6 million for the three months ended June 30, 2026, March 31, 2026, and June 30, 2025, respectively.

3Non-performing loans and leases are included in the respective average loan and lease balances.

Bank of Hawai‘i Corporation and Subsidiaries

Average Balances and Interest Rates - Taxable-Equivalent Basis 1

Table 4b

Six Months Ended June 30, 2026 Six Months Ended June 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 $ 283.8 $ 5.1 3.54 % $ 426.4 $ 9.3 4.33 %

Investment Securities

Available-for-Sale

Taxable 3,634.0 70.3 3.88 2,889.3 50.8 3.53

Non-Taxable 31.9 0.8 5.08 24.3 0.7 5.77

Held-to-Maturity

Taxable 4,133.2 36.3 1.76 4,505.1 39.8 1.77

Non-Taxable 33.5 0.4 2.10 34.1 0.4 2.10

Total Investment Securities 7,832.6 107.8 2.76 7,452.8 91.7 2.47

Loans Held for Sale 3.1 0.1 5.65 2.2 0.1 5.87

Loans and Leases 3

Commercial Mortgage 4,268.0 109.7 5.18 4,020.3 106.2 5.33

Commercial and Industrial 1,604.1 38.2 4.81 1,685.8 42.3 5.06

Construction 212.7 6.7 6.38 352.4 12.7 7.26

Commercial Lease Financing 85.7 1.8 4.27 92.3 1.8 3.95

Residential Mortgage 4,797.3 96.8 4.03 4,621.6 90.5 3.91

Home Equity 2,094.2 47.7 4.59 2,147.9 45.8 4.30

Automobile 681.0 18.9 5.61 741.3 18.8 5.10

Other 408.8 15.7 7.75 394.0 14.6 7.47

Total Loans and Leases 14,151.8 335.5 4.77 14,055.6 332.7 4.76

Other 82.5 2.6 6.33 65.2 2.1 6.70

Total Earning Assets 22,353.8 451.1 4.05 22,002.2 435.9 3.98

Non-Earning Assets 1,534.6 1,615.2

Total Assets $ 23,888.4 $ 23,617.4

Interest-Bearing Liabilities

Interest-Bearing Deposits

Demand $ 3,810.2 $ 14.0 0.74 % $ 3,739.2 $ 14.7 0.79 %

Savings 8,709.4 78.6 1.82 8,561.7 95.2 2.24

Time 2,730.5 38.1 2.82 3,043.7 54.3 3.60

Total Interest-Bearing Deposits 15,250.1 130.7 1.73 15,344.6 164.2 2.16

Securities Sold Under Agreements to Repurchase 50.0 1.0 3.89 63.3 1.2 3.88

Other Debt 577.2 12.0 4.21 568.2 11.9 4.23

Total Interest-Bearing Liabilities 15,877.3 143.7 1.83 15,976.1 177.3 2.24

Net Interest Income $ 307.4 $ 258.6

Interest Rate Spread 2.22 % 1.74 %

Net Interest Margin 2.76 % 2.36 %

Noninterest-Bearing Demand Deposits 5,620.8 5,340.1

Other Liabilities 525.5 611.1

Shareholders’ Equity

1,864.8 1,690.1

Total Liabilities and Shareholders’ Equity

$ 23,888.4 $ 23,617.4

1.Due to rounding, the amounts presented in this table may not tie to other amounts presented elsewhere in this report.

2.Interest income includes taxable-equivalent basis adjustments, based upon a federal statutory tax rate of 21%, of $2.8 million and $3.1 million for the six months ended June 30, 2026 and June 30, 2025, respectively.

3.Non-performing loans and leases are included in the respective average loan and lease balances.

Bank of Hawai‘i Corporation and Subsidiaries

Loan and Lease Portfolio Balances Table 5

(dollars in thousands) June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025 June 30,

2025

Commercial

Commercial Mortgage $ 4,319,221 $ 4,341,448 $ 4,205,791 $ 4,040,711 $ 4,038,956

Commercial and Industrial 1,676,535 1,575,207 1,584,245 1,581,232 1,597,560

Construction 164,504 204,993 208,584 380,944 374,768

Lease Financing 85,338 84,651 88,303 92,213 92,842

Total Commercial 6,245,598 6,206,299 6,086,923 6,095,100 6,104,126

Consumer

Residential Mortgage 4,864,875 4,800,256 4,775,502 4,685,214 4,637,014

Home Equity 2,079,127 2,095,521 2,114,809 2,129,599 2,139,025

Automobile 674,899 680,570 690,376 699,244 715,688

Other 422,126 410,165 414,440 412,422 406,325

Total Consumer 8,041,027 7,986,512 7,995,127 7,926,479 7,898,052

Total Loans and Leases $ 14,286,625 $ 14,192,811 $ 14,082,050 $ 14,021,579 $ 14,002,178

Deposits

(dollars in thousands) June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025 June 30,

2025

Consumer $ 10,454,082 $ 10,530,223 $ 10,466,617 $ 10,393,932 $ 10,429,271

Commercial 8,167,262 8,340,279 8,597,265 8,348,396 8,243,898

Public and Other 2,271,431 2,087,428 2,124,613 2,338,341 2,125,745

Total Deposits $ 20,892,775 $ 20,957,930 $ 21,188,495 $ 21,080,669 $ 20,798,914

Average Deposits

Three Months Ended

(dollars in thousands) June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025 June 30,

2025

Consumer $ 10,474,385 $ 10,461,004 $ 10,373,200 $ 10,387,715 $ 10,435,867

Commercial 8,436,028 8,431,519 8,478,592 8,504,078 8,316,893

Public and Other 1,916,510 2,022,920 2,128,407 2,176,493 1,946,933

Total Deposits $ 20,826,923 $ 20,915,443 $ 20,980,199 $ 21,068,286 $ 20,699,693

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) June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025 June 30,

2025

Non-Performing Assets

Non-Accrual Loans and Leases

Commercial

Commercial Mortgage $ - $ - $ 2,085 $ 2,498 $ 2,566

Commercial and Industrial 1,734 1,860 1,940 3,506 3,744

Total Commercial 1,734 1,860 4,025 6,004 6,310

Consumer

Residential Mortgage 5,348 5,410 5,382 5,628 5,842

Home Equity 4,225 4,525 4,469 5,107 5,387

Total Consumer 9,573 9,935 9,851 10,735 11,229

Total Non-Accrual Loans and Leases 11,307 11,795 13,876 16,739 17,539

Foreclosed Real Estate 171 295 295 125 342

Total Non-Performing Assets $ 11,478 $ 12,090 $ 14,171 $ 16,864 $ 17,881

Accruing Loans and Leases Past Due 90 Days or More

Consumer

Residential Mortgage $ 8,887 $ 10,733 $ 8,834 $ 7,456 $ 9,070

Home Equity 3,503 1,556 2,152 2,765 1,867

Automobile 763 672 520 525 680

Other 965 764 753 578 630

Total Consumer 14,118 13,725 12,259 11,324 12,247

Total Accruing Loans and Leases Past Due 90 Days or More $ 14,118 $ 13,725 $ 12,259 $ 11,324 $ 12,247

Total Loans and Leases $ 14,286,625 $ 14,192,811 $ 14,082,050 $ 14,021,579 $ 14,002,178

Ratio of Non-Accrual Loans and Leases to Total Loans and Leases 0.08 % 0.08 % 0.10 % 0.12 % 0.13 %

Ratio of Non-Performing Assets to Total Loans and Leases and Foreclosed Real Estate 0.08 % 0.09 % 0.10 % 0.12 % 0.13 %

Ratio of Non-Performing Assets to Total Assets 0.05 % 0.05 % 0.06 % 0.07 % 0.08 %

Ratio of Commercial Non-Performing Assets to Total Commercial Loans and Leases and Commercial Foreclosed Real Estate 0.03 % 0.03 % 0.07 % 0.10 % 0.10 %

Ratio of Consumer Non-Performing Assets to Total Consumer Loans and Leases and Consumer Foreclosed Real Estate 0.12 % 0.13 % 0.13 % 0.14 % 0.15 %

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 0.18 % 0.18 % 0.19 % 0.20 % 0.22 %

Bank of Hawai‘i Corporation and Subsidiaries

Reserve for Credit Losses Table 7

Three Months Ended Six Months Ended

(dollars in thousands) June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025

Balance at Beginning of Period $ 149,078 $ 148,403 $ 149,496 $ 148,403 $ 150,649

Loans and Leases Charged-Off

Commercial

Commercial and Industrial (385) (230) (206) (615) (1,605)

Consumer

Residential Mortgage — (15) — (15) —

Home Equity (219) (6) (155) (225) (230)

Automobile (1,735) (1,417) (1,253) (3,152) (3,004)

Other (2,400) (2,394) (2,397) (4,794) (4,881)

Total Loans and Leases Charged-Off (4,739) (4,062) (4,011) (8,801) (9,720)

Recoveries on Loans and Leases Previously Charged-Off

Commercial

Commercial Mortgage

— 1,617 — 1,617 —

Commercial and Industrial 72 53 78 125 155

Consumer

Residential Mortgage 22 11 11 33 22

Home Equity 77 137 180 214 308

Automobile 626 579 557 1,205 1,190

Other 540 590 567 1,130 1,024

Total Recoveries on Loans and Leases

1,337 2,987 1,393 4,324 2,699

Net Charged-Off - Loans and Leases (3,402) (1,075) (2,618) (4,477) (7,021)

Provision for Credit Losses:

Loans and Leases 3,435 1,271 3,454 4,706 7,036

Unfunded Commitments 165 479 (204) 644 (536)

Total Provision for Credit Losses 3,600 1,750 3,250 5,350 6,500

Balance at End of Period $ 149,276 $ 149,078 $ 150,128 $ 149,276 $ 150,128

Components

Allowance for Credit Losses - Loans and Leases $ 146,995 $ 146,962 $ 148,543 $ 146,995 $ 148,543

Reserve for Unfunded Commitments 2,281 2,116 1,585 2,281 1,585

Total Reserve for Credit Losses $ 149,276 $ 149,078 $ 150,128 $ 149,276 $ 150,128

Average Loans and Leases Outstanding $ 14,218,951 $ 14,083,875 $ 14,049,025 $ 14,151,786 $ 14,055,563

Ratio of Net Loans and Leases Charged-Off to Average Loans and Leases Outstanding (annualized) 0.10 % 0.03 % 0.07 % 0.06 % 0.10 %

Ratio of Allowance for Credit Losses to Loans and Leases Outstanding 1

1.03 % 1.04 % 1.06 % 1.03 % 1.06 %

1The numerator comprises the Allowance for Credit Losses - Loans and Leases.

Bank of Hawai‘i Corporation and Subsidiaries

Reconciliation of Non-GAAP Financial Measures Table 8

(dollars in thousands) June 30, 2026 March 31, 2026 December 31, 2025 June 30, 2025

Total Shareholders' Equity $ 1,875,467 $ 1,854,563 $ 1,851,212 $ 1,743,107

Less: Preferred Stock 345,000 345,000 345,000 345,000

Goodwill 31,517 31,517 31,517 31,517

Tangible Common Equity $ 1,498,950 $ 1,478,046 $ 1,474,695 $ 1,366,590

Total Assets $ 23,842,940 $ 23,909,933 $ 24,176,364 $ 23,709,752

Less: Goodwill 31,517 31,517 31,517 31,517

Tangible Assets $ 23,811,423 $ 23,878,416 $ 24,144,847 $ 23,678,235

Risk-Weighted Assets, determined in accordance with prescribed regulatory requirements 1, 2

$ 14,442,396 $ 14,382,622 $ 14,246,238 $ 14,208,032

Total Shareholders' Equity to Total Assets 7.87% 7.76% 7.66% 7.35%

Tangible Common Equity to Tangible Assets (Non-GAAP) 6.30% 6.19% 6.11% 5.77%

Tier 1 Capital Ratio 1

14.45% 14.40% 14.49% 14.17%

Tangible Common Equity to Risk-Weighted Assets (Non-GAAP) 1

10.38% 10.28% 10.35% 9.62%

1Regulatory capital ratios as of June 30, 2026 are preliminary.

2 Risk-Weighted Assets as of December 31, 2025 has been updated to reflect final reported amount.

EX-99.2

Filename: ex992-bohearningspresent.htm · Sequence: 3

ex992-bohearningspresent

Bank of Hawai‘i Corporation second quarter 2026 financial report July 27, 2026 Exhibit 99.2

this presentation, and other statements made by the Company in connection with it, may contain forward-looking statements concerning, among other things, forecasts of our financial results and condition, expectations for our operations and business prospects, and our assumptions used in those forecasts and expectations. we have not committed to update forward-looking statements to reflect later events or circumstances disclosure 2 forward-looking statements

diversified, lower risk loan assets second quarter 2026 highlights broad & deep market penetration strong balance she t performance • total loans and leases increased by 2.6% annualized • noninterest-bearing deposits represented 26.7% of total deposits • tier 1 capital ratio of 14.45% and total capital ratio of 15.48% • total common equity to tangible assets increased to 6.30% from 6.19% • common shares repurchased $17.0 million earnings highlights • $1.47 diluted earnings per common share • $63.8 million net income • $43.3 million noninterest income • net interest margin expanded for the ninth consecutive quarter to 2.78% • 1.27% cost of deposits • 15.47% return on average common equity strong credit credit remains pristine • 0.10% net charge-off rate • 0.08% non-performing assets • 80% of loan portfolio real estate-secured with wtd avg LTV of 51% • allowance for credit losses to loan and leases outstanding 1.03% note: changes are in comparison to linked quarter unless specified otherwise 3

leader in a unique deposit market the leader in a unique deposit market with five local competitors holding 95% of the bank deposit market, with consistent long-term growth BOH 28.3% FHB 30.5% ASB 18.2% CPF 14.4% TBNK 4.2% other 4.4% 2005 BOH 34.1% FHB 32.5%ASB 14.4% CPF 11.7% TBNK 2.9% other 4.4% 2024 BOH 34.5% FHB 32.1%ASB 14.2% CPF 11.6% TBNK 3.0% other 4.6% 2025 BOH 6.1% FHB 1.6% CPF -2.8% ASB -3.9% TBNK -1.2% -8% -6% -4% -2% 0% 2% 4% 6% 8% c h a n g e i n m a rk e t s h a re s in c e 2 0 0 5 4source: FDIC Annual Summary of Deposits as of June 30, 2020, June 30, 2024 and June 30, 2025. TBNK acquired by HOPE in April 2025. numbers may not add up due to rounding

cost of funds interest-bearing deposits 0.07% 0.11% 0.30% 0.69% 1.09% 1.54% 1.95% 2.30% 2.39% 2.46% 2.52% 2.37% 2.16% 2.16% 2.14% 1.94% 1.72% 1.73% 0.13% 0.20% 0.47% 0.93% 1.53% 2.11% 2.44% 2.73% 2.91% 2.99% 3.05% 2.84% 2.66% 2.63% 2.64% 2.46% 2.33% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 BOH KRX median source: S&P Capital IQ; KBW Regional Banking Index (KRX) 5

cost of funds total deposits 0.05% 0.07% 0.20% 0.46% 0.75% 1.08% 1.40% 1.67% 1.74% 1.81% 1.87% 1.77% 1.60% 1.60% 1.59% 1.43% 1.26% 1.27% 0.08% 0.12% 0.31% 0.64% 1.07% 1.49% 1.84% 2.09% 2.21% 2.27% 2.33% 2.17% 2.04% 1.99% 1.97% 1.87% 1.78% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 BOH KRX median source: S&P Capital IQ; KBW Regional Banking Index (KRX) 6

ongoing NIM expansion 2.11% 0.04% 0.03% 0.01% 0.13% 0.07% 0.07% 0.15% 0.13% 0.04% 2.78% 2.00% 2.10% 2.20% 2.30% 2.40% 2.50% 2.60% 2.70% 2.80% 2.90% 1Q24 NIM 2Q24 vs 1Q24 3Q24 vs 2Q24 4Q24 vs 3Q24 1Q25 vs 4Q24 2Q25 vs 1Q25 3Q25 vs 2Q25 4Q25 vs 3Q25 1Q26 vs 4Q25 2Q26 vs 1Q26 2Q26 NIM 7

credit performance

lending philosophy Hawaiʻi 94% U.S. mainland 2% West Pacific 4% we lend in our core markets to long-standing relationships note: as of June 30, 2026 9

consumer portfolio asset type % total consumer % total loans WALTV wtd avg FICO residential mortgage 61% 34% 50% 803 home equity 26% 15% 46% 788 real estate secured 86% n/a 49% 799 automobile 8% 5% n/a 729 other consumer 5% 3% n/a 761 total consumer 100% 56% n/a 791 $8.0B consumer notes: $ in billions; numbers may not add up due to rounding other consumer primarily comprised of consumer revolving credit, installment, and auto lease financing wtd avg monitoring FICO for other consumer utilizes origination FICO for auto lease financing 56% of total loans 10 residential mortgage $4.9 home equity $2.1 automobile $0.7 other consumer $0.4

C&I $1.7 CRE $4.3 construction $0.2 leasing $0.1 commercial portfolio residential mortgage home equity $6.2B commercial asset type % total comml % total loans WALTV commercial real estate 69% 30% 55% construction 3% 1% 56% real estate secured 72% n/a 55% commercial & industrial 27% 12% n/a leasing 1% 1% n/a total commercial 100% 44% n/a note: $ in billions; numbers may not add up due to rounding 44% of total loans 11

vacancy inventory (sq ft) 1Q26 1Q25 10 yr avg 10 yr CAGR industrial 1.40% 1.21% 1.60% 0.63% office 12.40% 12.77% 12.41% -0.94% retail 6.01% 5.44% 6.13% 0.29% multi-family 3.63% 4.16% 4.64% 0.45% Oahu market vacancies and inventory stable real estate market note: 10-year average and 10-yr CAGR for inventory are based on years 2016 through 2025 source: Colliers (industrial, office, retail) and CoStar (multi-family) 12

multi-family 8.3% industrial 5.8% retail 5.3% lodging 4.4% office 2.2% other 4.3% commercial real estate (CRE) residential mortgage home equity 30% of total loans or $4.3 billion asset type WALTV avg. exposure ($MMs) multi-family 57% 3.8 industrial 56% 2.8 retail 54% 4.5 lodging 54% 14.8 office 57% 1.6 other 52% 4.4 total CRE 55% 3.7 note: % in chart above is % of total loans 13

CRE scheduled maturities 13.3% 10.7% 9.6% 4.3% 14.5% 47.7% 0 500 1,000 1,500 2,000 2,500 2026 2027 2028 2029 2030 2031+ $ m ill io n s modest near-term maturities 14

63.0% 26.2% 8.0% 1.9% 0.02% 0.9% 0 500 1,000 1,500 2,000 2,500 ≤ 60% > 60% to 70% > 70% to 80% > 80% to 85% > 85% to 90% > 90% $ m ill io n s CRE loan balances by LTV LTV > 80% - $121 million, 2.8% of CRE 15

AOAO 3.6% real estate investors 1.5% auto dealers 1.0% lodging 0.8% renewable energy 0.7% transportation 0.7% educational svcs 0.5% wholesale trade 0.4%other 2.5% commercial & industrial residential mortgage home equity 12% of total loans or $1.7 billion industry % leveraged avg. exposure ($MMs) AOAO 0% 1.9 RE investors 0% 1.2 auto dealers 16% 4.7 lodging 30% 5.5 renewable energy 0% 2.6 transportation 40% 1.8 educational svcs 0% 2.1 wholesale trade 30% 0.5 other 6% 0.4 total C&I 8% 0.8 16 note: % in chart above is % of total loans

credit quality 0.07% 0.07% 0.12% 0.03% 0.10% $0 $0 $0 $0 $0 $0 $0 $0 $0 2Q25 3Q25 4Q25 1Q26 2Q26 net charge-offs NCOs/average loans 1 93% of total criticized is real estate secured with 58% wtd avg LTV 0.33% 0.29% 0.36% 0.40% 0.41% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 2Q25 3Q25 4Q25 1Q26 2Q26 delinquencies delinquencies/period-end loans 2.06% 2.05% 2.12% 2.12% 2.81% 2Q25 3Q25 4Q25 1Q26 2Q26 criticized criticized/period-end loans 1 17 0.13% 0.12% 0.10% 0.09% 0.08% 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% 0.40% 2Q25 3Q25 4Q25 1Q26 2Q26 non-performing assets NPAs/period-end loans plus OREO

financial update

NII and NIM trends ninth consecutive quarter of NII and NIM expansion $ in millions $125 $133 $142 $141 $136 $124 $121 $116 $114 $115 $118 $120 $126 $130 $137 $145 $151 $154 2.34% 2.47% 2.60% 2.60% 2.47% 2.22% 2.13% 2.13% 2.11% 2.15% 2.18% 2.19% 2.32% 2.39% 2.46% 2.61% 2.74% 2.78% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NII NIM 19

cashflow repricing total quarterly impact to NII from cashflows repricing: +$2.8 million note: +$2.8 million in quarterly impact from cashflows repricing assumes that the cashflows from maturities/prepayments from loans were reinvested into the same products and the cashflows from maturities/prepayments from investment portfolio were reinvested into securities at an average rate of 5.2%, equivalent to average yield at the time of purchase of the securities purchased in 2Q26; excludes cashflows from securities repricing; numbers may not add up due to rounding 5.0% 6.4% 1.4% 5.1% 5.7% 0.6% 3.0% 5.2% 2.2% 4.2% 5.9% 1.6% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% 7.0% 8.0% matured/run-off yield reinvestment opportunities incremental spread 2Q26 maturities/prepayments reinvestment opportunities fixed loans adjustable loans inv. portfolio total $323 $112 $269 $704 $- $100 $200 $300 $400 $500 $600 $700 $800 2Q26 maturities/prepayments fixed loans adjustable loans inv. portfolio total 20 $ in millions

deposit mix shift and repricing quarterly NII impact from deposit mix shift and repricing in 2Q26: $(0.7) million $(749) $(967) $(800) $(627) $(488) $(448) $(315) $(105) $(37) $(59) $(104) $100 $94 $(107) $(1,000) $(800) $(600) $(400) $(200) $- $200 1Q23 vs 4Q22 2Q23 vs 1Q23 3Q23 vs 2Q23 4Q23 vs 3Q23 1Q24 vs 4Q23 2Q24 vs 1Q24 3Q24 vs 2Q24 4Q24 vs 3Q24 1Q25 vs 4Q24 2Q25 vs 1Q25 3Q25 vs 2Q25 4Q25 vs 3Q25 1Q26 vs 4Q25 2Q26 vs 1Q26 QoQ change in average NIBD and low yield interest-bearing deposit balances note: low yield interest-bearing deposits include accounts yielding interest of 10 bps or less 21 $ in millions

22 NII impact from 25 bps Fed Funds hike rate sensitive earning assets balances rate sensitive deposit balances $3.5 $1.4 $1.4 $0.3 $- $1.0 $2.0 $3.0 $4.0 $ i n b ill io n s loans investments swaps FF sold $6.6B short-term & long-term NII impact: +$4.1mm per quarter short-term NII impact: $(3.1)mm per quarter long-term NII Impact: $(4.4)mm per quarter note: loans, investments and swap balances are as of June 30, 2026; FF sold balance is 2Q26 end of period balance; rate sensitive deposit balances are 2Q26 average balances; low-yield accounts are accounts yielding interest of 10 bps or less; all of qualified business money management checking accounts are included in ‘IBD excl. low-yield accounts’; short-term NII impact per quarter for 25 bps FF increase from rate sensitive deposits assumes 24% beta on total deposits; long-term NII impact per quarter for 25 bps FF increase from rate sensitive deposits assumes 34% beta on total deposits; numbers may not add up due to rounding. immediate NII accretion with modest headwinds developing over time $6.2 $1.3 $2.7 $- $1.0 $2.0 $3.0 $4.0 $5.0 $6.0 $7.0 $ i n b ill io n s savings excl. low-yield accounts IBD excl. low-yield accounts time $10.2B

trend in cost of deposits 23 0.0% 16.3% 28.1%28.6%28.1% 31.0% 36.1%35.5% 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 downward beta on total deposits 0.05% 0.07% 0.20% 0.46% 0.75% 1.08% 1.40% 1.67% 1.74% 1.81% 1.87% 1.77% 1.60%1.60%1.59% 1.43% 1.26%1.27% 0.07%0.11% 0.30% 0.69% 1.09% 1.54% 1.95% 2.30% 2.39% 2.46% 2.52% 2.37% 2.16%2.16%2.14% 1.94% 1.72%1.73% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 total deposit cost interest-bearing deposit cost

24 optimizing balance sheet $1.0 $1.7 $1.7 $1.7 $1.5 $1.3 $1.3 $1.5 $1.1 $1.1 $0.9 $1.0 $1.0 $1.3 $1.3 $1.3 $1.3 $0.7 $0.7 $0.7 $0.3 $0.4 $0.3 $0.4 $- $0.2 $2.0 $3.0 $3.0 $3.0 $2.8 $2.0 $2.0 $2.2 $1.4 $1.5 $1.2 $1.4 $0.0 $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 $3.5 $ i n b ill io n s active swap composition fixed rate loans AFS securities 72% 67% 61% 55% 55% 54% 53% 57% 56% 55% 57% 57% 59% 58% 27% 27% 28% 29% 29% 29% 30% 32% 33% 33% 34% 33% 35% 35% 0% 1% 9% 13% 13% 14% 12% 9% 9% 10% 6% 7% 5% 6% 1% 5% 2% 3% 3% 3% 4% 2% 3% 2% 3% 3% 1% 1% 0% 20% 40% 60% 80% 100% 3/31/23 6/30/23 9/30/23 12/31/23 3/31/24 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 earning asset composition fixed float/adjustable swaps fed funds sold 100% 56% 44% 67% 81% 93% 100% 100% 100% 44% 56% 33% 19% 7% $(166) $236 $233 $241 $276 $223 $308 $373 $73 $(200) $(100) $- $100 $200 $300 $400 $500 $ i n m ill io n s securities purchases / sales fixed floating note: swaps in ‘earning asset composition’ and ‘swap composition’ do not include $200 million of forward swaps; securities purchases / sales reflect par value

noninterest income & expense $ in millions 25note: numbers may not add up due to rounding; “non-recurring compensation related charge” refers to the accelerated vesting pursuant to the retirement provision of performance-based restricted stock granted in 2024 and 2025 $44.8 $41.3 $43.3 $0 $10 $20 $30 $40 $50 2Q25 1Q26 2Q26 $112.6 $3.5 $110.8 $116.1 $111.2 $0 $20 $40 $60 $80 $100 $120 2Q25 1Q26 2Q26 non-recurring compensation related charge reported noninterest income reported noninterest expense

financial summary $ in millions, except per share amounts 2Q 2026 1Q 2026 2Q 2025 ∆ 1Q 2026 ∆ 2Q 2025 net interest income $ 153.6 $ 151.0 $ 129.7 $ 2.6 $ 23.9 noninterest income 43.3 41.3 44.8 2.0 (1.5) total revenue 196.9 192.3 174.5 4.6 22.4 noninterest expense 111.2 116.1 110.8 (4.9) 0.4 operating income 85.7 76.3 63.7 9.5 22.0 credit provision 3.6 1.8 3.3 1.9 0.4 income taxes 18.3 17.1 12.8 1.2 5.5 net income $ 63.8 $ 57.4 $ 47.6 $ 6.4 $ 16.2 net income available to common $ 58.5 $ 52.2 $ 42.4 $ 6.4 $ 16.2 diluted EPS $ 1.47 $ 1.30 $ 1.06 $ 0.17 $ 0.41 return on assets 1.07 % 0.97 % 0.81 % 0.10 % 0.26 % return on common equity 15.47 13.90 12.50 1.57 2.97 net interest margin 2.78 2.74 2.39 0.04 0.39 end of period balances investment portfolio $ 7,689 $ 7,886 $ 7,553 (2.5) % 1.8 % loans and leases 14,287 14,193 14,002 0.7 2.0 total deposits 20,893 20,958 20,799 (0.3) 0.5 shareholders' equity 1,875 1,855 1,743 1.1 7.6 note: 2Q26 financials are preliminary; numbers may not add up due to rounding 26

capital note: 2Q26 regulatory capital ratios are preliminary 6.50% 6.50% 6.50% 8.00% 8.00% 8.00% 10.00% 10.00% 10.00% 5.00% 5.00% 5.00% 5.64% 5.56% 5.62% 6.49% 6.40% 6.45% 5.54% 5.44% 5.48% 3.57% 3.62% 3.70% 12.14%12.06% 12.12% 14.49%14.40%14.45% 15.54%15.44%15.48% 8.57% 8.62% 8.70% 4Q25 1Q26 2Q26 4Q25 1Q26 2Q26 4Q25 1Q26 2Q26 4Q25 1Q26 2Q26 CET1 tier 1 capital total capital tier 1 leverage well-capitalized excess 13.6% BOHC strong capital 27 60.2% 60.6% 76.1% BOHC 1Q26 BOHC 2Q26 KRX median 1Q26 1 RWA / total assets

✔ NII and NIM increased for the ninth consecutive quarter ✔ dominant market position in a unique market ✔ exceptional credit quality ✔ strong liquidity and risk-based capital takeaways 28

Q & A

appendix

note: as of June 30, 2026, cash includes fed funds sold, interest-bearing deposits in other banks and cash and due from banks, and securities available includes unencumbered investment securities Bank of Hawai‘i carries substantial liquidity lines and equivalents for both day-to-day operational and liquidity backstop purposes FRB FHLB securities available cash uninsured/ uncollateralized deposits $10.6B $7.6B readily available liquidity 31

insured/collateralized deposits uninsured/ uncollateralized 36% uninsured/ collateralized 10% insured 53% note: as of June 30, 2026; numbers may not add up due to rounding 32

Oahu market inventory 33 CRE supply constraints 10-yr CAGR: 0.6% 10-yr CAGR: -0.9% 10-yr CAGR: 0.3% 10-yr CAGR: 0.4% note: 10-yr CAGR for inventory are based on years 2016 through 2025 source: Colliers (industrial, office, retail) and CoStar (multi-family) 0 5 10 15 20 25 30 35 40 45 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 s q u a re f e e t (m il li o n s ) industrial 0 5 10 15 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 s q u a re f e e t (m il li o n s ) office 0 5 10 15 20 25 30 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 u n it s ( th o u s a n d s ) multi-family 0 5 10 15 20 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 s q u a re f e e t (m ill io n s ) retail

CRE office 2% of total loans • 57% wtd avg LTV • $1.6MM average exposure • 18% CBD (downtown Honolulu) - 62% wtd avg LTV - 68% with repayment guaranties • 28% maturing prior to 2028 • 2.7% criticized highlights LTV ≤ 60% 53% LTV > 60% to 70% 35% LTV > 70% to 80% 6% LTV > 80% 6% LTV distribution $316MM 34 22.7% 5.0% 11.5% 2.4% 17.1% 41.4% - 50 100 150 200 250 300 2026 2027 2028 2029 2030 2031+ $ m ill io n s scheduled maturity

CRE multi-family 8% of total loans • 57% wtd avg LTV • $3.8MM average exposure • 100.0% LIHTC, affordable or market • 15% maturing prior to 2028 • 2.3% criticized highlights LTV ≤ 60% 52% LTV > 60% to 70% 31% LTV > 70% to 80% 11% LTV > 80% 6% LTV distribution 11.4% 3.6% 3.8% 2.4% 9.2% 69.6% - 300 600 900 2026 2027 2028 2029 2030 2031+ $ m ill io n s scheduled maturity $1.2B 35

single family homes condominiums YTD-26 YTD-25 Δ YTD-25 YTD-26 YTD-25 Δ YTD-25 median sales price (000s) $1,180 $1,150 2.6% $515 $507 1.5% closed sales 1,386 1,334 3.9% 2,053 2,101 -2.3% median days on market 18 22 4 days 43 41 2 days stable real estate prices Oahu market indicators – YTD 2026 as of June 2026 source: Honolulu Board of Realtors, compiled from MLS data 36

2.5% 2.5% 2.5% 4.3% 1 Q 2 0 2 Q 2 0 3 Q 2 0 4 Q 2 0 1 Q 2 1 2 Q 2 1 3 Q 2 1 4 Q 2 1 1 Q 2 2 2 Q 2 2 3 Q 2 2 4 Q 2 2 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 4 Q 2 5 1 Q 2 6 2 Q 2 6 3 Q 2 6 4 Q 2 6 Hawai‘i unemployment Hawai‘i unemployment forecast national unemployment unemployment experience & forecast source for Hawai‘i unemployment: University of Hawaii Economic Research Organization (UHERO), quarterly data, seasonally adjusted source for national unemployment: Bureau of Labor Statistics, quarterly data, seasonally adjusted national unemployment in 4Q25 reflects average of Nov 2025 and Dec 2025 rate 37

38 visitor arrivals units in persons source: Hawaii Department of Business, Economic Development, and Tourism (DBEDT) - 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 500,000 550,000 600,000 650,000 700,000 May-19 May-20 May-21 May-22 May-23 May-24 May-25 May-26 US visitor Japan other

visitor spend $ in millions 39source: Hawaii Department of Business, Economic Development, and Tourism (DBEDT) $0 $250 $500 $750 $1,000 $1,250 $1,500 $1,750 $2,000 $2,250 $2,500

revenue per available room revenue per available room (RevPAR) 40source: Hawaii Department of Business, Economic Development, and Tourism (DBEDT) $0 $30 $60 $90 $120 $150 $180 $210 $240 $270 $300 $330 $360

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

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Local phone number for entity.

+ References

No definition available.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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- Definition

Title of a 12(b) registered security.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Name of the Exchange on which a security is registered.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-Subsection 12

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Trading symbol of an instrument as listed on an exchange.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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-Name Securities Act

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