Bank of Hawaii(US:BOH)2025-07-28 18:00Financial Performance - Bank of Hawai'i Corporation reported diluted earnings per common share of $1.06 [6] - Net income reached $47.6 million [6] - The net interest margin (NIM) expanded for the fifth consecutive quarter, reaching 2.39% from 2.32% [6] - Return on average common equity increased to 12.50% from 11.80% [6] Balance Sheet & Capital - The average cost of total deposits was 1.60% [6] - The Tier 1 capital ratio stood at 14.17%, and the total capital ratio was 15.23% [6] - The company experienced a $3.2 million positive impact to net interest income (NII) from cashflow repricing in 2Q25 [73] - Total quarterly impact to NII from deposit mix shift and repricing in 2Q25 was $(0.5) million [75] Credit Quality & Loan Portfolio - The net charge-off rate was low at 0.07% [6] - Non-performing assets represented 0.13% of the total [6] - 80% of the loan portfolio is real estate-secured, with a combined weighted average loan-to-value (WALTV) of 51% [6]