First Hawaiian(US:FHB)2025-10-24 17:00Financial Performance - Net income for Q3 2025 was $73.8 million[4,5] - Diluted earnings per share (EPS) increased to $0.59 in Q3 2025, compared to $0.58 in Q2 2025[4] - Net interest margin (NIM) increased by 8 basis points to 3.19%[4,6] - The efficiency ratio improved to 55.3% in Q3 2025, compared to 57.2% in Q2 2025[4] Balance Sheet - Total assets increased to $24.0987 billion as of September 30, 2025, compared to $23.8371 billion as of June 30, 2025[8] - Total deposits increased by $498.1 million to $20.7296 billion[8,9] - Total loans and leases decreased by $222.5 million[8,9] Asset Quality - The allowance for credit losses (ACL) to total loans and leases ratio was 1.17%[35,36] - A $4.5 million provision was recorded[6] Capital Management - The CET1 capital ratio was 13.2%[6] - The company repurchased 964 thousand shares of common stock at a total cost of $24 million[9]