Form 8-K

8-K — BANK OF HAWAII CORP

Accession: 0000046195-26-000062

Filed: 2026-10-26

Period: 2026-10-26

CIK: 0000046195

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — boh-20261026.htm (Primary)

EX-99.1 (ex991earningsrelease093026.htm)

EX-99.2 (ex992-bohearningspresent.htm)

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8-K

8-K (Primary)

Filename: boh-20261026.htm · Sequence: 1

boh-20261026

false000004619500000461952026-10-262026-10-260000046195us-gaap:CommonStockMember2026-10-262026-10-260000046195us-gaap:SeriesAPreferredStockMember2026-10-262026-10-260000046195us-gaap:SeriesBPreferredStockMember2026-10-262026-10-26

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 October 26, 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 October 26, 2026, Bank of Hawaii Corporation announced its results of operations for the quarter ended September 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

October 26, 2026 Press Release: Bank of Hawaii Corporation Third 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 Third 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: October 26, 2026

Bank of Hawaii Corporation

By: /s/ Patrick M. McGuirk

Patrick M. McGuirk

Vice Chair and Chief Administrative Officer

EX-99.1

Filename: ex991earningsrelease093026.htm · Sequence: 2

Document

Exhibit 99.1

Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results

•Diluted Earnings Per Common Share of $1.49

•Net Income of $64.3 Million

•Net Interest Margin Increased to 2.82%

•Share Repurchases of $20.2 Million

•Share Repurchase Program Increased by $200 Million

FOR IMMEDIATE RELEASE

HONOLULU, HI (October 26, 2026) -- Bank of Hawai‘i Corporation (NYSE: BOH) (the “Company”) today reported diluted earnings per common share of $1.49 for the third quarter of 2026, compared with $1.47 during the linked quarter. Net income for the quarter was $64.3 million, up 0.7% from the linked quarter. The return on average common equity for the third quarter of 2026 was 15.38% compared with 15.47% during the linked quarter.

“Bank of Hawai‘i delivered another quarter of solid performance, supported by continued expense discipline,” said Jim Polk, President and CEO. “Net interest margin expanded for the tenth consecutive quarter, reflecting the ongoing benefit of asset repricing and the positive impact of deposit repricing actions. Loan balances increased from the prior quarter, our funding profile remained resilient, and credit quality stayed healthy. We remain focused on enhancing earnings while maintaining the financial strength and resilience that differentiate our franchise. ”

Financial Highlights

Net interest income for the third quarter of 2026 was $156.1 million, an increase of 1.6% 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). The benefits were 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).

Net interest margin was 2.82% in the third 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.

Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results

Page 2

The average yield on total earning assets was 4.13% and the average yield on loans and leases was 4.82% in the third quarter of 2026, up 5 basis points and 3 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, including floating rate loans, during the quarter were originated at a weighted average rate of 5.89%.

The average quarterly rate of interest-bearing deposits was 1.72% and the average quarterly rate of total deposits, including noninterest-bearing deposits, was 1.27%, down 1 basis point and unchanged, respectively, from the linked quarter.

Noninterest income was $42.7 million in the third quarter of 2026, a decrease of 1.4% from the linked quarter. Noninterest income included a $0.6 million and a $0.4 million charge related to a Visa Class B share conversion ratio change in the third quarter of 2026 and linked quarter, respectively. Adjusted for these items, noninterest income for the third quarter of 2026 was down 0.9% from the linked quarter. The decrease was primarily due to lower gains on leased asset sales and seasonally higher trust-related tax services revenue in the linked quarter, partially offset by stronger deposit fees.

Noninterest expense was $112.3 million in the third quarter of 2026, an increase of 1.0% from the linked quarter. Noninterest expense in the linked quarter included a $0.5 million net benefit related to the forfeiture of restricted stock awards. Adjusted for this item, noninterest expense for the third quarter of 2026 increased by 0.5% from the linked quarter. The increase was primarily due to higher net equipment and net occupancy expenses.

The effective tax rate for the third quarter of 2026 was 23.24% compared to 22.31% during the linked quarter. The higher effective tax rate in the current quarter as compared to the linked quarter was primarily due to an increase in valuation allowance related to low-income housing investments.

Asset Quality

The Company’s overall asset quality remained stable during the third quarter of 2026. Provision for credit losses for the third quarter of 2026 was $2.8 million, down $0.9 million from the linked quarter.

Total non-performing assets were $43.4 million at September 30, 2026, up $31.9 million from June 30, 2026. Non-performing assets as a percentage of total loans and leases and foreclosed real estate were 0.30% at the end of the quarter, an increase of 22 basis points from the linked quarter. The increase was primarily due to a single commercial mortgage being placed on non-accrual status in the third quarter of 2026 due to borrower specific circumstances on this particular loan and is not believed to represent broader credit deterioration in the loan portfolio.

Net loan and lease charge-offs during the third quarter of 2026 were $3.3 million or 9 basis points annualized of total average loans and leases outstanding. Gross charge-offs of $4.7 million were partially offset by gross recoveries of $1.4 million. Compared to the linked quarter, net loan and lease charge-offs decreased by $0.1 million or 1 basis point annualized on total average loans and leases outstanding.

The allowance for credit losses on loans and leases was $146.2 million at September 30, 2026, a decrease of $0.8 million from June 30, 2026. The ratio of the allowance for credit losses to total loans and leases outstanding was 1.02% at the end of the quarter, a decrease of 1 basis point from June 30, 2026.

Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results

Page 3

Balance Sheet

Total assets were $23.8 billion at September 30, 2026, a decrease of 1.5% 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.

The investment securities portfolio was $7.5 billion at September 30, 2026, a decrease of 3.3% from December 31, 2025. The decrease was primarily due to portfolio runoff, including maturities and paydowns, a decline in the fair value of our available-for-sale investment portfolio, partially offset by purchases of 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 $14.4 billion at September 30, 2026, an increase of 2.1% from December 31, 2025. Total commercial loans were $6.3 billion at September 30, 2026, an increase of 3.8% from December 31, 2025. The increase was primarily due to commercial mortgage and commercial and industrial production. Total consumer loans were $8.1 billion at September 30, 2026, an increase of 0.7% from December 31, 2025. Both commercial and consumer loan originations during the period were partially offset by amortization and paydowns.

Total deposits were $20.5 billion at September 30, 2026, a decrease of 3.3% from December 31, 2025. The decrease was primarily driven by the strategic runoff of public funds and lower commercial deposit balances. Noninterest-bearing deposits made up 26.5% of total deposit balances at September 30, 2026, down from 27.2% at December 31, 2025. Average total deposits were $20.7 billion for the third quarter of 2026, down 1.5% from December 31, 2025, primarily reflecting lower commercial deposit balances during the period.

Capital and Dividends

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

The Tier 1 Capital Ratio was 14.41% at September 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 8.79% at September 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 256 thousand shares of common stock at a total cost of $20.2 million under the share repurchase program in the third quarter of 2026. Total remaining buyback authority under the share repurchase program was $68.7 million at September 30, 2026. Subsequent to quarter end, the Board of Directors increased the authorization under the share repurchase program by $200 million to $268.7 million.

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 December 14, 2026 to shareholders of record at the close of business on November 30, 2026.

Bank of Hawai‘i Corporation Third Quarter 2026 Financial Results

Page 4

On October 2, 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 November 2, 2026 to shareholders of record of the preferred stock as of the close of business on October 16, 2026.

Conference Call Information

The Company will review its third 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 conference call can be accessed via the link: https://register-conf.media-server.com/register/BIca3756a1006c4dff84049e53b338c6cf. A replay of the conference call will be available for one year beginning at approximately 11:00 a.m. Hawai‘i Time on Monday, October 26, 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 1a

Three Months Ended Nine Months Ended

(dollars in thousands, except per share amounts) September 30,

2026 June 30,

2026 September 30,

2025 September 30,

2026 September 30,

2025

For the Period:

Operating Results

Net Interest Income $ 156,054 $ 153,604 $ 136,675 $ 460,648 $ 392,165

Provision for Credit Losses 2,750 3,600 2,500 8,100 9,000

Total Noninterest Income 42,706 43,299 45,966 127,337 134,819

Total Noninterest Expense 112,304 111,186 112,387 339,561 333,629

Pre-Provision Net Revenue 86,456 85,717 70,254 248,424 193,355

Net Income 64,258 63,799 53,345 185,489 144,967

Net Income Available to Common Shareholders 58,989 58,530 48,076 169,681 129,159

Basic Earnings Per Common Share 1.50 1.48 1.21 4.30 3.26

Diluted Earnings Per Common Share 1.49 1.47 1.20 4.27 3.24

Dividends Declared Per Common Share 0.70 0.70 0.70 2.10 2.10

Performance Ratios

Return on Average Assets 1.07 % 1.07 % 0.88 % 1.04 % 0.82 %

Return on Average Shareholders' Equity 13.66 13.74 12.10 13.30 11.34

Return on Average Common Equity 15.38 15.47 13.59 14.92 12.65

Efficiency Ratio 1

56.50 56.47 61.53 57.75 63.31

Net Interest Margin 2

2.82 2.78 2.46 2.78 2.39

Dividend Payout Ratio 3

46.67 47.30 57.85 48.84 64.42

Average Shareholders' Equity to Average Assets 7.85 7.81 7.29 7.82 7.20

Average Balances

Average Loans and Leases $ 14,305,379 $ 14,218,951 $ 13,982,003 $ 14,203,547 $ 14,030,773

Average Assets 23,768,568 23,861,848 23,995,037 23,848,046 23,744,661

Average Deposits 20,662,379 20,826,923 21,068,286 20,800,655 20,813,967

Average Shareholders' Equity 1,866,297 1,862,499 1,748,576 1,865,317 1,709,788

Per Share of Common Stock

Book Value $ 37.77 $ 38.81 $ 36.35 $ 37.77 $ 36.35

Tangible Book Value 36.97 38.01 35.56 36.97 35.56

Market Value

Closing 68.92 81.49 65.64 68.92 65.64

High 86.31 83.18 71.90 86.31 76.00

Low 68.51 70.07 60.32 67.04 57.45

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.

Bank of Hawai‘i Corporation and Subsidiaries

Financial Highlights Table 1b

(dollars in thousands) September 30

2026 June 30

2026 December 31

2025 September 30

2025

As of Period End:

Balance Sheet Totals

Loans and Leases $ 14,371,336 $ 14,286,625 $ 14,082,050 $ 14,021,579

Total Assets 23,819,536 23,842,940 24,176,364 24,014,609

Total Deposits 20,481,558 20,892,775 21,188,495 21,080,669

Other Debt 853,098 508,124 558,176 558,201

Total Shareholders' Equity 1,826,076 1,875,467 1,851,212 1,791,183

Asset Quality

Non-Performing Assets $ 43,412 $ 11,478 $ 14,171 $ 16,864

Allowance for Credit Losses - Loans and Leases 146,170 146,995 146,766 148,778

Allowance to Loans and Leases Outstanding 1

1.02 % 1.03 % 1.04 % 1.06 %

Capital Ratios 2

Common Equity Tier 1 Capital Ratio 3

12.10 % 12.12 % 12.14 % 11.98 %

Tier 1 Capital Ratio 14.41 14.45 14.49 14.34

Total Capital Ratio 15.43 15.48 15.54 15.40

Tier 1 Leverage Ratio 8.79 8.70 8.57 8.44

Total Shareholders' Equity to Total Assets 7.67 7.87 7.66 7.46

Tangible Common Equity to Tangible Assets 4

6.09 6.30 6.11 5.90

Tangible Common Equity to Risk-Weighted Assets 4

9.94 10.38 10.35 9.95

Non-Financial Data

Full-Time Equivalent Employees 5

1,865 1,910 1,877 1,905

Branches 52 52 51 51

ATMs 308 315 320 322

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

2 Regulatory capital ratios as of September 30, 2026 are preliminary.

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

4 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”.

5 Full-time equivalent employees as of June 30, 2026 includes summer interns.

Bank of Hawai‘i Corporation and Subsidiaries

Consolidated Statements of Income Table 2

Three Months Ended Nine Months Ended

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

Interest Income

Interest and Fees on Loans and Leases $ 172,271 $ 168,624 $ 169,411 $ 505,364 $ 499,272

Income on Investment Securities

Available-for-Sale 36,313 36,397 29,702 107,285 81,077

Held-to-Maturity 17,460 18,056 19,332 54,057 59,458

Cash and Cash Equivalents 1,674 1,726 8,195 6,729 17,472

Other 1,431 1,313 1,068 4,037 3,250

Total Interest Income 229,149 226,116 227,708 677,472 660,529

Interest Expense

Deposits 65,950 65,804 84,590 196,640 248,758

Securities Sold Under Agreements to Repurchase 496 491 496 1,473 1,731

Other Debt 6,649 6,217 5,947 18,711 17,875

Total Interest Expense 73,095 72,512 91,033 216,824 268,364

Net Interest Income 156,054 153,604 136,675 460,648 392,165

Provision for Credit Losses 2,750 3,600 2,500 8,100 9,000

Net Interest Income After Provision for Credit Losses 153,304 150,004 134,175 452,548 383,165

Noninterest Income

Trust and Asset Management 13,420 13,712 12,598 39,577 36,436

Fees, Exchange, and Other Service Charges 10,839 11,127 15,219 32,894 44,039

Service Charges on Deposit Accounts 9,052 8,353 8,510 25,845 24,888

Bank-Owned Life Insurance 3,877 3,923 3,681 11,947 11,006

Annuity and Insurance 2,117 2,017 1,095 5,603 4,087

Mortgage Banking 906 839 906 2,621 2,743

Investment Securities Losses, Net (1,493) (1,287) (1,945) (4,052) (4,678)

Other 3,988 4,615 5,902 12,902 16,298

Total Noninterest Income 42,706 43,299 45,966 127,337 134,819

Noninterest Expense

Salaries and Benefits 62,308 62,642 62,905 193,407 187,097

Net Equipment 11,307 10,604 10,285 32,522 30,454

Net Occupancy 11,197 10,868 10,932 32,847 31,990

Professional Fees 5,571 5,276 4,022 15,073 12,549

Data Processing 5,474 5,463 5,603 16,518 16,326

FDIC Insurance 3,004 2,978 3,508 8,701 8,790

Other 13,443 13,355 15,132 40,493 46,423

Total Noninterest Expense 112,304 111,186 112,387 339,561 333,629

Income Before Provision for Income Taxes 83,706 82,117 67,754 240,324 184,355

Provision for Income Taxes 19,448 18,318 14,409 54,835 39,388

Net Income $ 64,258 $ 63,799 $ 53,345 $ 185,489 $ 144,967

Preferred Stock Dividends 5,269 5,269 5,269 15,808 15,808

Net Income Available to Common Shareholders $ 58,989 $ 58,530 $ 48,076 $ 169,681 $ 129,159

Basic Earnings Per Common Share $ 1.50 $ 1.48 $ 1.21 $ 4.30 $ 3.26

Diluted Earnings Per Common Share $ 1.49 $ 1.47 $ 1.20 $ 4.27 $ 3.24

Dividends Declared Per Common Share $ 0.70 $ 0.70 $ 0.70 $ 2.10 $ 2.10

Basic Weighted Average Common Shares 39,316,506 39,513,447 39,655,741 39,464,588 39,611,372

Diluted Weighted Average Common Shares 39,553,225 39,734,782 39,980,931 39,732,180 39,919,998

Bank of Hawai‘i Corporation and Subsidiaries

Consolidated Statements of Condition Table 3

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

Assets

Cash and Cash Equivalents $ 442,032 $ 452,814 $ 946,520 $ 985,223

Investment Securities

Available-for-Sale 3,523,442 3,618,515 3,510,652 3,280,410

Held-to-Maturity (Fair Value of $3,201,942; $3,452,980; $3,651,966; and $3,717,573)

3,974,033 4,070,908 4,245,681 4,340,032

Loans Held for Sale 3,971 5,089 4,369 1,236

Loans and Leases 14,371,336 14,286,625 14,082,050 14,021,579

Allowance for Credit Losses (146,170) (146,995) (146,766) (148,778)

Net Loans and Leases 14,225,166 14,139,630 13,935,284 13,872,801

Premises and Equipment, Net 224,276 223,463 199,747 196,093

Operating Lease Right-of-Use Assets 87,449 84,519 83,424 82,804

Accrued Interest Receivable 71,749 70,646 69,899 69,224

Mortgage Servicing Rights 16,244 16,626 17,455 17,927

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

Bank-Owned Life Insurance 511,349 508,869 499,795 494,041

Other Assets 708,308 620,344 632,021 643,301

Total Assets $ 23,819,536 $ 23,842,940 $ 24,176,364 $ 24,014,609

Liabilities

Deposits

Noninterest-Bearing Demand $ 5,429,216 $ 5,575,291 $ 5,755,371 $ 5,400,943

Interest-Bearing Demand 3,739,272 4,075,694 3,910,952 3,813,921

Savings 8,595,032 8,705,102 8,741,090 8,814,451

Time 2,718,038 2,536,688 2,781,082 3,051,354

Total Deposits 20,481,558 20,892,775 21,188,495 21,080,669

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

Other Debt 853,098 508,124 558,176 558,201

Operating Lease Liabilities 96,499 93,568 92,402 91,690

Retirement Benefits Payable 25,236 25,496 20,139 23,352

Accrued Interest Payable 16,675 16,390 22,370 27,580

Other Liabilities 470,394 381,120 393,570 391,934

Total Liabilities 21,993,460 21,967,473 22,325,152 22,223,426

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: September 30, 2026 - 59,035,722 / 39,209,600; June 30, 2026 - 59,020,336 / 39,439,677; December 31, 2025 - 58,780,253 / 39,725,698 and September 30, 2025 - 58,779,666 / 39,785,201)

590 590 587 587

Capital Surplus 679,084 675,654 664,781 659,922

Accumulated Other Comprehensive Loss (307,653) (243,475) (244,438) (276,251)

Retained Earnings 2,291,275 2,260,152 2,205,707 2,178,263

Treasury Stock, at Cost (Shares: September 30, 2026 - 19,826,122; June 30, 2026 - 19,580,659; December 31, 2025 - 19,054,555; and September 30, 2025 - 18,994,465)

(1,182,220) (1,162,454) (1,120,425) (1,116,338)

Total Shareholders’ Equity 1,826,076 1,875,467 1,851,212 1,791,183

Total Liabilities and Shareholders’ Equity $ 23,819,536 $ 23,842,940 $ 24,176,364 $ 24,014,609

Bank of Hawai‘i Corporation and Subsidiaries

Average Balances and Interest Rates - Taxable-Equivalent Basis 1

Table 4a

Three Months Ended September 30, 2026 Three Months Ended June 30, 2026 Three Months Ended September 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 $ 187.7 $ 1.7 3.49 % $ 196.2 $ 1.7 3.48 % $ 744.3 $ 8.2 4.31 %

Investment Securities

Available-for-Sale

Taxable 3,602.0 36.0 3.99 3,669.5 36.1 3.93 3,157.8 29.3 3.70

Non-Taxable 31.6 0.4 5.14 31.7 0.4 5.08 32.4 0.5 5.98

Held-to-Maturity

Taxable 3,995.2 17.3 1.74 4,091.6 17.9 1.75 4,363.9 19.2 1.76

Non-Taxable 32.9 0.2 1.92 33.4 0.2 2.10 33.8 0.2 2.10

Total Investment Securities 7,661.7 53.9 2.81 7,826.2 54.6 2.79 7,587.9 49.2 2.59

Loans Held for Sale 2.9 0.0 5.83 2.7 0.0 6.20 1.6 0.0 5.92

Loans and Leases 3

Commercial Mortgage 4,393.9 57.1 5.15 4,314.9 55.7 5.17 4,016.3 54.3 5.36

Commercial and Industrial 1,656.2 20.6 4.92 1,624.6 19.5 4.83 1,600.7 20.5 5.09

Construction 145.7 2.2 6.09 209.7 3.3 6.30 394.4 7.3 7.32

Commercial Lease Financing 83.6 0.9 4.47 84.6 0.9 4.26 93.0 1.0 4.11

Residential Mortgage 4,854.9 50.2 4.13 4,812.6 48.9 4.06 4,638.1 46.7 4.02

Home Equity 2,080.5 24.5 4.68 2,085.3 24.1 4.63 2,129.6 23.9 4.46

Automobile 670.9 9.7 5.75 677.4 9.5 5.65 706.9 9.5 5.35

Other 419.7 8.2 7.78 409.9 7.9 7.74 403.0 7.7 7.63

Total Loans and Leases 14,305.4 173.4 4.82 14,219.0 169.8 4.79 13,982.0 170.9 4.86

Other 83.7 1.5 6.85 82.8 1.4 6.34 65.3 1.1 6.54

Total Earning Assets 22,241.4 230.5 4.13 22,326.9 227.5 4.08 22,381.1 229.4 4.08

Non-Earning Assets 1,527.2 1,534.9 1,613.9

Total Assets $ 23,768.6 $ 23,861.8 $ 23,995.0

Interest-Bearing Liabilities

Interest-Bearing Deposits

Demand $ 3,836.6 $ 7.1 0.73 % $ 3,781.7 $ 7.4 0.78 % $ 3,781.0 $ 7.8 0.81 %

Savings 8,798.7 41.5 1.87 8,750.0 39.9 1.83 8,831.0 50.6 2.28

Time 2,555.8 17.3 2.69 2,707.6 18.5 2.75 3,057.6 26.2 3.40

Total Interest-Bearing Deposits 15,191.1 65.9 1.72 15,239.3 65.8 1.73 15,669.6 84.6 2.14

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

Other Debt 627.8 6.7 4.19 593.3 6.2 4.20 558.3 6.0 4.23

Total Interest-Bearing Liabilities 15,868.9 73.1 1.83 15,882.6 72.5 1.83 16,277.9 91.1 2.22

Net Interest Income $ 157.4 $ 155.0 $ 138.3

Interest Rate Spread 2.30 % 2.25 % 1.86 %

Net Interest Margin 2.82 % 2.78 % 2.46 %

Noninterest-Bearing Demand Deposits 5,471.3 5,587.6 5,398.7

Other Liabilities 562.1 529.1 569.8

Shareholders' Equity 1,866.3 1,862.5 1,748.6

Total Liabilities and Shareholders' Equity $ 23,768.6 $ 23,861.8 $ 23,995.0

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 $1.3 million, $1.4 million, and $1.7 million for the three months ended September 30, 2026, June 30, 2026, and September 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

Nine Months Ended September 30, 2026 Nine Months Ended September 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 $ 251.4 $ 6.7 3.53 % $ 533.5 $ 17.5 4.32 %

Investment Securities

Available-for-Sale

Taxable 3,623.2 106.3 3.91 2,979.8 80.2 3.59

Non-Taxable 31.8 1.2 5.10 27.0 1.2 5.85

Held-to-Maturity

Taxable 4,086.7 53.7 1.75 4,457.6 59.0 1.77

Non-Taxable 33.3 0.5 2.04 34.0 0.5 2.10

Total Investment Securities 7,775.0 161.7 2.77 7,498.4 140.9 2.51

Loans Held for Sale 3.1 0.1 5.71 2.0 0.1 5.89

Loans and Leases 3

Commercial Mortgage 4,310.4 166.7 5.17 4,018.9 160.5 5.34

Commercial and Industrial 1,621.7 58.8 4.85 1,657.1 62.9 5.07

Construction 190.1 9.0 6.31 366.6 20.0 7.28

Commercial Lease Financing 85.0 2.8 4.34 92.5 2.8 4.00

Residential Mortgage 4,816.7 146.9 4.07 4,627.2 137.1 3.95

Home Equity 2,089.6 72.2 4.62 2,141.8 69.7 4.35

Automobile 677.6 28.7 5.66 729.7 28.3 5.18

Other 412.4 23.9 7.76 397.0 22.3 7.52

Total Loans and Leases 14,203.5 509.0 4.79 14,030.8 503.6 4.80

Other 82.9 4.1 6.50 65.2 3.2 6.64

Total Earning Assets 22,315.9 681.6 4.08 22,129.9 665.3 4.01

Non-Earning Assets 1,532.1 1,614.8

Total Assets $ 23,848.0 $ 23,744.7

Interest-Bearing Liabilities

Interest-Bearing Deposits

Demand $ 3,819.1 $ 21.1 0.74 % $ 3,753.3 $ 22.4 0.80 %

Savings 8,739.5 120.0 1.84 8,652.4 146.0 2.25

Time 2,671.6 55.5 2.78 3,048.4 80.4 3.53

Total Interest-Bearing Deposits 15,230.2 196.6 1.73 15,454.1 248.8 2.15

Securities Sold Under Agreements to Repurchase 50.0 1.5 3.89 58.8 1.7 3.88

Other Debt 594.2 18.8 4.20 564.9 17.8 4.23

Total Interest-Bearing Liabilities 15,874.4 216.9 1.83 16,077.8 268.3 2.23

Net Interest Income $ 464.7 $ 397.0

Interest Rate Spread 2.25 % 1.78 %

Net Interest Margin 2.78 % 2.39 %

Noninterest-Bearing Demand Deposits 5,570.5 5,359.9

Other Liabilities 537.8 597.2

Shareholders’ Equity

1,865.3 1,709.8

Total Liabilities and Shareholders’ Equity

$ 23,848.0 $ 23,744.7

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 $4.1 million and $4.8 million for the nine months ended September 30, 2026 and September 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) September 30,

2026 June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025

Commercial

Commercial Mortgage $ 4,467,245 $ 4,319,221 $ 4,341,448 $ 4,205,791 $ 4,040,711

Commercial and Industrial 1,652,329 1,676,535 1,575,207 1,584,245 1,581,232

Construction 117,919 164,504 204,993 208,584 380,944

Lease Financing 81,556 85,338 84,651 88,303 92,213

Total Commercial 6,319,049 6,245,598 6,206,299 6,086,923 6,095,100

Consumer

Residential Mortgage 4,857,923 4,864,875 4,800,256 4,775,502 4,685,214

Home Equity 2,091,468 2,079,127 2,095,521 2,114,809 2,129,599

Automobile 671,597 674,899 680,570 690,376 699,244

Other 431,299 422,126 410,165 414,440 412,422

Total Consumer 8,052,287 8,041,027 7,986,512 7,995,127 7,926,479

Total Loans and Leases $ 14,371,336 $ 14,286,625 $ 14,192,811 $ 14,082,050 $ 14,021,579

Deposits

(dollars in thousands) September 30,

2026 June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025

Consumer $ 10,432,007 $ 10,454,082 $ 10,530,223 $ 10,466,617 $ 10,393,932

Commercial 7,977,291 8,167,262 8,340,279 8,597,265 8,348,396

Public and Other 2,072,260 2,271,431 2,087,428 2,124,613 2,338,341

Total Deposits $ 20,481,558 $ 20,892,775 $ 20,957,930 $ 21,188,495 $ 21,080,669

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) September 30,

2026 June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025

Non-Performing Assets

Non-Accrual Loans and Leases

Commercial

Commercial Mortgage $ 32,500 $ - $ - $ 2,085 $ 2,498

Commercial and Industrial 1,622 1,734 1,860 1,940 3,506

Total Commercial 34,122 1,734 1,860 4,025 6,004

Consumer

Residential Mortgage 5,068 5,348 5,410 5,382 5,628

Home Equity 4,051 4,225 4,525 4,469 5,107

Total Consumer 9,119 9,573 9,935 9,851 10,735

Total Non-Accrual Loans and Leases 43,241 11,307 11,795 13,876 16,739

Foreclosed Real Estate 171 171 295 295 125

Total Non-Performing Assets $ 43,412 $ 11,478 $ 12,090 $ 14,171 $ 16,864

Accruing Loans and Leases Past Due 90 Days or More

Consumer

Residential Mortgage $ 12,125 $ 8,887 $ 10,733 $ 8,834 $ 7,456

Home Equity 2,845 3,503 1,556 2,152 2,765

Automobile 919 763 672 520 525

Other 679 965 764 753 578

Total Consumer 16,568 14,118 13,725 12,259 11,324

Total Accruing Loans and Leases Past Due 90 Days or More $ 16,568 $ 14,118 $ 13,725 $ 12,259 $ 11,324

Total Loans and Leases $ 14,371,336 $ 14,286,625 $ 14,192,811 $ 14,082,050 $ 14,021,579

Ratio of Non-Accrual Loans and Leases to Total Loans and Leases 0.30 % 0.08 % 0.08 % 0.10 % 0.12 %

Ratio of Non-Performing Assets to Total Loans and Leases and Foreclosed Real Estate 0.30 % 0.08 % 0.09 % 0.10 % 0.12 %

Ratio of Non-Performing Assets to Total Assets 0.18 % 0.05 % 0.05 % 0.06 % 0.07 %

Ratio of Commercial Non-Performing Assets to Total Commercial Loans and Leases and Commercial Foreclosed Real Estate 0.54 % 0.03 % 0.03 % 0.07 % 0.10 %

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

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 0.42 % 0.18 % 0.18 % 0.19 % 0.20 %

Bank of Hawai‘i Corporation and Subsidiaries

Reserve for Credit Losses Table 7

Three Months Ended Nine Months Ended

(dollars in thousands) September 30, 2026 June 30,

2026 September 30, 2025 September 30, 2026 September 30, 2025

Balance at Beginning of Period $ 149,276 $ 149,078 $ 150,128 $ 148,403 $ 150,649

Loans and Leases Charged-Off

Commercial

Commercial and Industrial (168) (385) (171) (783) (1,776)

Consumer

Residential Mortgage (16) — — (31) —

Home Equity (253) (219) (28) (478) (258)

Automobile (1,799) (1,735) (1,368) (4,951) (4,372)

Other (2,477) (2,400) (2,392) (7,271) (7,273)

Total Loans and Leases Charged-Off (4,713) (4,739) (3,959) (13,514) (13,679)

Recoveries on Loans and Leases Previously Charged-Off

Commercial

Commercial Mortgage

— — — 1,617 —

Commercial and Industrial 41 72 98 166 253

Consumer

Residential Mortgage 8 22 58 41 80

Home Equity 58 77 177 272 485

Automobile 754 626 559 1,959 1,749

Other 538 540 490 1,668 1,514

Total Recoveries on Loans and Leases

1,399 1,337 1,382 5,723 4,081

Net Charged-Off - Loans and Leases (3,314) (3,402) (2,577) (7,791) (9,598)

Provision for Credit Losses:

Loans and Leases 2,489 3,435 2,812 7,195 9,848

Unfunded Commitments 261 165 (312) 905 (848)

Total Provision for Credit Losses 2,750 3,600 2,500 8,100 9,000

Balance at End of Period $ 148,712 $ 149,276 $ 150,051 $ 148,712 $ 150,051

Components

Allowance for Credit Losses - Loans and Leases $ 146,170 $ 146,995 $ 148,778 $ 146,170 $ 148,778

Reserve for Unfunded Commitments 2,542 2,281 1,273 2,542 1,273

Total Reserve for Credit Losses $ 148,712 $ 149,276 $ 150,051 $ 148,712 $ 150,051

Average Loans and Leases Outstanding $ 14,305,379 $ 14,218,951 $ 13,982,003 $ 14,203,547 $ 14,030,773

Ratio of Net Loans and Leases Charged-Off to Average Loans and Leases Outstanding (annualized) 0.09 % 0.10 % 0.07 % 0.07 % 0.09 %

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

1.02 % 1.03 % 1.06 % 1.02 % 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) September 30, 2026 June 30, 2026 December 31, 2025 September 30, 2025

Total Shareholders' Equity $ 1,826,076 $ 1,875,467 $ 1,851,212 $ 1,791,183

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

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

Tangible Common Equity $ 1,449,559 $ 1,498,950 $ 1,474,695 $ 1,414,666

Total Assets $ 23,819,536 $ 23,842,940 $ 24,176,364 $ 24,014,609

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

Tangible Assets $ 23,788,019 $ 23,811,423 $ 24,144,847 $ 23,983,092

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

$ 14,587,549 $ 14,442,396 $ 14,246,238 $ 14,215,866

Total Shareholders' Equity to Total Assets 7.67% 7.87% 7.66% 7.46%

Tangible Common Equity to Tangible Assets (Non-GAAP) 6.09% 6.30% 6.11% 5.90%

Tier 1 Capital Ratio 1

14.41% 14.45% 14.49% 14.34%

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

9.94% 10.38% 10.35% 9.95%

1Regulatory capital ratios as of September 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 third quarter 2026 financial report October 26, 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 third quarter 2026 highlights broad & deep market penetration strong balance she t performance • total commercial loans and total loans and leases increased by 5.1% and 2.7% on a YTD annualized basis, respectively • noninterest-bearing deposits represented 26.5% of total deposits • tier 1 capital ratio of 14.41% and total capital ratio of 15.43% • common shares repurchased $20.2 million • share repurchase program increased by $200 million to $268.7 million earnings highlights • $1.49 diluted earnings per common share • $64.3 million net income • $42.7 million noninterest income • 2.82% net interest margin, expanded for the tenth consecutive quarter • 1.27% cost of deposits • 15.38% return on average common equity strong credit credit remains pristine • 0.09% net charge-off rate • 80% of loan portfolio real estate-secured with wtd avg LTV of 51% • 1.02% allowance for credit losses to loan and leases outstanding 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 4source: FDIC Annual Summary of Deposits. TBNK acquired by HOPE in April 2025; numbers may not add up due to rounding BOH 6.7% FHB -0.3% CPF -2.6% ASB -3.5% TBNK -0.3% -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0% 6.0% 8.0% c h a n g e i n m a rk e t s h a re s in c e 2 0 0 6 BOH 27.6% FHB 31.6% ASB 17.9% CPF 14.3% TBNK 3.9% other 4.7% 2006 BOH 34.3% FHB 31.2%ASB 14.4% CPF 11.7% TBNK 3.6% other 4.8% 2026

cost of funds interest-bearing deposits source: S&P Capital IQ; KBW Regional Banking Index (KRX) 5 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% 1.72% 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% 2.33% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 BOH KRX median

cost of funds total deposits source: S&P Capital IQ; KBW Regional Banking Index (KRX) 6 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% 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% 1.78% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 BOH KRX median

$7.9 $8.0 $8.0 $8.0 $8.1 9/30/25 12/31/25 3/31/26 6/30/26 9/30/26 consumer loans loan growth $ in billions 7 $6.1 $6.1 $6.2 $6.2 $6.3 9/30/25 12/31/25 3/31/26 6/30/26 9/30/26 commercial loans +3.7% YoY +1.6% YoY $14.0 $14.1 $14.2 $14.3 $14.4 9/30/25 12/31/25 3/31/26 6/30/26 9/30/26 total loans +2.5% YoY

$11.9 $12.6 $13.4 $1.5 $1.1 $2.1 $13.4 $13.7 $15.5 3Q24 3Q25 3Q26 trust & asset management annuity & insurance wealth update $ in millions 8 $35.3 $36.4 $39.6 $4.1 $4.1 $5.6 $39.4 $40.5 $45.2 9M'24 9M'25 9M'26 trust & asset management annuity & insurance wealth initiative driving growth in trust & asset management and annuity & insurance fees +13.5% YoY +11.5% YoY note: numbers may not add up due to rounding

credit performance

lending philosophy Hawaiʻi 91% U.S. mainland 4% West Pacific 5% we lend in our core markets to long-standing relationships note: as of September 30, 2026 10

residential mortgage $4.9 home equity $2.1 automobile $0.7 other consumer $0.4 consumer portfolio asset type % total consumer % total loans WALTV wtd avg FICO residential mortgage 60% 34% 50% 803 home equity 26% 15% 46% 788 real estate secured 86% n/a 49% 798 automobile 8% 5% n/a 730 other consumer 5% 3% n/a 763 total consumer 100% 56% n/a 791 $8.1B 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 11

C&I $1.7 CRE $4.5 construction $0.1 leasing $0.1 commercial portfolio residential mortgage home equity $6.3B commercial asset type % total comml % total loans WALTV commercial real estate 71% 31% 55% construction 2% 1% 57% real estate secured 73% n/a 55% commercial & industrial 26% 11% 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 12

vacancy inventory (sq ft) 2Q26 2Q25 10 yr avg 10 yr CAGR industrial 1.43% 1.47% 1.60% 0.63% office 11.30% 13.20% 12.43% -0.94% retail 7.06% 5.33% 6.13% 0.29% multi-family 3.68% 3.77% 4.68% 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) 13

multi-family 9.2% industrial 5.9% retail 5.3% lodging 4.3% office 2.2% other 4.2% commercial real estate (CRE) residential mortgage home equity 31% of total loans or $4.5 billion asset type WALTV avg. exposure ($MMs) multi-family 58% 4.2 industrial 55% 2.8 retail 55% 4.4 lodging 53% 14.8 office 56% 1.6 other 52% 4.4 total CRE 55% 3.8 note: % in chart above is % of total loans 14

CRE scheduled maturities 7.3% 13.8% 10.0% 4.9% 13.9% 50.2% 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 15

62.5% 24.4% 10.8% 1.8% 0.1% 0.4% 0 500 1,000 1,500 2,000 2,500 3,000 ≤ 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% - $101 million, 2.3% of CRE 16

AOAO 3.6% real estate investors 1.3% auto dealers 0.9% renewable energy 0.7% lodging 0.7% transportation 0.7% educational svcs 0.5% wholesale trade 0.5%other 2.6% commercial & industrial residential mortgage home equity 11% of total loans or $1.7 billion industry % leveraged avg. exposure ($MMs) AOAO 0% 1.9 RE investors 0% 1.1 auto dealers 17% 4.6 lodging 27% 5.9 renewable energy 0% 2.7 transportation 39% 1.7 educational svcs 0% 2.0 wholesale trade 31% 0.5 other 6% 0.4 total C&I 8% 0.8 17 note: % in chart above is % of total loans

credit quality 0.07% 0.12% 0.03% 0.10% 0.09% $0 $0 $0 $0 $0 $0 $0 $0 $0 3Q25 4Q25 1Q26 2Q26 3Q26 net charge-offs NCOs/average loans 1 93% of total criticized is real estate secured with 61% wtd avg LTV 0.29% 0.36% 0.40% 0.41% 0.46% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 3Q25 4Q25 1Q26 2Q26 3Q26 delinquencies delinquencies/period-end loans 2.05% 2.12% 2.12% 2.81% 2.37% 3Q25 4Q25 1Q26 2Q26 3Q26 criticized criticized/period-end loans 1 18 0.12% 0.10% 0.09% 0.08% 0.30% 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% 0.40% 3Q25 4Q25 1Q26 2Q26 3Q26 non-performing assets NPAs/period-end loans plus OREO

financial update

NII and NIM trends tenth 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 $156 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% 2.82% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 NII NIM 20

cashflow repricing total quarterly impact to NII from cashflows repricing: +$2.9 million note: +$2.9 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 5.5%, equivalent to average yield at the time of purchase of the securities purchased in 3Q26; excludes cashflows from securities repricing; numbers may not add up due to rounding 4.7% 6.6% 1.9% 5.0% 5.9% 0.9% 2.8% 5.5% 2.7% 4.1% 6.1% 2.0% 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 3Q26 maturities/prepayments reinvestment opportunities fixed loans adjustable loans inv. portfolio total $274 $98 $197 $568 $- $100 $200 $300 $400 $500 $600 3Q26 maturities/prepayments fixed loans adjustable loans inv. portfolio total 21 $ in millions

deposit mix shift and repricing quarterly NII impact from deposit mix shift and repricing in 3Q26: $(1.4) million $(749) $(967) $(800) $(627) $(488) $(448) $(315) $(105) $(37) $(59) $(104) $100 $94 $(107) $(213) $(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 3Q26 vs 2Q26 QoQ change in average NIBD and low yield interest-bearing deposit balances 22 $ in millions note: low yield interest-bearing deposits include accounts yielding interest of 10 bps or less

23 NII impact from 25 bps Fed Funds hike rate sensitive earning assets balances rate sensitive deposit balances $3.6 $1.3 $1.6 $0.1 $- $1.0 $2.0 $3.0 $4.0 $ i n b ill io n s loans investments swaps Fed Funds $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: rate sensitive loans, investments and swap balances are as of September 30, 2026; Fed Funds balance is 3Q26 end of period balance; excludes rate impact on short-term borrowings; rate sensitive deposit balances are 3Q26 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 $6.3 $1.4 $2.6 $- $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 $10.3B

24 optimizing balance sheet 72% 67% 61% 55% 55% 54% 53% 57% 56% 55% 57% 57% 59% 58% 57% 27% 27% 28% 29% 29% 29% 30% 32% 33% 33% 34% 33% 35% 35% 35% 0% 1% 9% 13% 13% 14% 12% 9% 9% 10% 6% 7% 5% 6% 7% 1% 5% 2% 3% 3% 3% 4% 2% 3% 2% 3% 3% 1% 1% 0% 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 9/30/26 earning asset composition fixed float/adjustable swaps Fed Funds note: numbers may not add up due to rounding

noninterest income & expense $ in millions 25 $46.0 $43.3 $42.7 $0.0 $5.0 $10.0 $15.0 $20.0 $25.0 $30.0 $35.0 $40.0 $45.0 $50.0 3Q25 2Q26 3Q26 $112.4 $111.2 $112.3 $0.0 $20.0 $40.0 $60.0 $80.0 $100.0 $120.0 3Q25 2Q26 3Q26 reported noninterest income reported noninterest expense note: 3Q25 included approximately $3.0 million in fee income and $2.2 million in expenses from merchant services, which was sold in 4Q25

financial summary $ in millions, except per share amounts 3Q 2026 2Q 2026 3Q 2025 ∆ 2Q 2026 ∆ 3Q 2025 net interest income $ 156.1 $ 153.6 $ 136.7 $ 2.4 $ 19.4 noninterest income 42.7 43.3 46.0 (0.6) (3.3) total revenue 198.8 196.9 182.6 1.9 16.1 noninterest expense 112.3 111.2 112.4 1.1 (0.1) operating income 86.5 85.7 70.3 0.7 16.2 credit provision 2.8 3.6 2.5 (0.9) 0.3 income taxes 19.4 18.3 14.4 1.1 5.0 net income $ 64.3 $ 63.8 $ 53.3 $ 0.5 $ 10.9 net income available to common $ 59.0 $ 58.5 $ 48.1 $ 0.5 $ 10.9 diluted EPS $ 1.49 $ 1.47 $ 1.20 $ 0.02 $ 0.29 return on assets 1.07 % 1.07 % 0.88 % - % 0.19 % return on common equity 15.38 15.47 13.59 (0.09) 1.79 net interest margin 2.82 2.78 2.46 0.04 0.36 end of period balances investment portfolio $ 7,497 $ 7,689 $ 7,620 (2.5) % (1.6) % loans and leases 14,371 14,287 14,022 0.6 2.5 total deposits 20,482 20,893 21,081 (2.0) (2.8) shareholders' equity 1,826 1,875 1,791 (2.6) 1.9 26note: 3Q26 financials are preliminary; numbers may not add up due to rounding

capital 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% 5.62% 5.60% 6.49% 6.45% 6.41% 5.54% 5.48% 5.43% 3.57% 3.70% 3.79% 12.14%12.12% 12.10% 14.49%14.45%14.41% 15.54%15.48%15.43% 8.57% 8.70% 8.79% 4Q25 2Q26 3Q26 4Q25 2Q26 3Q26 4Q25 2Q26 3Q26 4Q25 2Q26 3Q26 CET1 tier 1 capital total capital tier 1 leverage well-capitalized excess 13.6% BOHC strong capital 27 60.6% 61.2% 76.6% BOHC 2Q26 BOHC 3Q26 KRX median 2Q26 1 RWA / total assets note: 3Q26 regulatory capital ratios are preliminary

✔ NII and NIM increased for the tenth 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 September 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 $10.2B $7.5B readily available liquidity 31

insured/collateralized deposits uninsured/ uncollateralized 37% uninsured/ collateralized 10% insured 54% note: as of September 30, 2026; numbers may not add up due to rounding 32

0 5 10 15 20 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2Q26 s q u a re f e e t (m ill io n s ) retail 0 5 10 15 20 25 30 35 40 45 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2Q26 s q u a re f e e t (m ill io n s ) industrial 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2Q26 u n it s ( th o u s a n d s ) multi-family 0 5 10 15 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2Q26 s q u a re f e e t (m ill io n s ) office

CRE office 2% of total loans • 56% wtd avg LTV • $1.6MM average exposure • 19% CBD (downtown Honolulu) - 65% wtd avg LTV - 67% with repayment guaranties • 13% maturing prior to 2028 • 2.5% criticized highlights LTV ≤ 60% 56% LTV > 60% to 70% 31% LTV > 70% to 80% 13% LTV > 80% 0.2% LTV distribution $318MM 34 8.5% 4.8% 10.9% 14.8% 16.8% 44.1% - 50 100 150 200 250 300 2026 2027 2028 2029 2030 2031+ $ m ill io n s scheduled maturity

CRE multi-family 9% of total loans • 58% wtd avg LTV • $4.2MM average exposure • 100.0% LIHTC, affordable or market • 13% maturing prior to 2028 • 2.1% criticized highlights LTV ≤ 60% 53% LTV > 60% to 70% 30% LTV > 70% to 80% 12% LTV > 80% 5% LTV distribution 0.5% 12.9% 6.4% 2.0% 8.2% 70.1% - 300 600 900 1,200 2026 2027 2028 2029 2030 2031+ $ m ill io n s scheduled maturity $1.3B 35

stable real estate prices Oahu market indicators – YTD 2026 as of Sep 2026 source: Honolulu Board of Realtors, compiled from MLS data 36 single family homes condominiums YTD-26 YTD-25 Δ YTD-25 YTD-26 YTD-25 Δ YTD-25 median sales price (000s) $1,180 $1,145 3.1% $515 $505 2.0% closed sales 2,243 2,118 5.9% 3,209 3,289 -2.4% median days on market 16 23 7 days 42 44 2 days

2.8% 2.5% 2.5% 4.1% 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 1 Q 2 7 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 Aug-19 Aug-20 Aug-21 Aug-22 Aug-23 Aug-24 Aug-25 Aug-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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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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