Year in Review
Strengthening Connections Across Our Communities
In 2025, Bank of Hawaii advanced its ongoing commitment to the people and places we serve through major branch investments, digital enhancements, and community partnerships. From Lahaina to Guam, each milestone reflects our focus on connection, innovation and service across Hawaii and the Pacific.
Our new West Pacific Regional Headquarters in Guam.
Branches, Reimagined
2025 was a landmark year for our branch network, with five major projects completed across Hawaii and the West Pacific. Each new or renovated Branch of Tomorrow represents an investment in all our customers and communities, combining modern design with the personalized service that defines Bank of Hawaii.
Returning to Lahaina
In May, we reopened our Lahaina Branch at Lahaina Cannery Mall, signaling a return to a community that we have served since 1930. The new 3,400 sq. ft. Branch of Tomorrow celebrates Lahaina’s history through art and design and provides personalized financial services for residents and businesses rebuilding after the 2023 wildfires.
As part of our dedication to Lahaina’s recovery, Bank of Hawaii Foundation contributed $100,000 to the Holomua Collective, a nonprofit organization committed to making Hawaii more affordable for working families.
The grant was matched by an additional $150,000 from the Federal Home Loan Bank of Des Moines, totaling $250,000 in direct community assistance to residents at risk of foreclosure.
Expanding in the West Pacific
In July, we opened our new West Pacific Regional Headquarters in Tamuning, Guam. The 18,361 sq. ft. facility unites our West Pacific operations—including The Private Bank, Commercial Banking, Dealer Indirect Lending, Mortgage, and Contact Center—under one roof. The building also includes our latest Branch of Tomorrow enhancements as part of our ongoing commitment to the region.
Investing in our communities
Three additional Branch of Tomorrow renovations were completed this year: Hana, Maui and two Hawaii Island locations, Ka‘ū and Kona. Each was designed to elevate the customer experience by blending advanced technology with customized services and more private space for consultations. Work is underway on the next phase of our renovations, with KTA Pū‘āinakō on Hawaii Island, Kaunakakai on Molokai, and our Lanai Branch scheduled for 2026.
Bank of Hawaii Branches and ATMs
as of Dec. 31 2025
| Branches | ATMs | |
|---|---|---|
| State of Hawaii | 47 | 273 |
| Oahu | 25 | 185 |
| Hawaii Island | 8 | 40 |
| Maui | 8 | 27 |
| Kauai | 4 | 19 |
| Lanai | 1 | 1 |
| Molokai | 1 | 1 |
| West Pacific | 4 | 48 |
| Guam | 2 | 35 |
| Saipan | 1 | 8 |
| Palau | 1 | 5 |
| Total | 51 | 321 |
Employees celebrated our Branch of Tomorrow renovation in Ka‘ū.
Our new Bank of Hawaii branch in Lahaina, Maui.
A private blessing marked the completion of our updated Hāna Branch.
Introducing Bankoh Arena
The University of Hawaii at Manoa’s iconic sports venue was renamed Bankoh Arena at Stan Sheriff Center in August as part of our 10-year partnership with UH Athletics. The refreshed name celebrates the deep roots of Bank of Hawaii in the community and our role as a familiar, trusted presence across generations.
Bank by Appointment
Customers showed a strong preference for personalized service across both digital and in-person channels in 2025. In addition to walk-in appointments, more than 49,311 online appointments were booked through our convenient Bank by Appointment feature, averaging 4,109 scheduled appointments each month.
Bankoh Advisors
In 2025, Bank of Hawaii took a transformative step to elevate its investment services and insurance offerings by entering into a networking agreement with Cetera Investment Services to provide broker-dealer services. This positions us to deliver a next-generation client experience by combining advanced technology, expanded investment resources, and streamlined operations with the personalized guidance our clients have relied on for decades.
Customers continue to work with the same representatives they know and trust. By aligning with Cetera’s capabilities, our local financial professionals at Bankoh Advisors offer a more modern client experience.
Expanding Digital Access
Digital banking continues to evolve as customers increasingly seek flexibility and convenience.
In the first year since upgrading to our new Mobile & Online Banking platforms in 2024, engagement was strong:
- 350,000+ customers enrolled in digital banking, with more than 80% using our mobile app
- 6.4 million average monthly logins, up 21% from 2024
Continuing great reviews for our mobile app:
- 4.8 stars on Apple® App Store®
- 4.7 stars on Google Play®
10.3 million mobile wallet transactions
- up 30% from 2024 (Apple Pay®, Samsung Pay®, Google Pay®)
Strong adoption of new debit card management tools:
- 29% of debit card activations now handled digitally
- 36% of debit card PIN management now handled digitally
189,700 Zelle® customers
Embracing Innovation
We introduced generative artificial intelligence (GenAI) tools to enhance operational efficiency, customer service, and employee experience in 2025. Access to Microsoft® Copilot® was rolled out to all employees in July, providing new capabilities to improve productivity and streamline daily tasks.
A robust governance framework was established to ensure responsible AI use, which incorporates policies, oversight committees, and ethical review protocols aligned with the bank’s values and regulatory standards.
This thoughtful approach enables us to harness innovation while safeguarding customer trust, data privacy, and operational integrity.
Atmos Rewards
In October, Hawaiian Airlines and Alaska Airlines combined their loyalty programs, bringing HawaiianMiles into Atmos Rewards. The change is bringing a unified experience for our Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® and Bankoh Hawaiian Airlines Visa® Debit Card members.
As this transition from our longstanding program with Hawaiian Airlines took shape, we focused on ensuring a smooth experience for our customers. Our teams remain closely involved with communications and support, helping cardholders gain confidence with the new program and benefits.
Supporting Small Businesses
Every day, our bankers partner with local business owners to go beyond transactions—anticipating needs, delivering tailored strategies, and helping businesses grow. Supporting small businesses remains central to our commitment to this unique market. This includes our association with Mana Up, a local accelerator and venture fund, which is helping to globally expand the reach of Hawai‘i-based companies.
In 2025, we strengthened that commitment through long-term programs designed to drive growth and visibility:
- Food Truck Day returned for a second year outside our Main Branch in downtown Honolulu, offering exposure and revenue opportunities for local food vendors on the third Thursday of every month. On some days, Mana Up businesses were also invited to sell their products alongside the food trucks.
- Our annual Mana Up Mentorship Program welcomed its fourth cohort in April, pairing Bank of Hawai‘i leaders with emerging local business owners to provide guidance in leadership, finance and growth strategy. Since its start, we’ve provided a significant amount of hours mentoring local businesses through this program.
- Inside our Branch of Tomorrow locations, we are spotlighting local businesses in our digital displays, celebrating the dedication and innovation of our small business community.
Cohort 3 of our Mana Up Mentorship Program concluded in early 2025 after several months of learning alongside Bank of Hawaii mentors.
Homeownership and Affordable Housing
Owning a home is more than just having a roof over your head. It’s a cornerstone of financial security and independence. In Hawaii, where housing costs are among the highest in the nation and inventory is limited, homeownership can feel out of reach for many families. We focus on expanding access to housing across the islands, which is an essential step toward stronger, more resilient communities.
Bank of Hawaii remains one of the only local lenders offering loans through the HUD 184A Native Hawaiian Housing Loan Guarantee Program, helping Department of Hawaiian Home Lands (DHHL) beneficiaries access financing for homeownership.
Bank of Hawaii was the No. 1 overall residential real estate lender in the state
in number and dollars of residential real estate loans originated in 2025, according to the Bureau of Conveyances.
We continue to invest in affordable housing solutions, financing developments that create hundreds of homes each year.
Among this year’s highlights:
Kalepa Village, Lihue, Kauai
On Kauai, our support helped bring to life the revitalized Kalepa Village—a multi-phase affordable community just outside Līhu‘e. Currently under construction, Kalepa Village will offer a mix of one-, two-, and three-bedroom apartments that are affordable for low- to very low-income families. Bank of Hawaii supported the 80-unit project with a $1.3 million permanent loan.
Kaiaulu o Kupuohi, Lahaina, Maui
In Lahaina, the rebuilt Kaiaulu o Kupuohi is a place to call home following the devastating wildfires of 2023. The 89-unit complex offers one-, two-, and three-bedroom apartments for residents earning up to 60% of the Area Median Income (AMI). Each apartment is outfitted with modern conveniences, energy-efficient appliances, and balconies or patios. Financing included $8.2 million in permanent funding and $15 million in equity.
Kaiaulu o Kukuia, Lahaina, Maui
Among the largest properties in our affordable housing investment is Kaiaulu o Kukuia, a 200-unit permanent rental community in Lahaina for low-income households. The development offers a mix of two-, three- and four-bedroom homes, built in 25 two-story, plantation-style buildings that reflect the character of Lahaina’s heritage. The property also features a community room and a picnic area. Bank of Hawaii supported the project with a $53-million construction loan and $27 million in equity.
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