First Hawaiian Bank vs Hawaii National Bank
Comparing a Bank in Honolulu, HI with a Bank in Honolulu, HI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First Hawaiian Bank ↗ Bank · Honolulu, HI · Est. 1858 | Hawaii National Bank ↗ Bank · Honolulu, HI · Est. 1960 | |
|---|---|---|
| Trust Grade | B · 85/100 | A · 96/100 |
| Institution type | Bank | Bank |
| Location | Honolulu, HI | Honolulu, HI |
| Total assets | $24.3B | $883.5M |
| Capital ratio | 11.4% | 10.6% |
| Return on assets | 1.2% | 0.8% |
| Deposits | $20.8B | $784.6M |
| Branches | 49 | 10 |
| CFPB complaints | 132 | 0 |
| Complaints / $1B assets | 5.4 | — |
| On-time responses | 100.0% | — |
| State rank | #5 of 6 | #1 of 6 |
| Established | 1858 | 1960 |
First Hawaiian Bank
- Assets: $24.3B
- Deposits: $20.8B
- Capital ratio: 11.4%
- Return on assets: 1.2%
- CFPB complaints: 132
- State rank: #5 of 6
Hawaii National Bank
- Assets: $883.5M
- Deposits: $784.6M
- Capital ratio: 10.6%
- Return on assets: 0.8%
- CFPB complaints: 0
- State rank: #1 of 6
Are both institutions federally insured?
Yes. First Hawaiian Bank is FDIC-insured and Hawaii National Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, First Hawaiian Bank or Hawaii National Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hawaii National Bank scores higher with a grade of A (96/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is First Hawaiian Bank safe?
Yes — First Hawaiian Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is B (85/100), reflecting its financial strength and complaint history relative to peers.
Is Hawaii National Bank safe?
Yes — Hawaii National Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (96/100).
What is the capital ratio of First Hawaiian Bank vs Hawaii National Bank?
First Hawaiian Bank has a capital ratio of 11.4%, placing it in the top 50% of $10B–100B peers. Hawaii National Bank's ratio is 10.6%, placing it in the top 44% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First Hawaiian Bank have compared to Hawaii National Bank?
The CFPB database shows 132 complaints against First Hawaiian Bank (5.4 per $1B in assets), and 0 complaints against Hawaii National Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare First Hawaiian Bank with other Banks in Hawaii
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
