MEDIUMBuilt-inLoan_portfolio
33.9%
residential mortgage loans
“10-K Item 1A: 'our residential mortgage loans represented $4.8 billion, or 33.9%, of our total loan and lease portfolio'”
BOH · Concentration risk · 10-K extracted
Bank of Hawaii (BOH) concentration risks
Updated
The most significant concentration Bank of Hawaii discloses is residential mortgage loans at 33.9%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Bank of Hawaii’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH0
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
29.9%
commercial mortgage loans
“10-K Item 1A: 'our commercial mortgage loans represented approximately $4.2 billion, or 29.9%, of our total loan and lease portfolio'”
MEDIUMBuilt-inGeographic
Hawaii and Pacific Islands
“10-K Item 1A: 'Our business and operations are primarily concentrated in Hawaiʻi and the Pacific Islands.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile combines loan-portfolio composition and geographic concentration, all three claims sitting at a moderate share by disclosed size. Residential mortgage loans represented $4.8 billion, or 33.9%, of the total loan and lease portfolio — the single largest disclosed category, reflecting the traditional deposit-funded mortgage business that characterizes a community-oriented bank franchise. Commercial mortgage loans added approximately $4.2 billion, or 29.9%, of the same total. Together, mortgage-related credits account for roughly two-thirds of the portfolio by these disclosures, creating a structural tilt toward real estate that is characteristic but not unusual for a regional bank. Both loan-book concentrations are structural in character: they reflect the natural composition of lending in markets where real estate is a dominant asset class rather than reliance on any individual borrower or sector. However, the combined real estate exposure means the portfolio's credit quality is correlated with local property values and interest-rate dynamics in ways that a more diversified loan book would partially absorb. The geographic concentration reinforces this point: the company's business and operations are primarily concentrated in Hawaii and the Pacific Islands, also a moderate-share exposure. This regional focus ties the combined mortgage and commercial portfolio to local economic cycles, tourism-driven income dynamics, and the specific real estate market of a geographically isolated economy. On balance, the disclosures describe a coherent but regionally concentrated franchise where the three exposures point in the same direction rather than diversifying across independent risks.
For the engine’s reasoning on BOH’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| BOH● | Bank of Hawaii Corporation | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.