HIGHBuilt-inLoan_portfolio
75%
real estate loans
“10-K Item 1A: 'our real estate loans represented approximately $10.7 billion, or 75% of our total loan and lease portfolio'”
FHB · Concentration risk · 10-K extracted
First Hawaiian (FHB) concentration risks
Updated
The most significant concentration First Hawaiian discloses is real estate loans at 75%, classified HIGH 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: First Hawaiian’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH2
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).
HIGHBuilt-inLoan_portfolio
56%
commercial lending
“10-K Item 1A: 'Commercial lending represents approximately 56% of our total loan and lease portfolio as of December 31, 2025'”
MEDIUMBuilt-inLoan_portfolio
32%
commercial real estate loans
“10-K Item 1A: 'our commercial real estate loans represented approximately $4.6 billion or 32% of our total loan and lease portfolio'”
MEDIUMBuilt-inGeographic
Hawaii
“10-K Item 1A: 'customers primarily in Hawaii, Guam and Saipan ... geographic concentration, could adversely impact us and our borrowers'”
MEDIUMOutside partyLoan_portfolio
top five dealer relationships
“10-K Item 1A: 'our top five dealer relationships represented approximately 40% of our outstanding dealer flooring commitments as of December 31, 2025'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The bank's disclosed concentration profile is dominated by real estate lending, layered with geographic concentration and a secondary dependency on dealer relationships. The most prominent exposure is the overall real estate share of the loan and lease portfolio. Real estate loans represented approximately 75% of total loans and leases — a high share by disclosed size — and the character is structural: the bank operates in markets where real estate financing is the predominant form of credit demand. Within that, commercial lending represents approximately 56% of the total loan and lease portfolio, also a high share and structural in nature, reflecting the franchise's orientation toward business clients. Drilling further, commercial real estate loans alone represented approximately 32% of the total loan and lease portfolio, a medium share by disclosed size. Layered on top is a geographic concentration in Hawaii, Guam, and Saipan, a medium-share structural exposure — the bank's footprint is intentionally regional, so economic cycles, natural events, or policy changes specific to those markets would have an outsized bearing on results relative to a nationally diversified bank. A secondary dependency exists in dealer flooring: the top five dealer relationships account for a medium share of outstanding commitments, a dependency exposure where relationship loss or drawdown behavior could affect that segment. Together, these exposures are well-understood features of the franchise model rather than idiosyncratic risks.
For the engine’s reasoning on FHB’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 |
| FHB● | First Hawaiian, Inc. | 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 |
| 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.