Risk factors

First Hawaiian (FHB) risk factors

Item 1A of every First Hawaiian, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    49 risks1 new2 dropped6 reworded

    First Hawaiian added a new goodwill impairment risk, reporting $995.5 million in goodwill as of December 31, 2025 and 2024.

    Filed Feb 27, 2026
  • FY2024 10-K risk factors
    50 risks

    First Hawaiian faces intense geographic and economic concentration risks in Hawaii, Guam, and Saipan. The bank depends heavily on real estate loans, which comprise 74 percent of its total portfolio. Customer deposits totaling $20.3 billion drive its primary funding base. Extensive banking regulations and compliance requirements significantly impact operational costs.

    Filed Feb 28, 2025