County banking markets / HI / 15003
HonoluluHawaii
FIPS 15003. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 4 counties in Hawaii’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,442) and highly concentrated on deposits (2,522).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
280 branch offices and 22 institutions in 1994; 147 and 13 in 2025. Deposits booked in the county went from $14.07B to $45.41B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | First Hawaiian Bank cert 17985 | $15.12B | 33.31% | 27 | 18.37% |
| 2 | Bank of Hawaii cert 18053 | $14.72B | 32.42% | 25 | 17.01% |
| 3 | American Savings Bank, FSB cert 32526 | $6.50B | 14.31% | 25 | 17.01% |
| 4 | Central Pacific Bank cert 17308 | $5.43B | 11.96% | 20 | 13.61% |
| 5 | Bank of Hope cert 26610 | $1.27B | 2.80% | 24 | 16.33% |
| 6 | Hawaii National Bank cert 18296 | $691.1M | 1.52% | 8 | 5.44% |
| 7 | HomeStreet Bank cert 32489 | $637.8M | 1.40% | 3 | 2.04% |
| 8 | Finance Factors, Ltd. cert 25158 | $496.7M | 1.09% | 9 | 6.12% |
| 9 | Commonwealth Business Bank cert 57873 | $272.9M | 0.60% | 2 | 1.36% |
| 10 | First Foundation Bank cert 58647 | $187.5M | 0.41% | 1 | 0.68% |
| 11 | Royal Business Bank cert 58816 | $58.8M | 0.13% | 1 | 0.68% |
| 12 | First American Trust, FSB cert 26312 | $15.9M | 0.03% | 1 | 0.68% |
| 13 | First-Citizens Bank & Trust Company cert 11063 | $0K | 0.00% | 1 | 0.68% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Hawaii, or read the methodology for the two HHI constructions and what they cannot tell you.