News Release

Honolulu, November 12, 2025 - First Hawaiian Bank (FHB) once again received a rating of “Outstanding” in its most recent evaluation by the Federal Deposit Insurance Corporation (FDIC) for its performance under the Community Reinvestment Act (CRA) of 1977. This “Outstanding” rating is the FDIC’s highest performance rating and encompasses FHB’s community development activities. The CRA encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. FHB is the only Hawai‘i bank to receive an “Outstanding” rating from the FDIC for 11 consecutive evaluation periods, since 1995.

“We are proud to earn our eleventh consecutive “Outstanding” rating from the FDIC,” said Bob Harrison, Chairman, President and Chief Executive Officer. “This recognition is a testament to our longstanding partnerships with community organizations and the hard work of our dedicated employees. We remain committed to serving our community and delivering financial security to our customers.”

During the recent evaluation period, from January 18, 2022, through June 2, 2025, FHB made loans totaling $1.7 billion to support affordable housing projects, non-profit organizations serving low- and moderate-income individuals, economic development, and the revitalization and stabilization of low- and moderate-income areas. The FDIC’s evaluation report noted that FHB “is a leader in making community development loans,” recognized the bank’s “excellent level of qualified community development investments and grants” to support various community development initiatives and touted the bank as having an “excellent level of retail banking and community development services.” The FDIC also noted that FHB “exhibits an overall excellent record of serving the credit needs of the most economically disadvantaged in its Hawai‘i assessment areas, including very small businesses and low-income individuals, consistent with safe and sound banking practices.”

FHB employees are encouraged and supported by the bank to participate directly in community reinvestment efforts. During the evaluation period for this reporting metric, FHB employees volunteered a total of 21,726 hours for community development services. Aside from providing financial education, the hours were dedicated to organizations that provide affordable housing, promote economic development, or those that revitalize or stabilize low- to moderate-income or distressed neighborhoods, with the majority of time spent supporting community services targeted to low- or moderate-income individuals and families.

FHB also makes extensive use of innovative and flexible lending practices and complex investments in support of affordable housing initiatives, economic development for small businesses and rural areas, and consumers and businesses affected by Typhoon Mawar in Guam and CNMI in May 2023, and the Maui Wildfires in August 2023.

A few initiatives to highlight include:

• Invested in 13 low-income housing tax credit projects totaling $169 million, providing 1,335 affordable housing units.
• Launched the Typhoon Mawar Hardship Relief Program, offering payment deferrals and fee waivers to affected customers.
• Partnered with the Hawaii Bankers Association to support the Hawai‘i Community Foundation’s Maui Strong Fund through the Aloha for Maui campaign donating $250,000 to kick off fundraising efforts and helping to raise a total of $1 million to aid those in need on Maui.
• Implemented financial relief efforts for personal loans, lines of credit, auto loans, credit cards, and mortgages, and waived ATM fees at all Maui FHB locations.

Examiners used the Interagency Large Institution Examination Procedures to evaluate the bank’s lending, investment, and service activity for CRA performance. The assessment areas reviewed included the entire state of Hawai‘i, Guam, and the Commonwealth of the Northern Mariana Islands (CNMI).