First Hawaiian, Inc. Reports Second Quarter 2025 Financial Results and Declares Dividend
First Hawaiian (NASDAQ:FHB) reported strong Q2 2025 financial results, with net income of $73.2 million, representing a 23.6% increase from the previous quarter. The bank's performance was driven by robust revenues, controlled expenses, and excellent credit quality. Key metrics include:
The bank achieved a net interest margin of 3.11%, up 3 basis points from Q1. Total loans increased by $58.8 million to $14.4 billion, while deposits grew by $15.6 million to $20.2 billion. The efficiency ratio improved to 57.2% from 58.2% in Q1.
The Board declared a quarterly dividend of $0.26 per share, payable on August 29, 2025. The company also repurchased 1.04 million shares at an average cost of $23.99 per share, totaling $25.0 million under its stock repurchase program.
First Hawaiian (NASDAQ:FHB) ha riportato solidi risultati finanziari nel secondo trimestre del 2025, con un utile netto di 73,2 milioni di dollari, che rappresenta un aumento del 23,6% rispetto al trimestre precedente. La performance della banca è stata sostenuta da ricavi robusti, spese controllate e un'eccellente qualità del credito. I principali indicatori includono:
La banca ha raggiunto un margine di interesse netto del 3,11%, in crescita di 3 punti base rispetto al primo trimestre. I prestiti totali sono aumentati di 58,8 milioni di dollari, arrivando a 14,4 miliardi di dollari, mentre i depositi sono cresciuti di 15,6 milioni di dollari, raggiungendo 20,2 miliardi di dollari. Il rapporto di efficienza è migliorato al 57,2% dal 58,2% del primo trimestre.
Il Consiglio ha dichiarato un dividendo trimestrale di 0,26 dollari per azione, pagabile il 29 agosto 2025. L’azienda ha inoltre riacquistato 1,04 milioni di azioni a un costo medio di 23,99 dollari per azione, per un totale di 25,0 milioni di dollari nell’ambito del suo programma di riacquisto azionario.
First Hawaiian (NASDAQ:FHB) reportó sólidos resultados financieros en el segundo trimestre de 2025, con un ingreso neto de 73,2 millones de dólares, lo que representa un aumento del 23,6% respecto al trimestre anterior. El desempeño del banco estuvo impulsado por ingresos sólidos, gastos controlados y excelente calidad crediticia. Las métricas clave incluyen:
El banco alcanzó un margen neto de interés del 3,11%, aumentando 3 puntos básicos desde el primer trimestre. Los préstamos totales aumentaron en 58,8 millones de dólares hasta 14,4 mil millones de dólares, mientras que los depósitos crecieron 15,6 millones de dólares hasta 20,2 mil millones de dólares. La proporción de eficiencia mejoró a 57,2% desde 58,2% en el primer trimestre.
La Junta declaró un dividendo trimestral de 0,26 dólares por acción, pagadero el 29 de agosto de 2025. La compañía también recompró 1,04 millones de acciones a un costo promedio de 23,99 dólares por acción, por un total de 25,0 millones de dólares bajo su programa de recompra de acciones.
퍼스트 하와이안 (NASDAQ:FHB)은 2025년 2분기 강력한 재무 실적을 보고했으며, 순이익 7,320만 달러로 전 분기 대비 23.6% 증가했습니다. 은행의 성과는 견고한 수익, 비용 통제, 우수한 신용 품질에 힘입은 것입니다. 주요 지표는 다음과 같습니다:
은행은 순이자마진 3.11%을 기록했으며, 이는 1분기 대비 3bp 상승한 수치입니다. 총 대출금은 5,880만 달러 증가하여 144억 달러에 달했으며, 예금은 1,560만 달러 증가하여 202억 달러를 기록했습니다. 효율성 비율은 1분기의 58.2%에서 57.2%로 개선되었습니다.
이사회는 주당 0.26달러 분기 배당금을 선언했으며, 지급일은 2025년 8월 29일입니다. 회사는 또한 주식 재매입 프로그램의 일환으로 평균 주당 23.99달러에 104만 주를 재매입하여 총 2,500만 달러를 사용했습니다.
First Hawaiian (NASDAQ:FHB) a publié de solides résultats financiers pour le deuxième trimestre 2025, avec un bénéfice net de 73,2 millions de dollars, soit une augmentation de 23,6 % par rapport au trimestre précédent. La performance de la banque a été portée par des revenus robustes, des dépenses maîtrisées et une excellente qualité du crédit. Les indicateurs clés comprennent :
La banque a atteint une marge nette d'intérêt de 3,11%, en hausse de 3 points de base par rapport au premier trimestre. Les prêts totaux ont augmenté de 58,8 millions de dollars pour atteindre 14,4 milliards de dollars, tandis que les dépôts ont progressé de 15,6 millions de dollars pour atteindre 20,2 milliards de dollars. Le ratio d'efficacité s'est amélioré à 57,2 % contre 58,2 % au premier trimestre.
Le conseil d'administration a déclaré un dividende trimestriel de 0,26 dollar par action, payable le 29 août 2025. La société a également racheté 1,04 million d'actions à un coût moyen de 23,99 dollars par action, pour un total de 25,0 millions de dollars dans le cadre de son programme de rachat d'actions.
First Hawaiian (NASDAQ:FHB) meldete starke Finanzergebnisse für das zweite Quartal 2025 mit einem Nettoeinkommen von 73,2 Millionen US-Dollar, was einem Anstieg von 23,6 % gegenüber dem Vorquartal entspricht. Die Leistung der Bank wurde durch robuste Einnahmen, kontrollierte Ausgaben und ausgezeichnete Kreditqualität getragen. Wichtige Kennzahlen umfassen:
Die Bank erzielte eine Nettozinsmarge von 3,11%, ein Anstieg um 3 Basispunkte gegenüber dem ersten Quartal. Die Gesamtkredite stiegen um 58,8 Millionen US-Dollar auf 14,4 Milliarden US-Dollar, während die Einlagen um 15,6 Millionen US-Dollar auf 20,2 Milliarden US-Dollar zunahmen. Die Effizienzquote verbesserte sich von 58,2 % im ersten Quartal auf 57,2 %.
Der Vorstand erklärte eine vierteljährliche Dividende von 0,26 US-Dollar je Aktie, zahlbar am 29. August 2025. Das Unternehmen kaufte außerdem 1,04 Millionen Aktien zu einem durchschnittlichen Preis von 23,99 US-Dollar pro Aktie zurück, was insgesamt 25,0 Millionen US-Dollar im Rahmen seines Aktienrückkaufprogramms entspricht.
- Net income increased 23.6% quarter-over-quarter to $73.2 million
- Net interest margin improved by 3 basis points to 3.11%
- Efficiency ratio improved to 57.2% from 58.2%
- Lower provision for credit losses of $4.5M vs $10.5M in Q1
- Strong capital ratios with CET1 at 13.03%
- Maintained excellent credit quality with low net charge-offs of 0.09%
- Non-performing assets increased to $28.6M (0.20%) from $20.2M (0.14%) in Q1
- Modest loan growth of only 0.4% quarter-over-quarter
- Minimal deposit growth of $15.6M quarter-over-quarter
Insights
First Hawaiian posts strong Q2 with 23.6% net income growth to $73.2M, improved efficiency, and excellent credit quality despite moderate loan growth.
First Hawaiian Bank delivered impressive Q2 2025 results, with
The bank's revenue growth was well-rounded. Net interest income increased to
On the expense side, management demonstrated strong cost discipline. Despite a slight
The bank's credit quality remains excellent with net charge-offs of just
Balance sheet growth was modest but positive, with total loans increasing by
A notable item was the
HONOLULU, July 25, 2025 (GLOBE NEWSWIRE) -- First Hawaiian, Inc. (NASDAQ:FHB), (“First Hawaiian” or the “Company”) today reported financial results for its quarter ended June 30, 2025.
“I’m happy to report that First Hawaiian Bank had an outstanding second quarter, and posted net income of
On July 23, 2025, the Company’s Board of Directors declared a quarterly cash dividend of
Second Quarter 2025 Highlights:
- Net income of
$73.2 million , or$0.58 per diluted share - Total loans and leases increased
$58.8 million versus prior quarter - Total deposits increased
$15.6 million versus prior quarter - Net interest margin increased 3 basis points to
3.11% - Recorded a
$4.5 million provision for credit losses - Provision for income taxes included a net benefit of
$5.1 million due a recent change in the California tax code - Board of Directors declared a quarterly dividend of
$0.26 per share
Balance Sheet
Total assets were
Gross loans and leases were
Total deposits were
Net Interest Income
Net interest income for the second quarter of 2025 was
The net interest margin was
Provision Expense
During the quarter ended June 30, 2025, we recorded a
Noninterest Income
Noninterest income was
Noninterest Expense
Noninterest expense was
The efficiency ratio was
Taxes
The effective tax rate was
Asset Quality
The allowance for credit losses was
Capital
Total stockholders' equity was
The tier 1 leverage, common equity tier 1 and total capital ratios were
The Company repurchased 1.04 million shares of common stock at a total cost of
First Hawaiian, Inc.
First Hawaiian, Inc. (NASDAQ:FHB) is a bank holding company headquartered in Honolulu, Hawaii. Its principal subsidiary, First Hawaiian Bank, founded in 1858 under the name Bishop & Company, is Hawaii’s oldest and largest financial institution with branch locations throughout Hawaii, Guam and Saipan. The company offers a comprehensive suite of banking services to consumer and commercial customers including deposit products, loans, wealth management, insurance, trust, retirement planning, credit card and merchant processing services. Customers may also access their accounts through ATMs, online and mobile banking channels. For more information about First Hawaiian, Inc., visit the Company’s website, www.fhb.com.
Conference Call Information
First Hawaiian will host a conference call to discuss the Company’s results today at 1:00 p.m. Eastern Time, 7:00 a.m. Hawaii Time.
To access the call by phone, please register via the following link:
https://register-conf.media-server.com/register/BI3617237efe0943198ba8998c36c623cc, and you will be provided with dial in details. To avoid delays, we encourage participants to dial into the conference call fifteen minutes ahead of the scheduled start time.
A live webcast of the conference call, including a slide presentation, will be available at the following link: www.fhb.com/earnings. The archive of the webcast will be available at the same location.
Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may”, “might”, “should”, “could”, “predict”, “potential”, “believe”, “expect”, “continue”, “will”, “anticipate”, “seek”, “estimate”, “intend”, “plan”, “projection”, “would”, “annualized” and “outlook”, or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management's beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, estimates and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, there can be no assurance that actual results will not prove to be materially different from the results expressed or implied by the forward-looking statements. A number of important factors could cause actual results or performance to differ materially from the forward-looking statements, including (without limitation) the risks and uncertainties associated with the domestic and global economic environment and capital market conditions and other risk factors. For a discussion of some of these risks and important factors that could affect our future results and financial condition, see our U.S. Securities and Exchange Commission (“SEC”) filings, including, but not limited to, our Annual Report on Form 10-K for the year ended December 31, 2024 and our Quarterly Report on Form 10-Q for the quarter ended March 31, 2025.
Use of Non-GAAP Financial Measures
Return on average tangible assets, return on average tangible stockholders’ equity, tangible book value per share and tangible stockholders’ equity to tangible assets are non-GAAP financial measures. We believe that these measurements are useful for investors, regulators, management and others to evaluate financial performance and capital adequacy relative to other financial institutions. Although these non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools and should not be considered in isolation or as a substitute for analysis of our results or financial condition as reported under GAAP. Investors should consider our performance and capital adequacy as reported under GAAP and all other relevant information when assessing our performance and capital adequacy.
Table 14 at the end of this document provides a reconciliation of these non-GAAP financial measures with their most directly comparable GAAP measures.
| Investor Relations Contact: Kevin Haseyama, CFA (808) 525-6268 khaseyama@fhb.com | Media Contact: Lindsay Chambers (808) 525-6254 lchambers@fhb.com |
| Financial Highlights | Table 1 | |||||||||||||||||||
| For the Three Months Ended | For the Six Months Ended | |||||||||||||||||||
| June 30, | March 31, | June 30, | June 30, | |||||||||||||||||
| (dollars in thousands, except per share data) | 2025 | 2025 | 2024 | 2025 | 2024 | |||||||||||||||
| Operating Results: | ||||||||||||||||||||
| Net interest income | $ | 163,583 | $ | 160,526 | $ | 152,851 | $ | 324,109 | $ | 307,278 | ||||||||||
| Provision for credit losses | 4,500 | 10,500 | 1,800 | 15,000 | 8,100 | |||||||||||||||
| Noninterest income | 53,958 | 50,477 | 51,768 | 104,435 | 103,139 | |||||||||||||||
| Noninterest expense | 124,939 | 123,560 | 122,086 | 248,499 | 250,899 | |||||||||||||||
| Net income | 73,247 | 59,248 | 61,921 | 132,495 | 116,141 | |||||||||||||||
| Basic earnings per share | 0.58 | 0.47 | 0.48 | 1.05 | 0.91 | |||||||||||||||
| Diluted earnings per share | 0.58 | 0.47 | 0.48 | 1.05 | 0.91 | |||||||||||||||
| Dividends declared per share | 0.26 | 0.26 | 0.26 | 0.52 | 0.52 | |||||||||||||||
| Dividend payout ratio | 44.83 | % | 55.32 | % | 54.17 | % | 49.52 | % | 57.14 | % | ||||||||||
| Performance Ratios(1): | ||||||||||||||||||||
| Net interest margin | 3.11 | % | 3.08 | % | 2.92 | % | 3.10 | % | 2.91 | % | ||||||||||
| Efficiency ratio | 57.23 | % | 58.22 | % | 59.22 | % | 57.71 | % | 60.69 | % | ||||||||||
| Return on average total assets | 1.23 | % | 1.01 | % | 1.04 | % | 1.12 | % | 0.97 | % | ||||||||||
| Return on average tangible assets (non-GAAP)(2) | 1.28 | % | 1.05 | % | 1.08 | % | 1.17 | % | 1.01 | % | ||||||||||
| Return on average total stockholders' equity | 11.03 | % | 9.09 | % | 9.91 | % | 10.07 | % | 9.32 | % | ||||||||||
| Return on average tangible stockholders' equity (non-GAAP)(2) | 17.61 | % | 14.59 | % | 16.42 | % | 16.12 | % | 15.48 | % | ||||||||||
| Average Balances: | ||||||||||||||||||||
| Average loans and leases | $ | 14,288,918 | $ | 14,309,998 | $ | 14,358,049 | $ | 14,299,400 | $ | 14,335,306 | ||||||||||
| Average earning assets | 21,167,588 | 21,169,194 | 21,247,707 | 21,168,386 | 21,364,799 | |||||||||||||||
| Average assets | 23,859,410 | 23,890,459 | 23,958,913 | 23,874,849 | 24,073,060 | |||||||||||||||
| Average deposits | 20,280,042 | 20,354,040 | 20,308,028 | 20,316,836 | 20,439,979 | |||||||||||||||
| Average stockholders' equity | 2,663,850 | 2,641,978 | 2,512,471 | 2,652,975 | 2,504,656 | |||||||||||||||
| Market Value Per Share: | ||||||||||||||||||||
| Closing | 24.96 | 24.44 | 20.76 | 24.96 | 20.76 | |||||||||||||||
| High | 25.09 | 28.28 | 22.68 | 28.28 | 23.12 | |||||||||||||||
| Low | 20.32 | 23.95 | 19.48 | 20.32 | 19.48 | |||||||||||||||
| As of | As of | As of | As of | ||||||||||||||
| June 30, | March 31, | December 31, | June 30, | ||||||||||||||
| (dollars in thousands, except per share data) | 2025 | 2025 | 2024 | 2024 | |||||||||||||
| Balance Sheet Data: | |||||||||||||||||
| Loans and leases | $ | 14,351,869 | $ | 14,293,036 | $ | 14,408,258 | $ | 14,359,899 | |||||||||
| Total assets | 23,837,147 | 23,744,958 | 23,828,186 | 23,991,791 | |||||||||||||
| Total deposits | 20,231,419 | 20,215,816 | 20,322,216 | 20,318,832 | |||||||||||||
| Short-term borrowings | 250,000 | 250,000 | 250,000 | 500,000 | |||||||||||||
| Total stockholders' equity | 2,694,545 | 2,648,852 | 2,617,486 | 2,550,312 | |||||||||||||
| Per Share of Common Stock: | |||||||||||||||||
| Book value | $ | 21.61 | $ | 21.07 | $ | 20.70 | $ | 19.94 | |||||||||
| Tangible book value (non-GAAP)(2) | 13.63 | 13.15 | 12.83 | 12.16 | |||||||||||||
| Asset Quality Ratios: | |||||||||||||||||
| Non-accrual loans and leases / total loans and leases | 0.20 | % | 0.14 | % | 0.14 | % | 0.13 | % | |||||||||
| Allowance for credit losses for loans and leases / total loans and leases | 1.17 | % | 1.17 | % | 1.11 | % | 1.12 | % | |||||||||
| Capital Ratios: | |||||||||||||||||
| Common Equity Tier 1 Capital Ratio | 13.03 | % | 12.93 | % | 12.80 | % | 12.73 | % | |||||||||
| Tier 1 Capital Ratio | 13.03 | % | 12.93 | % | 12.80 | % | 12.73 | % | |||||||||
| Total Capital Ratio | 14.28 | % | 14.17 | % | 13.99 | % | 13.92 | % | |||||||||
| Tier 1 Leverage Ratio | 9.12 | % | 9.01 | % | 9.14 | % | 9.03 | % | |||||||||
| Total stockholders' equity to total assets | 11.30 | % | 11.16 | % | 10.98 | % | 10.63 | % | |||||||||
| Tangible stockholders' equity to tangible assets (non-GAAP)(2) | 7.44 | % | 7.27 | % | 7.10 | % | 6.76 | % | |||||||||
| Non-Financial Data: | |||||||||||||||||
| Number of branches | 48 | 48 | 48 | 48 | |||||||||||||
| Number of ATMs | 274 | 273 | 273 | 272 | |||||||||||||
| Number of Full-Time Equivalent Employees | 2,006 | 1,995 | 1,997 | 2,032 | |||||||||||||
| (1) | Except for the efficiency ratio, amounts are annualized for the three and six months ended June 30, 2025 and 2024 and three months ended March 31, 2025. | ||||||||||||||||
| (2) | Return on average tangible assets, return on average tangible stockholders’ equity, tangible book value per share and tangible stockholders’ equity to tangible assets are non-GAAP financial measures. We compute our return on average tangible assets as the ratio of net income to average tangible assets, which is calculated by subtracting (and thereby effectively excluding) amounts related to the effect of goodwill from our average total assets. We compute our return on average tangible stockholders’ equity as the ratio of net income to average tangible stockholders’ equity, which is calculated by subtracting (and thereby effectively excluding) amounts related to the effect of goodwill from our average total stockholders’ equity. We compute our tangible book value per share as the ratio of tangible stockholders’ equity to outstanding shares. Tangible stockholders’ equity is calculated by subtracting (and thereby effectively excluding) amounts related to the effect of goodwill from our total stockholders’ equity. We compute our tangible stockholders’ equity to tangible assets as the ratio of tangible stockholders’ equity to tangible assets, each of which we calculate by subtracting (and thereby effectively excluding) the value of our goodwill. For a reconciliation to the most directly comparable GAAP financial measure, see Table 14, GAAP to Non-GAAP Reconciliation. | ||||||||||||||||
| Consolidated Statements of Income | Table 2 | ||||||||||||||
| For the Three Months Ended | For the Six Months Ended | ||||||||||||||
| June 30, | March 31, | June 30, | June 30, | ||||||||||||
| (dollars in thousands, except per share amounts) | 2025 | 2025 | 2024 | 2025 | 2024 | ||||||||||
| Interest income | |||||||||||||||
| Loans and lease financing | $ | 193,393 | $ | 192,102 | $ | 202,068 | $ | 385,495 | $ | 401,912 | |||||
| Available-for-sale investment securities | 12,469 | 13,150 | 14,143 | 25,619 | 28,689 | ||||||||||
| Held-to-maturity investment securities | 16,299 | 16,647 | 17,575 | 32,946 | 35,368 | ||||||||||
| Other | 14,578 | 13,251 | 11,148 | 27,829 | 23,917 | ||||||||||
| Total interest income | 236,739 | 235,150 | 244,934 | 471,889 | 489,886 | ||||||||||
| Interest expense | |||||||||||||||
| Deposits | 70,289 | 71,709 | 85,609 | 141,998 | 169,752 | ||||||||||
| Short-term borrowings | 2,627 | 2,599 | 5,953 | 5,226 | 11,906 | ||||||||||
| Other | 240 | 316 | 521 | 556 | 950 | ||||||||||
| Total interest expense | 73,156 | 74,624 | 92,083 | 147,780 | 182,608 | ||||||||||
| Net interest income | 163,583 | 160,526 | 152,851 | 324,109 | 307,278 | ||||||||||
| Provision for credit losses | 4,500 | 10,500 | 1,800 | 15,000 | 8,100 | ||||||||||
| Net interest income after provision for credit losses | 159,083 | 150,026 | 151,051 | 309,109 | 299,178 | ||||||||||
| Noninterest income | |||||||||||||||
| Service charges on deposit accounts | 7,830 | 7,535 | 7,793 | 15,365 | 15,339 | ||||||||||
| Credit and debit card fees | 15,913 | 14,474 | 15,861 | 30,387 | 32,034 | ||||||||||
| Other service charges and fees | 13,350 | 12,167 | 11,036 | 25,517 | 20,940 | ||||||||||
| Trust and investment services income | 9,154 | 9,370 | 9,426 | 18,524 | 19,780 | ||||||||||
| Bank-owned life insurance | 4,724 | 4,371 | 3,360 | 9,095 | 7,646 | ||||||||||
| Investment securities gains, net | — | 37 | — | 37 | — | ||||||||||
| Other | 2,987 | 2,523 | 4,292 | 5,510 | 7,400 | ||||||||||
| Total noninterest income | 53,958 | 50,477 | 51,768 | 104,435 | 103,139 | ||||||||||
| Noninterest expense | |||||||||||||||
| Salaries and employee benefits | 59,501 | 60,104 | 57,737 | 119,605 | 116,999 | ||||||||||
| Contracted services and professional fees | 15,997 | 14,839 | 16,067 | 30,836 | 31,806 | ||||||||||
| Occupancy | 7,934 | 8,100 | 7,377 | 16,034 | 14,318 | ||||||||||
| Equipment | 14,037 | 13,871 | 13,196 | 27,908 | 26,609 | ||||||||||
| Regulatory assessment and fees | 3,759 | 3,823 | 3,814 | 7,582 | 11,934 | ||||||||||
| Advertising and marketing | 2,035 | 2,179 | 1,765 | 4,214 | 4,377 | ||||||||||
| Card rewards program | 8,406 | 7,919 | 8,719 | 16,325 | 17,227 | ||||||||||
| Other | 13,270 | 12,725 | 13,411 | 25,995 | 27,629 | ||||||||||
| Total noninterest expense | 124,939 | 123,560 | 122,086 | 248,499 | 250,899 | ||||||||||
| Income before provision for income taxes | 88,102 | 76,943 | 80,733 | 165,045 | 151,418 | ||||||||||
| Provision for income taxes | 14,855 | 17,695 | 18,812 | 32,550 | 35,277 | ||||||||||
| Net income | $ | 73,247 | $ | 59,248 | $ | 61,921 | $ | 132,495 | $ | 116,141 | |||||
| Basic earnings per share | $ | 0.58 | $ | 0.47 | $ | 0.48 | $ | 1.05 | $ | 0.91 | |||||
| Diluted earnings per share | $ | 0.58 | $ | 0.47 | $ | 0.48 | $ | 1.05 | $ | 0.91 | |||||
| Basic weighted-average outstanding shares | 125,321,837 | 126,281,802 | 127,867,853 | 125,799,060 | 127,787,663 | ||||||||||
| Diluted weighted-average outstanding shares | 125,833,064 | 127,166,932 | 128,262,594 | 126,493,569 | 128,279,917 | ||||||||||
| Consolidated Balance Sheets | Table 3 | |||||||||||||||
| June 30, | March 31, | December 31, | June 30, | |||||||||||||
| (dollars in thousands, except share amount) | 2025 | 2025 | 2024 | 2024 | ||||||||||||
| Assets | ||||||||||||||||
| Cash and due from banks | $ | 304,624 | $ | 240,738 | $ | 258,057 | $ | 290,501 | ||||||||
| Interest-bearing deposits in other banks | 1,094,411 | 1,073,841 | 912,133 | 824,258 | ||||||||||||
| Investment securities: | ||||||||||||||||
| Available-for-sale, at fair value (amortized cost: | 1,891,654 | 1,858,428 | 1,926,516 | 2,067,956 | ||||||||||||
| Held-to-maturity, at amortized cost (fair value: | 3,658,814 | 3,724,908 | 3,790,650 | 3,917,175 | ||||||||||||
| Loans held for sale | — | 1,547 | — | 2,820 | ||||||||||||
| Loans and leases | 14,351,869 | 14,293,036 | 14,408,258 | 14,359,899 | ||||||||||||
| Less: allowance for credit losses | 167,825 | 166,612 | 160,393 | 160,517 | ||||||||||||
| Net loans and leases | 14,184,044 | 14,126,424 | 14,247,865 | 14,199,382 | ||||||||||||
| Premises and equipment, net | 299,149 | 292,576 | 288,530 | 283,762 | ||||||||||||
| Accrued interest receivable | 77,943 | 78,973 | 79,979 | 82,512 | ||||||||||||
| Bank-owned life insurance | 502,419 | 495,567 | 491,890 | 486,261 | ||||||||||||
| Goodwill | 995,492 | 995,492 | 995,492 | 995,492 | ||||||||||||
| Mortgage servicing rights | 4,828 | 4,926 | 5,078 | 5,395 | ||||||||||||
| Other assets | 823,769 | 851,538 | 831,996 | 836,277 | ||||||||||||
| Total assets | $ | 23,837,147 | $ | 23,744,958 | $ | 23,828,186 | $ | 23,991,791 | ||||||||
| Liabilities and Stockholders' Equity | ||||||||||||||||
| Deposits: | ||||||||||||||||
| Interest-bearing | $ | 13,386,987 | $ | 13,330,265 | $ | 13,347,068 | $ | 13,461,365 | ||||||||
| Noninterest-bearing | 6,844,432 | 6,885,551 | 6,975,148 | 6,857,467 | ||||||||||||
| Total deposits | 20,231,419 | 20,215,816 | 20,322,216 | 20,318,832 | ||||||||||||
| Short-term borrowings | 250,000 | 250,000 | 250,000 | 500,000 | ||||||||||||
| Retirement benefits payable | 95,357 | 96,241 | 97,135 | 101,304 | ||||||||||||
| Other liabilities | 565,826 | 534,049 | 541,349 | 521,343 | ||||||||||||
| Total liabilities | 21,142,602 | 21,096,106 | 21,210,700 | 21,441,479 | ||||||||||||
| Stockholders' equity | ||||||||||||||||
| Common stock ( | 1,422 | 1,421 | 1,417 | 1,417 | ||||||||||||
| Additional paid-in capital | 2,567,936 | 2,564,408 | 2,560,380 | 2,554,795 | ||||||||||||
| Retained earnings | 1,000,997 | 960,337 | 934,048 | 887,176 | ||||||||||||
| Accumulated other comprehensive loss, net | (407,008 | ) | (433,769 | ) | (463,994 | ) | (519,132 | ) | ||||||||
| Treasury stock (17,489,483 shares as of June 30, 2025, 16,446,755 shares as of March 31, 2025, 15,325,949 shares as of December 31, 2024 and 13,849,434 shares as of June 30, 2024) | (468,802 | ) | (443,545 | ) | (414,365 | ) | (373,944 | ) | ||||||||
| Total stockholders' equity | 2,694,545 | 2,648,852 | 2,617,486 | 2,550,312 | ||||||||||||
| Total liabilities and stockholders' equity | $ | 23,837,147 | $ | 23,744,958 | $ | 23,828,186 | $ | 23,991,791 | ||||||||
| Average Balances and Interest Rates | Table 4 | |||||||||||||||||||||||||||
| Three Months Ended | Three Months Ended | Three Months Ended | ||||||||||||||||||||||||||
| June 30, 2025 | March 31, 2025 | June 30, 2024 | ||||||||||||||||||||||||||
| Average | Income/ | Yield/ | Average | Income/ | Yield/ | Average | Income/ | Yield/ | ||||||||||||||||||||
| (dollars in millions) | Balance | Expense | Rate | Balance | Expense | Rate | Balance | Expense | Rate | |||||||||||||||||||
| Earning Assets | ||||||||||||||||||||||||||||
| Interest-Bearing Deposits in Other Banks | $ | 1,276.8 | $ | 14.1 | 4.45 | % | $ | 1,171.1 | $ | 12.8 | 4.44 | % | $ | 773.4 | $ | 10.5 | 5.45 | % | ||||||||||
| Available-for-Sale Investment Securities | ||||||||||||||||||||||||||||
| Taxable | 1,869.3 | 12.5 | 2.67 | 1,891.4 | 13.2 | 2.79 | 2,100.7 | 14.1 | 2.69 | |||||||||||||||||||
| Non-Taxable | 1.3 | — | 5.27 | 1.4 | — | 5.52 | 1.5 | — | 5.76 | |||||||||||||||||||
| Held-to-Maturity Investment Securities | ||||||||||||||||||||||||||||
| Taxable | 3,099.9 | 13.2 | 1.70 | 3,164.0 | 13.6 | 1.72 | 3,358.2 | 14.4 | 1.71 | |||||||||||||||||||
| Non-Taxable | 596.5 | 3.3 | 2.21 | 599.0 | 3.7 | 2.51 | 602.9 | 4.0 | 2.64 | |||||||||||||||||||
| Total Investment Securities | 5,567.0 | 29.0 | 2.08 | 5,655.8 | 30.5 | 2.16 | 6,063.3 | 32.5 | 2.15 | |||||||||||||||||||
| Loans Held for Sale | 0.3 | — | 6.86 | 0.3 | — | 6.28 | 1.0 | — | 6.58 | |||||||||||||||||||
| Loans and Leases(1) | ||||||||||||||||||||||||||||
| Commercial and industrial | 2,291.5 | 35.2 | 6.16 | 2,196.8 | 33.6 | 6.20 | 2,201.6 | 38.1 | 6.96 | |||||||||||||||||||
| Commercial real estate | 4,392.5 | 66.9 | 6.11 | 4,420.1 | 66.5 | 6.10 | 4,305.6 | 71.5 | 6.68 | |||||||||||||||||||
| Construction | 900.4 | 14.9 | 6.66 | 937.0 | 15.4 | 6.67 | 984.8 | 18.5 | 7.57 | |||||||||||||||||||
| Residential: | ||||||||||||||||||||||||||||
| Residential mortgage | 4,104.1 | 40.2 | 3.92 | 4,150.3 | 40.9 | 3.94 | 4,229.4 | 40.1 | 3.80 | |||||||||||||||||||
| Home equity line | 1,154.4 | 13.4 | 4.64 | 1,149.8 | 13.1 | 4.61 | 1,164.2 | 12.6 | 4.35 | |||||||||||||||||||
| Consumer | 1,013.9 | 19.2 | 7.58 | 1,019.5 | 18.9 | 7.53 | 1,054.1 | 17.7 | 6.74 | |||||||||||||||||||
| Lease financing | 432.1 | 4.2 | 3.90 | 436.5 | 4.3 | 3.99 | 418.3 | 4.3 | 4.09 | |||||||||||||||||||
| Total Loans and Leases | 14,288.9 | 194.0 | 5.44 | 14,310.0 | 192.7 | 5.44 | 14,358.0 | 202.8 | 5.67 | |||||||||||||||||||
| Other Earning Assets | 34.6 | 0.4 | 4.94 | 32.0 | 0.4 | 5.48 | 52.0 | 0.7 | 5.25 | |||||||||||||||||||
| Total Earning Assets(2) | 21,167.6 | 237.5 | 4.50 | 21,169.2 | 236.4 | 4.51 | 21,247.7 | 246.5 | 4.66 | |||||||||||||||||||
| Cash and Due from Banks | 222.3 | 235.9 | 240.4 | |||||||||||||||||||||||||
| Other Assets | 2,469.5 | 2,485.4 | 2,470.8 | |||||||||||||||||||||||||
| Total Assets | $ | 23,859.4 | $ | 23,890.5 | $ | 23,958.9 | ||||||||||||||||||||||
| Interest-Bearing Liabilities | ||||||||||||||||||||||||||||
| Interest-Bearing Deposits | ||||||||||||||||||||||||||||
| Savings | $ | 6,247.5 | $ | 21.0 | 1.35 | % | $ | 6,232.5 | $ | 21.3 | 1.38 | % | $ | 6,000.4 | $ | 23.4 | 1.57 | % | ||||||||||
| Money Market | 3,822.1 | 22.8 | 2.39 | 3,922.2 | 23.0 | 2.38 | 4,076.7 | 30.6 | 3.02 | |||||||||||||||||||
| Time | 3,389.4 | 26.5 | 3.14 | 3,317.1 | 27.4 | 3.36 | 3,284.3 | 31.6 | 3.87 | |||||||||||||||||||
| Total Interest-Bearing Deposits | 13,459.0 | 70.3 | 2.09 | 13,471.8 | 71.7 | 2.16 | 13,361.4 | 85.6 | 2.58 | |||||||||||||||||||
| Other Short-Term Borrowings | 250.0 | 2.6 | 4.22 | 250.0 | 2.6 | 4.22 | 500.0 | 6.0 | 4.79 | |||||||||||||||||||
| Other Interest-Bearing Liabilities | 20.8 | 0.2 | 4.62 | 27.5 | 0.3 | 4.67 | 38.2 | 0.5 | 5.48 | |||||||||||||||||||
| Total Interest-Bearing Liabilities | 13,729.8 | 73.1 | 2.14 | 13,749.3 | 74.6 | 2.20 | 13,899.6 | 92.1 | 2.66 | |||||||||||||||||||
| Net Interest Income | $ | 164.4 | $ | 161.8 | $ | 154.4 | ||||||||||||||||||||||
| Interest Rate Spread(3) | 2.36 | % | 2.31 | % | 2.00 | % | ||||||||||||||||||||||
| Net Interest Margin(4) | 3.11 | % | 3.08 | % | 2.92 | % | ||||||||||||||||||||||
| Noninterest-Bearing Demand Deposits | 6,821.0 | 6,882.2 | 6,946.6 | |||||||||||||||||||||||||
| Other Liabilities | 644.7 | 617.0 | 600.2 | |||||||||||||||||||||||||
| Stockholders' Equity | 2,663.9 | 2,642.0 | 2,512.5 | |||||||||||||||||||||||||
| Total Liabilities and Stockholders' Equity | $ | 23,859.4 | $ | 23,890.5 | $ | 23,958.9 | ||||||||||||||||||||||
| (1) | Non-performing loans and leases are included in the respective average loan and lease balances. Income, if any, on such loans and leases is recognized on a cash basis. | ||||||||||||||||
| (2) | Interest income includes taxable-equivalent basis adjustments of | ||||||||||||||||
| (3) | Interest rate spread is the difference between the average yield on earning assets and the average rate paid on interest-bearing liabilities, on a fully taxable-equivalent basis. | ||||||||||||||||
| (4) | Net interest margin is net interest income annualized for the three months ended June 30, 2025, March 31, 2025 and June 30, 2024, on a fully taxable-equivalent basis, divided by average total earning assets. | ||||||||||||||||
| Average Balances and Interest Rates | Table 5 | |||||||||||||||||
| Six Months Ended | Six Months Ended | |||||||||||||||||
| June 30, 2025 | June 30, 2024 | |||||||||||||||||
| Average | Income/ | Yield/ | Average | Income/ | Yield/ | |||||||||||||
| (dollars in millions) | Balance | Expense | Rate | Balance | Expense | Rate | ||||||||||||
| Earning Assets | ||||||||||||||||||
| Interest-Bearing Deposits in Other Banks | $ | 1,224.3 | $ | 27.0 | 4.44 | % | $ | 815.9 | $ | 22.1 | 5.45 | % | ||||||
| Available-for-Sale Investment Securities | ||||||||||||||||||
| Taxable | 1,880.3 | 25.6 | 2.73 | 2,155.7 | 28.7 | 2.66 | ||||||||||||
| Non-Taxable | 1.3 | — | 5.38 | 1.6 | — | 5.68 | ||||||||||||
| Held-to-Maturity Investment Securities | ||||||||||||||||||
| Taxable | 3,131.8 | 26.8 | 1.71 | 3,387.3 | 29.0 | 1.71 | ||||||||||||
| Non-Taxable | 597.7 | 7.0 | 2.36 | 603.2 | 7.9 | 2.65 | ||||||||||||
| Total Investment Securities | 5,611.1 | 59.4 | 2.12 | 6,147.8 | 65.6 | 2.14 | ||||||||||||
| Loans Held for Sale | 0.3 | — | 6.54 | 0.9 | — | 6.72 | ||||||||||||
| Loans and Leases(1) | ||||||||||||||||||
| Commercial and industrial | 2,244.4 | 68.8 | 6.18 | 2,183.3 | 75.3 | 6.94 | ||||||||||||
| Commercial real estate | 4,406.3 | 133.3 | 6.10 | 4,314.6 | 141.7 | 6.60 | ||||||||||||
| Construction | 918.6 | 30.4 | 6.67 | 954.8 | 35.9 | 7.56 | ||||||||||||
| Residential: | ||||||||||||||||||
| Residential mortgage | 4,127.1 | 81.2 | 3.93 | 4,246.7 | 82.1 | 3.87 | ||||||||||||
| Home equity line | 1,152.1 | 26.4 | 4.62 | 1,168.1 | 24.7 | 4.24 | ||||||||||||
| Consumer | 1,016.6 | 38.1 | 7.56 | 1,068.8 | 35.7 | 6.72 | ||||||||||||
| Lease financing | 434.3 | 8.5 | 3.95 | 399.0 | 8.0 | 4.00 | ||||||||||||
| Total Loans and Leases | 14,299.4 | 386.7 | 5.44 | 14,335.3 | 403.4 | 5.65 | ||||||||||||
| Other Earning Assets | 33.3 | 0.8 | 5.20 | 64.9 | 1.8 | 5.64 | ||||||||||||
| Total Earning Assets(2) | 21,168.4 | 473.9 | 4.50 | 21,364.8 | 492.9 | 4.63 | ||||||||||||
| Cash and Due from Banks | 229.0 | 242.4 | ||||||||||||||||
| Other Assets | 2,477.4 | 2,465.9 | ||||||||||||||||
| Total Assets | $ | 23,874.8 | $ | 24,073.1 | ||||||||||||||
| Interest-Bearing Liabilities | ||||||||||||||||||
| Interest-Bearing Deposits | ||||||||||||||||||
| Savings | $ | 6,240.1 | $ | 42.2 | 1.36 | % | $ | 6,030.1 | $ | 46.9 | 1.56 | % | ||||||
| Money Market | 3,871.8 | 45.8 | 2.38 | 4,010.8 | 59.4 | 2.98 | ||||||||||||
| Time | 3,353.5 | 54.0 | 3.25 | 3,304.8 | 63.5 | 3.86 | ||||||||||||
| Total Interest-Bearing Deposits | 13,465.4 | 142.0 | 2.13 | 13,345.7 | 169.8 | 2.56 | ||||||||||||
| Other Short-Term Borrowings | 250.0 | 5.2 | 4.22 | 500.0 | 11.9 | 4.79 | ||||||||||||
| Other Interest-Bearing Liabilities | 24.1 | 0.6 | 4.65 | 35.6 | 0.9 | 5.36 | ||||||||||||
| Total Interest-Bearing Liabilities | 13,739.5 | 147.8 | 2.17 | 13,881.3 | 182.6 | 2.65 | ||||||||||||
| Net Interest Income | $ | 326.1 | $ | 310.3 | ||||||||||||||
| Interest Rate Spread(3) | 2.33 | % | 1.98 | % | ||||||||||||||
| Net Interest Margin(4) | 3.10 | % | 2.91 | % | ||||||||||||||
| Noninterest-Bearing Demand Deposits | 6,851.4 | 7,094.3 | ||||||||||||||||
| Other Liabilities | 630.9 | 592.8 | ||||||||||||||||
| Stockholders' Equity | 2,653.0 | 2,504.7 | ||||||||||||||||
| Total Liabilities and Stockholders' Equity | $ | 23,874.8 | $ | 24,073.1 | ||||||||||||||
| (1) | Non-performing loans and leases are included in the respective average loan and lease balances. Income, if any, on such loans and leases is recognized on a cash basis. | ||||||||||||||||
| (2) | Interest income includes taxable-equivalent basis adjustments of | ||||||||||||||||
| (3) | Interest rate spread is the difference between the average yield on earning assets and the average rate paid on interest-bearing liabilities, on a fully taxable-equivalent basis. | ||||||||||||||||
| (4) | Net interest margin is net interest income annualized for the six months ended June 30, 2025 and 2024, on a fully taxable-equivalent basis, divided by average total earning assets. | ||||||||||||||||
| Analysis of Change in Net Interest Income | Table 6 | ||||||||||||
| Three Months Ended June 30, 2025 | |||||||||||||
| Compared to March 31, 2025 | |||||||||||||
| (dollars in millions) | Volume | Rate | Total (1) | ||||||||||
| Change in Interest Income: | |||||||||||||
| Interest-Bearing Deposits in Other Banks | $ | 1.3 | $ | — | $ | 1.3 | |||||||
| Available-for-Sale Investment Securities | |||||||||||||
| Taxable | (0.1 | ) | (0.6 | ) | (0.7 | ) | |||||||
| Held-to-Maturity Investment Securities | |||||||||||||
| Taxable | (0.2 | ) | (0.2 | ) | (0.4 | ) | |||||||
| Non-Taxable | — | (0.4 | ) | (0.4 | ) | ||||||||
| Total Investment Securities | (0.3 | ) | (1.2 | ) | (1.5 | ) | |||||||
| Loans and Leases | |||||||||||||
| Commercial and industrial | 1.8 | (0.2 | ) | 1.6 | |||||||||
| Commercial real estate | 0.1 | 0.3 | 0.4 | ||||||||||
| Construction | (0.5 | ) | — | (0.5 | ) | ||||||||
| Residential: | |||||||||||||
| Residential mortgage | (0.5 | ) | (0.2 | ) | (0.7 | ) | |||||||
| Home equity line | 0.1 | 0.2 | 0.3 | ||||||||||
| Consumer | — | 0.3 | 0.3 | ||||||||||
| Lease financing | — | (0.1 | ) | (0.1 | ) | ||||||||
| Total Loans and Leases | 1.0 | 0.3 | 1.3 | ||||||||||
| Total Change in Interest Income | 2.0 | (0.9 | ) | 1.1 | |||||||||
| Change in Interest Expense: | |||||||||||||
| Interest-Bearing Deposits | |||||||||||||
| Savings | 0.1 | (0.4 | ) | (0.3 | ) | ||||||||
| Money Market | (0.4 | ) | 0.2 | (0.2 | ) | ||||||||
| Time | 0.7 | (1.6 | ) | (0.9 | ) | ||||||||
| Total Interest-Bearing Deposits | 0.4 | (1.8 | ) | (1.4 | ) | ||||||||
| Other Interest-Bearing Liabilities | (0.1 | ) | — | (0.1 | ) | ||||||||
| Total Change in Interest Expense | 0.3 | (1.8 | ) | (1.5 | ) | ||||||||
| Change in Net Interest Income | $ | 1.7 | $ | 0.9 | $ | 2.6 | |||||||
| (1) | The change in interest income and expense not solely due to changes in volume or rate has been allocated on a pro-rata basis to the volume and rate columns. | ||||||||||||||||
| Analysis of Change in Net Interest Income | Table 7 | |||||||||||
| Three Months Ended June 30, 2025 | ||||||||||||
| Compared to June 30, 2024 | ||||||||||||
| (dollars in millions) | Volume | Rate | Total (1) | |||||||||
| Change in Interest Income: | ||||||||||||
| Interest-Bearing Deposits in Other Banks | $ | 5.8 | $ | (2.2 | ) | $ | 3.6 | |||||
| Available-for-Sale Investment Securities | ||||||||||||
| Taxable | (1.5 | ) | (0.1 | ) | (1.6 | ) | ||||||
| Held-to-Maturity Investment Securities | ||||||||||||
| Taxable | (1.1 | ) | (0.1 | ) | (1.2 | ) | ||||||
| Non-Taxable | (0.1 | ) | (0.6 | ) | (0.7 | ) | ||||||
| Total Investment Securities | (2.7 | ) | (0.8 | ) | (3.5 | ) | ||||||
| Loans and Leases | ||||||||||||
| Commercial and industrial | 1.6 | (4.5 | ) | (2.9 | ) | |||||||
| Commercial real estate | 1.5 | (6.1 | ) | (4.6 | ) | |||||||
| Construction | (1.5 | ) | (2.1 | ) | (3.6 | ) | ||||||
| Residential: | ||||||||||||
| Residential mortgage | (1.2 | ) | 1.3 | 0.1 | ||||||||
| Home equity line | (0.1 | ) | 0.9 | 0.8 | ||||||||
| Consumer | (0.7 | ) | 2.2 | 1.5 | ||||||||
| Lease financing | 0.1 | (0.2 | ) | (0.1 | ) | |||||||
| Total Loans and Leases | (0.3 | ) | (8.5 | ) | (8.8 | ) | ||||||
| Other Earning Assets | (0.2 | ) | (0.1 | ) | (0.3 | ) | ||||||
| Total Change in Interest Income | 2.6 | (11.6 | ) | (9.0 | ) | |||||||
| Change in Interest Expense: | ||||||||||||
| Interest-Bearing Deposits | ||||||||||||
| Savings | 1.0 | (3.4 | ) | (2.4 | ) | |||||||
| Money Market | (1.8 | ) | (6.0 | ) | (7.8 | ) | ||||||
| Time | 1.0 | (6.1 | ) | (5.1 | ) | |||||||
| Total Interest-Bearing Deposits | 0.2 | (15.5 | ) | (15.3 | ) | |||||||
| Other Short-Term Borrowings | (2.8 | ) | (0.6 | ) | (3.4 | ) | ||||||
| Other Interest-Bearing Liabilities | (0.2 | ) | (0.1 | ) | (0.3 | ) | ||||||
| Total Change in Interest Expense | (2.8 | ) | (16.2 | ) | (19.0 | ) | ||||||
| Change in Net Interest Income | $ | 5.4 | $ | 4.6 | $ | 10.0 | ||||||
| (1) | The change in interest income and expense not solely due to changes in volume or rate has been allocated on a pro-rata basis to the volume and rate columns. | ||||||||||||||||
| Analysis of Change in Net Interest Income | Table 8 | |||||||||||
| Six Months Ended June 30, 2025 | ||||||||||||
| Compared to June 30, 2024 | ||||||||||||
| (dollars in millions) | Volume | Rate | Total (1) | |||||||||
| Change in Interest Income: | ||||||||||||
| Interest-Bearing Deposits in Other Banks | $ | 9.5 | $ | (4.6 | ) | $ | 4.9 | |||||
| Available-for-Sale Investment Securities | ||||||||||||
| Taxable | (3.8 | ) | 0.7 | (3.1 | ) | |||||||
| Held-to-Maturity Investment Securities | ||||||||||||
| Taxable | (2.2 | ) | — | (2.2 | ) | |||||||
| Non-Taxable | (0.1 | ) | (0.8 | ) | (0.9 | ) | ||||||
| Total Investment Securities | (6.1 | ) | (0.1 | ) | (6.2 | ) | ||||||
| Loans and Leases | ||||||||||||
| Commercial and industrial | 2.0 | (8.5 | ) | (6.5 | ) | |||||||
| Commercial real estate | 2.8 | (11.2 | ) | (8.4 | ) | |||||||
| Construction | (1.3 | ) | (4.2 | ) | (5.5 | ) | ||||||
| Residential: | ||||||||||||
| Residential mortgage | (2.2 | ) | 1.3 | (0.9 | ) | |||||||
| Home equity line | (0.3 | ) | 2.0 | 1.7 | ||||||||
| Consumer | (1.8 | ) | 4.2 | 2.4 | ||||||||
| Lease financing | 0.6 | (0.1 | ) | 0.5 | ||||||||
| Total Loans and Leases | (0.2 | ) | (16.5 | ) | (16.7 | ) | ||||||
| Other Earning Assets | (0.8 | ) | (0.2 | ) | (1.0 | ) | ||||||
| Total Change in Interest Income | 2.4 | (21.4 | ) | (19.0 | ) | |||||||
| Change in Interest Expense: | ||||||||||||
| Interest-Bearing Deposits | ||||||||||||
| Savings | 1.5 | (6.2 | ) | (4.7 | ) | |||||||
| Money Market | (2.0 | ) | (11.6 | ) | (13.6 | ) | ||||||
| Time | 0.9 | (10.4 | ) | (9.5 | ) | |||||||
| Total Interest-Bearing Deposits | 0.4 | (28.2 | ) | (27.8 | ) | |||||||
| Other Short-Term Borrowings | (5.4 | ) | (1.3 | ) | (6.7 | ) | ||||||
| Other Interest-Bearing Liabilities | (0.2 | ) | (0.1 | ) | (0.3 | ) | ||||||
| Total Change in Interest Expense | (5.2 | ) | (29.6 | ) | (34.8 | ) | ||||||
| Change in Net Interest Income | $ | 7.6 | $ | 8.2 | $ | 15.8 | ||||||
| _______________________ | |
| (1) | The change in interest income and expense not solely due to changes in volume or rate has been allocated on a pro-rata basis to the volume and rate columns. |
| Loans and Leases | Table 9 | |||||||||||
| June 30, | March 31, | December 31, | June 30, | |||||||||
| (dollars in thousands) | 2025 | 2025 | 2024 | 2024 | ||||||||
| Commercial and industrial | $ | 2,370,210 | $ | 2,261,394 | $ | 2,247,428 | $ | 2,208,690 | ||||
| Commercial real estate | 4,411,585 | 4,367,433 | 4,463,992 | 4,305,017 | ||||||||
| Construction | 884,306 | 954,072 | 918,326 | 1,017,649 | ||||||||
| Residential: | ||||||||||||
| Residential mortgage | 4,085,827 | 4,129,518 | 4,168,154 | 4,216,416 | ||||||||
| Home equity line | 1,161,876 | 1,144,895 | 1,151,739 | 1,159,833 | ||||||||
| Total residential | 5,247,703 | 5,274,413 | 5,319,893 | 5,376,249 | ||||||||
| Consumer | 1,011,125 | 998,325 | 1,023,969 | 1,027,104 | ||||||||
| Lease financing | 426,940 | 437,399 | 434,650 | 425,190 | ||||||||
| Total loans and leases | $ | 14,351,869 | $ | 14,293,036 | $ | 14,408,258 | $ | 14,359,899 | ||||
| Deposits | Table 10 | |||||||||||
| June 30, | March 31, | December 31, | June 30, | |||||||||
| (dollars in thousands) | 2025 | 2025 | 2024 | 2024 | ||||||||
| Demand | $ | 6,844,432 | $ | 6,885,551 | $ | 6,975,148 | $ | 6,857,467 | ||||
| Savings | 6,219,801 | 6,110,796 | 6,021,364 | 6,055,051 | ||||||||
| Money Market | 3,777,681 | 3,865,203 | 4,027,334 | 4,111,609 | ||||||||
| Time | 3,389,505 | 3,354,266 | 3,298,370 | 3,294,705 | ||||||||
| Total Deposits | $ | 20,231,419 | $ | 20,215,816 | $ | 20,322,216 | $ | 20,318,832 | ||||
| Non-Performing Assets and Accruing Loans and Leases Past Due 90 Days or More | Table 11 | |||||||||||
| June 30, | March 31, | December 31, | June 30, | |||||||||
| (dollars in thousands) | 2025 | 2025 | 2024 | 2024 | ||||||||
| Non-Performing Assets | ||||||||||||
| Non-Accrual Loans and Leases | ||||||||||||
| Commercial Loans: | ||||||||||||
| Commercial and industrial | $ | 1,184 | $ | — | $ | 329 | $ | 1,084 | ||||
| Commercial real estate | 3,185 | 216 | 411 | 3,085 | ||||||||
| Construction | 904 | 375 | — | 447 | ||||||||
| Total Commercial Loans | 5,273 | 591 | 740 | 4,616 | ||||||||
| Residential Loans: | ||||||||||||
| Residential mortgage | 15,032 | 12,809 | 12,768 | 7,273 | ||||||||
| Home equity line | 8,286 | 6,788 | 7,171 | 6,124 | ||||||||
| Total Residential Loans | 23,318 | 19,597 | 19,939 | 13,397 | ||||||||
| Total Non-Accrual Loans and Leases | 28,591 | 20,188 | 20,679 | 18,013 | ||||||||
| Total Non-Performing Assets | $ | 28,591 | $ | 20,188 | $ | 20,679 | $ | 18,013 | ||||
| Accruing Loans and Leases Past Due 90 Days or More | ||||||||||||
| Commercial Loans: | ||||||||||||
| Commercial and industrial | $ | 942 | $ | 740 | $ | 1,432 | $ | 110 | ||||
| Construction | — | — | 536 | — | ||||||||
| Total Commercial Loans | 942 | 740 | 1,968 | 110 | ||||||||
| Residential mortgage | 309 | 1,008 | 1,317 | 1,820 | ||||||||
| Consumer | 3,187 | 2,554 | 2,734 | 1,835 | ||||||||
| Total Accruing Loans and Leases Past Due 90 Days or More | $ | 4,438 | $ | 4,302 | $ | 6,019 | $ | 3,765 | ||||
| Total Loans and Leases | $ | 14,351,869 | $ | 14,293,036 | $ | 14,408,258 | $ | 14,359,899 | ||||
| Allowance for Credit Losses and Reserve for Unfunded Commitments | Table 12 | ||||||||||||||||||||
| For the Three Months Ended | For the Six Months Ended | ||||||||||||||||||||
| June 30, | March 31, | June 30, | June 30, | June 30, | |||||||||||||||||
| (dollars in thousands) | 2025 | 2025 | 2024 | 2025 | 2024 | ||||||||||||||||
| Balance at Beginning of Period | $ | 199,959 | $ | 193,240 | $ | 194,649 | $ | 193,240 | $ | 192,138 | |||||||||||
| Loans and Leases Charged-Off | |||||||||||||||||||||
| Commercial Loans: | |||||||||||||||||||||
| Commercial and industrial | (688 | ) | (1,459 | ) | (677 | ) | (2,147 | ) | (1,586 | ) | |||||||||||
| Lease financing | (82 | ) | — | — | (82 | ) | — | ||||||||||||||
| Total Commercial Loans | (770 | ) | (1,459 | ) | (677 | ) | (2,229 | ) | (1,586 | ) | |||||||||||
| Home equity line | (16 | ) | (14 | ) | — | (30 | ) | — | |||||||||||||
| Consumer | (4,543 | ) | (5,025 | ) | (4,182 | ) | (9,568 | ) | (9,036 | ) | |||||||||||
| Total Loans and Leases Charged-Off | (5,329 | ) | (6,498 | ) | (4,859 | ) | (11,827 | ) | (10,622 | ) | |||||||||||
| Recoveries on Loans and Leases Previously Charged-Off | |||||||||||||||||||||
| Commercial Loans: | |||||||||||||||||||||
| Commercial and industrial | 196 | 403 | 250 | 599 | 461 | ||||||||||||||||
| Commercial real estate | — | 251 | — | 251 | — | ||||||||||||||||
| Total Commercial Loans | 196 | 654 | 250 | 850 | 461 | ||||||||||||||||
| Residential Loans: | |||||||||||||||||||||
| Residential mortgage | 109 | 20 | 28 | 129 | 58 | ||||||||||||||||
| Home equity line | 32 | 64 | 112 | 96 | 156 | ||||||||||||||||
| Total Residential Loans | 141 | 84 | 140 | 225 | 214 | ||||||||||||||||
| Consumer | 1,705 | 1,979 | 1,950 | 3,684 | 3,639 | ||||||||||||||||
| Total Recoveries on Loans and Leases Previously Charged-Off | 2,042 | 2,717 | 2,340 | 4,759 | 4,314 | ||||||||||||||||
| Net Loans and Leases Charged-Off | (3,287 | ) | (3,781 | ) | (2,519 | ) | (7,068 | ) | (6,308 | ) | |||||||||||
| Provision for Credit Losses | 4,500 | 10,500 | 1,800 | 15,000 | 8,100 | ||||||||||||||||
| Balance at End of Period | $ | 201,172 | $ | 199,959 | $ | 193,930 | $ | 201,172 | $ | 193,930 | |||||||||||
| Components: | |||||||||||||||||||||
| Allowance for Credit Losses | $ | 167,825 | $ | 166,612 | $ | 160,517 | $ | 167,825 | $ | 160,517 | |||||||||||
| Reserve for Unfunded Commitments | 33,347 | 33,347 | 33,413 | 33,347 | 33,413 | ||||||||||||||||
| Total Allowance for Credit Losses and Reserve for Unfunded Commitments | $ | 201,172 | $ | 199,959 | $ | 193,930 | $ | 201,172 | $ | 193,930 | |||||||||||
| Average Loans and Leases Outstanding | $ | 14,288,918 | $ | 14,309,998 | $ | 14,358,049 | $ | 14,299,400 | $ | 14,335,306 | |||||||||||
| Ratio of Net Loans and Leases Charged-Off to Average Loans and Leases Outstanding(1) | 0.09 | % | 0.11 | % | 0.07 | % | 0.10 | % | 0.09 | % | |||||||||||
| Ratio of Allowance for Credit Losses for Loans and Leases to Loans and Leases Outstanding | 1.17 | % | 1.17 | % | 1.12 | % | 1.17 | % | 1.12 | % | |||||||||||
| Ratio of Allowance for Credit Losses for Loans and Leases to Non-accrual Loans and Leases | 5.87x | 8.25x | 8.91x | 5.87x | 8.91x | ||||||||||||||||
| (1) | Annualized for the three and six months ended June 30, 2025 and 2024 and three months ended March 31, 2025. | |||||||||||||||||
| Loans and Leases by Year of Origination and Credit Quality Indicator | Table 13 | ||||||||||||||||||||||||||
| Revolving | |||||||||||||||||||||||||||
| Loans | |||||||||||||||||||||||||||
| Converted | |||||||||||||||||||||||||||
| Term Loans | Revolving | to Term | |||||||||||||||||||||||||
| Amortized Cost Basis by Origination Year | Loans | Loans | |||||||||||||||||||||||||
| Amortized | Amortized | ||||||||||||||||||||||||||
| (dollars in thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Cost Basis | Total | ||||||||||||||||||
| Commercial Lending | |||||||||||||||||||||||||||
| Commercial and Industrial | |||||||||||||||||||||||||||
| Risk rating: | |||||||||||||||||||||||||||
| Pass | $ | 75,108 | $ | 143,460 | $ | 64,613 | $ | 158,143 | $ | 194,932 | $ | 239,648 | $ | 1,282,369 | $ | 21,144 | $ | 2,179,417 | |||||||||
| Special Mention | 407 | 874 | 2,114 | 1,589 | 123 | 21,393 | 24,455 | — | 50,955 | ||||||||||||||||||
| Substandard | 537 | — | — | 10,554 | 39 | 1,193 | 42,079 | — | 54,402 | ||||||||||||||||||
| Other (1) | 11,171 | 11,347 | 6,926 | 5,216 | 1,851 | 1,583 | 47,342 | — | 85,436 | ||||||||||||||||||
| Total Commercial and Industrial | 87,223 | 155,681 | 73,653 | 175,502 | 196,945 | 263,817 | 1,396,245 | 21,144 | 2,370,210 | ||||||||||||||||||
| Current period gross charge-offs | 1 | 43 | 95 | 202 | 356 | 1,420 | 30 | — | 2,147 | ||||||||||||||||||
| Commercial Real Estate | |||||||||||||||||||||||||||
| Risk rating: | |||||||||||||||||||||||||||
| Pass | 169,890 | 290,636 | 374,749 | 795,676 | 655,689 | 1,822,004 | 101,260 | 7,588 | 4,217,492 | ||||||||||||||||||
| Special Mention | — | 3,336 | 1,682 | 7,455 | 41,396 | 54,805 | 11,003 | — | 119,677 | ||||||||||||||||||
| Substandard | — | 5,613 | 540 | 57,437 | 1,005 | 9,193 | 500 | — | 74,288 | ||||||||||||||||||
| Other (1) | — | — | — | — | — | 128 | — | — | 128 | ||||||||||||||||||
| Total Commercial Real Estate | 169,890 | 299,585 | 376,971 | 860,568 | 698,090 | 1,886,130 | 112,763 | 7,588 | 4,411,585 | ||||||||||||||||||
| Current period gross charge-offs | — | — | — | — | — | — | — | — | — | ||||||||||||||||||
| Construction | |||||||||||||||||||||||||||
| Risk rating: | |||||||||||||||||||||||||||
| Pass | 10,471 | 141,948 | 207,877 | 285,083 | 134,469 | 49,647 | 21,163 | — | 850,658 | ||||||||||||||||||
| Special Mention | — | — | — | — | — | 138 | — | — | 138 | ||||||||||||||||||
| Substandard | — | — | — | — | — | 904 | — | — | 904 | ||||||||||||||||||
| Other (1) | 2,557 | 14,216 | 6,299 | 5,200 | 1,486 | 2,153 | 695 | — | 32,606 | ||||||||||||||||||
| Total Construction | 13,028 | 156,164 | 214,176 | 290,283 | 135,955 | 52,842 | 21,858 | — | 884,306 | ||||||||||||||||||
| Current period gross charge-offs | — | — | — | — | — | — | — | — | — | ||||||||||||||||||
| Lease Financing | |||||||||||||||||||||||||||
| Risk rating: | |||||||||||||||||||||||||||
| Pass | 75,371 | 87,087 | 96,362 | 52,286 | 12,405 | 96,879 | — | — | 420,390 | ||||||||||||||||||
| Special Mention | — | — | 209 | — | 169 | — | — | — | 378 | ||||||||||||||||||
| Substandard | — | 5,418 | 488 | 266 | — | — | — | — | 6,172 | ||||||||||||||||||
| Total Lease Financing | 75,371 | 92,505 | 97,059 | 52,552 | 12,574 | 96,879 | — | — | 426,940 | ||||||||||||||||||
| Current period gross charge-offs | — | — | — | — | — | 82 | — | — | 82 | ||||||||||||||||||
| Total Commercial Lending | $ | 345,512 | $ | 703,935 | $ | 761,859 | $ | 1,378,905 | $ | 1,043,564 | $ | 2,299,668 | $ | 1,530,866 | $ | 28,732 | $ | 8,093,041 | |||||||||
| Current period gross charge-offs | $ | 1 | $ | 43 | $ | 95 | $ | 202 | $ | 356 | $ | 1,502 | $ | 30 | $ | — | $ | 2,229 | |||||||||
(continued)
| Revolving | |||||||||||||||||||||||||||
| Loans | |||||||||||||||||||||||||||
| Converted | |||||||||||||||||||||||||||
| Term Loans | Revolving | to Term | |||||||||||||||||||||||||
| Amortized Cost Basis by Origination Year | Loans | Loans | |||||||||||||||||||||||||
| (continued) | Amortized | Amortized | |||||||||||||||||||||||||
| (dollars in thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Cost Basis | Total | ||||||||||||||||||
| Residential Lending | |||||||||||||||||||||||||||
| Residential Mortgage | |||||||||||||||||||||||||||
| FICO: | |||||||||||||||||||||||||||
| 740 and greater | $ | 75,024 | $ | 152,336 | $ | 184,091 | $ | 466,879 | $ | 889,999 | $ | 1,539,891 | $ | — | $ | — | $ | 3,308,220 | |||||||||
| 680 - 739 | 7,541 | 20,371 | 27,773 | 80,105 | 119,482 | 192,183 | — | — | 447,455 | ||||||||||||||||||
| 620 - 679 | 4,787 | 1,274 | 5,446 | 8,256 | 25,983 | 37,856 | — | — | 83,602 | ||||||||||||||||||
| 550 - 619 | — | 1,508 | 444 | 7,226 | 6,840 | 26,115 | — | — | 42,133 | ||||||||||||||||||
| Less than 550 | — | 156 | 1,439 | 1,547 | 3,123 | 7,033 | — | — | 13,298 | ||||||||||||||||||
| No Score (3) | 1,471 | 9,893 | 6,036 | 16,659 | 9,758 | 47,459 | — | — | 91,276 | ||||||||||||||||||
| Other (2) | 11,078 | 7,868 | 11,820 | 16,274 | 13,972 | 35,769 | 3,062 | — | 99,843 | ||||||||||||||||||
| Total Residential Mortgage | 99,901 | 193,406 | 237,049 | 596,946 | 1,069,157 | 1,886,306 | 3,062 | — | 4,085,827 | ||||||||||||||||||
| Current period gross charge-offs | — | — | — | — | — | — | — | — | — | ||||||||||||||||||
| Home Equity Line | |||||||||||||||||||||||||||
| FICO: | |||||||||||||||||||||||||||
| 740 and greater | — | — | — | — | — | — | 926,318 | 1,275 | 927,593 | ||||||||||||||||||
| 680 - 739 | — | — | — | — | — | — | 173,339 | 1,656 | 174,995 | ||||||||||||||||||
| 620 - 679 | — | — | — | — | — | — | 34,428 | 579 | 35,007 | ||||||||||||||||||
| 550 - 619 | — | — | — | — | — | — | 14,006 | 552 | 14,558 | ||||||||||||||||||
| Less than 550 | — | — | — | — | — | — | 8,129 | 395 | 8,524 | ||||||||||||||||||
| No Score (3) | — | — | — | — | — | — | 1,199 | — | 1,199 | ||||||||||||||||||
| Total Home Equity Line | — | — | — | — | — | — | 1,157,419 | 4,457 | 1,161,876 | ||||||||||||||||||
| Current period gross charge-offs | — | — | — | — | — | — | 30 | — | 30 | ||||||||||||||||||
| Total Residential Lending | $ | 99,901 | $ | 193,406 | $ | 237,049 | $ | 596,946 | $ | 1,069,157 | $ | 1,886,306 | $ | 1,160,481 | $ | 4,457 | $ | 5,247,703 | |||||||||
| Current period gross charge-offs | $ | — | $ | — | $ | — | $ | — | $ | — | $ | — | $ | 30 | $ | — | $ | 30 | |||||||||
| Consumer Lending | |||||||||||||||||||||||||||
| FICO: | |||||||||||||||||||||||||||
| 740 and greater | 61,761 | 75,352 | 53,350 | 65,835 | 31,177 | 10,411 | 95,804 | 96 | 393,786 | ||||||||||||||||||
| 680 - 739 | 41,443 | 60,382 | 35,296 | 33,253 | 15,631 | 6,463 | 84,324 | 568 | 277,360 | ||||||||||||||||||
| 620 - 679 | 20,622 | 26,812 | 14,646 | 15,734 | 7,570 | 4,810 | 50,024 | 817 | 141,035 | ||||||||||||||||||
| 550 - 619 | 2,805 | 9,190 | 7,165 | 8,375 | 4,849 | 3,479 | 16,574 | 888 | 53,325 | ||||||||||||||||||
| Less than 550 | 664 | 3,896 | 4,177 | 4,758 | 2,669 | 2,281 | 5,594 | 545 | 24,584 | ||||||||||||||||||
| No Score (3) | 545 | 232 | 58 | 21 | — | 13 | 38,412 | 186 | 39,467 | ||||||||||||||||||
| Other (2) | 229 | — | 601 | 240 | 583 | 1,032 | 78,883 | — | 81,568 | ||||||||||||||||||
| Total Consumer Lending | $ | 128,069 | $ | 175,864 | $ | 115,293 | $ | 128,216 | $ | 62,479 | $ | 28,489 | $ | 369,615 | $ | 3,100 | $ | 1,011,125 | |||||||||
| Current period gross charge-offs | $ | 35 | $ | 1,282 | $ | 998 | $ | 986 | $ | 506 | $ | 1,299 | $ | 3,966 | $ | 496 | $ | 9,568 | |||||||||
| Total Loans and Leases | $ | 573,482 | $ | 1,073,205 | $ | 1,114,201 | $ | 2,104,067 | $ | 2,175,200 | $ | 4,214,463 | $ | 3,060,962 | $ | 36,289 | $ | 14,351,869 | |||||||||
| Current period gross charge-offs | $ | 36 | $ | 1,325 | $ | 1,093 | $ | 1,188 | $ | 862 | $ | 2,801 | $ | 4,026 | $ | 496 | $ | 11,827 | |||||||||
| (1) | Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score (680 and above). As of June 30, 2025, the majority of the loans in this population were current. | ||||||||||||||||
| (2) | Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating. As of June 30, 2025, the majority of the loans in this population were current. | ||||||||||||||||
| (3) | No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance. | ||||||||||||||||
| GAAP to Non-GAAP Reconciliation | Table 14 | |||||||||||||||
| For the Three Months Ended | For the Six Months Ended | |||||||||||||||
| June 30, | March 31, | June 30, | June 30, | |||||||||||||
| (dollars in thousands) | 2025 | 2025 | 2024 | 2025 | 2024 | |||||||||||
| Income Statement Data: | ||||||||||||||||
| Net income | $ | 73,247 | $ | 59,248 | $ | 61,921 | $ | 132,495 | $ | 116,141 | ||||||
| Average total stockholders' equity | $ | 2,663,850 | $ | 2,641,978 | $ | 2,512,471 | $ | 2,652,975 | $ | 2,504,656 | ||||||
| Less: average goodwill | 995,492 | 995,492 | 995,492 | 995,492 | 995,492 | |||||||||||
| Average tangible stockholders' equity | $ | 1,668,358 | $ | 1,646,486 | $ | 1,516,979 | $ | 1,657,483 | $ | 1,509,164 | ||||||
| Average total assets | $ | 23,859,410 | $ | 23,890,459 | $ | 23,958,913 | $ | 23,874,849 | $ | 24,073,060 | ||||||
| Less: average goodwill | 995,492 | 995,492 | 995,492 | 995,492 | 995,492 | |||||||||||
| Average tangible assets | $ | 22,863,918 | $ | 22,894,967 | $ | 22,963,421 | $ | 22,879,357 | $ | 23,077,568 | ||||||
| Return on average total stockholders' equity(1) | 11.03 | % | 9.09 | % | 9.91 | % | 10.07 | % | 9.32 | % | ||||||
| Return on average tangible stockholders' equity (non-GAAP)(1) | 17.61 | % | 14.59 | % | 16.42 | % | 16.12 | % | 15.48 | % | ||||||
| Return on average total assets(1) | 1.23 | % | 1.01 | % | 1.04 | % | 1.12 | % | 0.97 | % | ||||||
| Return on average tangible assets (non-GAAP)(1) | 1.28 | % | 1.05 | % | 1.08 | % | 1.17 | % | 1.01 | % | ||||||
| As of | As of | As of | As of | ||||||||||
| June 30, | March 31, | December 31, | June 30, | ||||||||||
| (dollars in thousands, except per share amounts) | 2025 | 2025 | 2024 | 2024 | |||||||||
| Balance Sheet Data: | |||||||||||||
| Total stockholders' equity | $ | 2,694,545 | $ | 2,648,852 | $ | 2,617,486 | $ | 2,550,312 | |||||
| Less: goodwill | 995,492 | 995,492 | 995,492 | 995,492 | |||||||||
| Tangible stockholders' equity | $ | 1,699,053 | $ | 1,653,360 | $ | 1,621,994 | $ | 1,554,820 | |||||
| Total assets | $ | 23,837,147 | $ | 23,744,958 | $ | 23,828,186 | $ | 23,991,791 | |||||
| Less: goodwill | 995,492 | 995,492 | 995,492 | 995,492 | |||||||||
| Tangible assets | $ | 22,841,655 | $ | 22,749,466 | $ | 22,832,694 | $ | 22,996,299 | |||||
| Shares outstanding | 124,683,544 | 125,692,598 | 126,422,898 | 127,879,012 | |||||||||
| Total stockholders' equity to total assets | 11.30 | % | 11.16 | % | 10.98 | % | 10.63 | % | |||||
| Tangible stockholders' equity to tangible assets (non-GAAP) | 7.44 | % | 7.27 | % | 7.10 | % | 6.76 | % | |||||
| Book value per share | $ | 21.61 | $ | 21.07 | $ | 20.70 | $ | 19.94 | |||||
| Tangible book value per share (non-GAAP) | $ | 13.63 | $ | 13.15 | $ | 12.83 | $ | 12.16 | |||||
| (1) | Annualized for the three and six months ended June 30, 2025 and 2024 and three months ended March 31, 2025. | |||||||||||||||
FAQ
What was First Hawaiian's (FHB) earnings per share in Q2 2025?
How much is First Hawaiian's (FHB) quarterly dividend for Q2 2025?
What was First Hawaiian's (FHB) net interest margin in Q2 2025?
How much did First Hawaiian (FHB) spend on share repurchases in Q2 2025?
What is First Hawaiian's (FHB) loan quality status in Q2 2025?
