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Distressed Note Industry
Hawaii Residential Real Estate
Analyzing residential real estate loan performance across 24 Hawaii banks
As of Q2 2025, 24 Hawaii banks report residential real estate portfolios totaling $36.7B. Non-performing loans in this category total $152.0M — an average NPL ratio of 0.41% — with $102.7M 30-89 days delinquent, $30.1M 90+ days delinquent, and $121.9M in nonaccrual status. The most distressed lender in this category is FIRST HAWAIIAN BANK (HI) with an NPL ratio of 4.40%.
Total Lenders
24
Total Loan Portfolio
$36.7B
Total NPL
$152.0M
Average NPL %
0.41%
Delinquency Breakdown
30-89 Days
$102.7M
90+ Days
$30.1M
Nonaccrual
$121.9M
Charge-offs
$520K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Hawaii
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST HAWAIIAN BANK | HI | $10.8M | $474K | 4.40% |
| FINANCE FACTORS, LIMITED | HI | $208.3M | $4.1M | 1.97% |
| FINANCE FACTORS, LIMITED | HI | $256.6M | $4.4M | 1.70% |
| CENTRAL PACIFIC BANK | HI | $10.6M | $115K | 1.08% |
| CENTRAL PACIFIC BANK | HI | $1.8B | $13.8M | 0.75% |
| FIRST HAWAIIAN BANK | HI | $1.1B | $8.3M | 0.73% |
| CENTRAL PACIFIC BANK | HI | $2.5B | $15.9M | 0.64% |
| AMERICAN SAVINGS BANK, F.S.B. | HI | $615.5M | $3.8M | 0.61% |
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