---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-117204"
form_type: "8-K"
ticker: "FHB"
cik: "0000036377"
company_name: "FIRST HAWAIIAN, INC."
filed_at: "2023-11-13T23:59:59+00:00"
generated_at: "2026-06-08T05:50:18.404513+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# FHB Q3 net income $58.2M ($0.46 EPS); Maui wildfire loan exposure $115.7M

## Summary
- Net income $58.2M, diluted EPS $0.46; NIM 2.86%, down 5 bps QoQ; efficiency ratio 58.3%.
- Total deposits grew $433.3M to $21.5B; loans declined $30.5M to $14.3B; CET1 ratio 12.21%.
- Maui wildfire-affected area loans total $115.7M (Lahaina $84.7M, Kula $31.0M); no loans to electric utility.
- Dividend declared at $0.26/share payable Dec 1, 2023; $40M stock repurchase authorization for 2023 unused YTD.
- ROATCE 16.84% (annualized); cost of deposits 1.40%; well-capitalized with strong credit metrics.

## SEC filing metadata
- accession: 0001104659-23-117204
- form_type: 8-K
- ticker: FHB
- cik: 0000036377
- company_name: FIRST HAWAIIAN, INC.
- filed_at: 2023-11-13T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36377/000110465923117204/0001104659-23-117204-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36377/000110465923117204/tm2330467d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-117204
- JSON: https://secwatch.observer/filing/0001104659-23-117204.json
- Plain text: https://secwatch.observer/filing/0001104659-23-117204.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.