BOHMEDIUM SIGNALFINANCIAL10-K

BOH delivered strong financial performance with 37% net income growth driven by improved operating efficiency and capital position strengthening.

The substantial increase in net income alongside strong operating cash flow growth and expanded cash reserves indicates effective operational execution and improved profitability. The company maintained its "well capitalized" regulatory status while reducing FDIC insurance costs, suggesting both regulatory compliance strength and improved risk profile.

Comparing 2026-02-24 vs 2025-03-04View on EDGAR →
FINANCIAL ANALYSIS

BOH demonstrated robust financial improvement across all key metrics, with net income surging 37% to $205.9M supported by 22% operating cash flow growth to $218.3M. The balance sheet strengthened significantly with cash and equivalents increasing 24% to $946.5M and stockholders' equity growing 11% to $1.9B, while declining FDIC insurance assessments from $17.9M to $11.2M suggest improved risk metrics. This comprehensive financial strengthening across profitability, liquidity, and capital adequacy signals strong operational execution and positions the bank favorably for continued growth.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+37.3%
$150.0M→$205.9M

Net income grew 37.3% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
+24%
$763.6M→$946.5M

Cash grew 24% — improving liquidity position supports investment and shareholder returns.

Operating Cash Flow
Cash Flow
+22.4%
$178.4M→$218.3M

Operating cash flow grew 22.4% — strong conversion of earnings to cash, healthy business fundamentals.

Stockholders Equity
Balance Sheet
+11%
$1.7B→$1.9B

Equity base grew 11% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-03-04
ADDED
As of February 13, 2026, there were 39,657,257 shares of common stock outstanding.
Market for Registrant s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 23 Item 6.
Management s Discussion and Analysis of Financial Condition and Results of Operations 24 Item 7A.
Capital Requirements In 2013, the FRB, the Office of the Comptroller of the Currency (the OCC ) and the FDIC adopted capital rules (the Rules ) designed to help ensure that banks maintain strong capital positions by increasing both the quantity and quality of capital held by U.S.
As of December 31, 2025, the Bank was classified as well capitalized.
The Bank s FDIC insurance assessment was $11.2 million in 2025, $17.9 million in 2024 and $28.3 million in 2023.
The FDIC insurance expense for the years 2024 and 2023 was primarily related to a special assessment, discussed below.
In 2025, the Bank s portion of the special assessment was reduced, which decreased the Company s FDIC insurance expense by $4.8 million.
The reduction in the special assessment was due to a decrease in the FDIC s estimation of losses, as well as a downward adjustment made to the initially reported uninsured deposits balance as of December 31, 2022.
Community Reinvestment and Consumer Protection Laws Community Reinvestment .
REMOVED
As of February 13, 2025, there were 39,760,303 shares of common stock outstanding.
Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 20 Item 6.
Management's Discussion and Analysis of Financial Condition and Results of Operations 22 Item 7A.
The Bank s subsidiaries are identified in Exhibit 21.1 to this Form 10-K and include, among others, Bankoh Investment Services, Inc.
The Bank s subsidiaries are engaged in securities brokerage, investment advisory services, and providing credit insurance.
The federal banking regulators regularly issue new guidance and standards, and update existing guidance and standards, regarding cybersecurity intended to enhance cyber risk management among financial institutions.
Under this rule, a bank holding company, such as Parent, and a national bank, such as the Bank, are required to notify the Federal Reserve of OCC, respectively, within 36 hours of incidents that have materially disrupted or degraded, or are reasonably likely to materially disrupt or degrade, the banking organization's ability to deliver services to a material portion of its customer base, jeopardize the viability of key operations of the banking organization, or pose a threat to the financial stability of the United States.
Bankoh Investment Services, Inc., the broker-dealer and investment adviser subsidiary of the Bank, is incorporated in Hawai i and is regulated by the SEC, the Financial Industry Regulatory Authority, and the DCCA s Insurance Division.
Capital Requirements In July 2013, the FRB, the Office of the Comptroller of the Currency (the OCC ) and the FDIC adopted new capital rules (the Rules ).
These Rules were designed to help ensure that banks maintain strong capital positions by increasing both the quantity and quality of capital held by U.S.
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