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.
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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.
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