First Hawaiian is a bank holding company headquartered in Honolulu and operates through its subsidiary, First Hawaiian Bank, the largest bank headquartered in Hawaii by loans and net income. The bank runs 49 branches — 45 in Hawaii, 3 in Guam, and 1 in Saipan — and serves consumer and commercial customers. On the consumer side, First Hawaiian offers residential mortgage lending, indirect auto financing, personal installment loans, and credit cards. On the commercial side, it offers C&I lending, commercial real estate, construction lending, and auto dealer floor plan financing. The bank also provides wealth management, trust services, and merchant processing. First Hawaiian's business model centers on net interest income — the spread between what it earns on loans and securities and what it pays on deposits. Profitability is driven by net interest margin, loan growth, and its low-cost deposit franchise, with noninterest-bearing deposits consistently around 32%–34% of total deposits. Fee income from wealth management, cards, and service charges is a secondary contributor. Hawaii is the core market, underpinned by tourism and U.S. military spending, and the bank has been selectively expanding CRE and C&I lending on the U.S. West Coast Mainland to supplement growth, since its deposit market share in Hawaii exceeds the 30% regulatory cap on in-state acquisitions. First Hawaiian targets disciplined expense control and maintains a well-capitalized balance sheet, returning capital through dividends and share buybacks.