Urban Honolulu, HI, a Metropolitan Statistical Area, holds $46.0 billion in deposits across 13 insured institutions and 146 branches, and ranks #58 of 293 U.S. markets by economic output. First Hawaiian Bank is the largest deposit holder at 32.6% share. The top three banks hold 79% of deposits, which places the market in the Concentrated band.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 159 in 2021 to 146 in 2026. Institutions: 13 to 13. Top-three share: 80% to 79%. Average deposits per branch: $315M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Hawaiian Bank | $15.0B | 32.6% | -1% |
| Bank of Hawaii | $14.7B | 32.0% | 0% |
| American Savings Bank | $6.7B | 14.6% | +6% |
| Central Pacific Bank | $5.6B | 12.2% | +5% |
| Bank of Hope | $1.5B | 3.2% | +4% |
| Hawaii National Bank | $691M | 1.5% | -5% |
| Finance Factors, Ltd. | $462M | 1.0% | +21% |
| Mechanics Bank | $381M | 0.8% | -15% |
| Commonwealth Business Bank | $321M | 0.7% | +58% |
| First-Citizens Bank & Trust Company | $297M | 0.6% | +742,035% |
| Sunflower Bank | $209M | 0.5% | +14% |
| Royal Business Bank | $126M | 0.3% | no 2021 presence |
| First American Trust, FSB | $11M | <0.1% | +46% |
The 13 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Honolulu County | Hawaii | $68.3B | 988,703 | 100.0% | 100.0% |
Recruiting in the Urban Honolulu market
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like this one.
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