# Bank of Hawaii Corporation vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/bank-of-hawaii/vs-peers
Last updated: Oct 20, 2026

*Part of the [Bank of Hawaii Corporation AI strategy profile](https://www.bankingnewsai.com/banks/bank-of-hawaii). Peer group: Cathay General Bancorp, First Hawaiian, Inc., First Interstate BancSystem, Mechanics Bancorp, CVB Financial Corp., WaFd, Inc., Hope Bancorp (Bank of Hope), Glacier Bancorp.*

## How does Bank of Hawaii Corporation compare with its peers on AI and technology?

On this site's AI disclosure index Bank of Hawaii scores 37.8 (#77 of 120 US banks), fourth in a nine-bank group of West regionals behind WaFd (52.3), First Interstate (51.3) and its Honolulu rival First Hawaiian (47.2), and far ahead of Cathay (2.6), Bank of Hope (2.1) and Glacier (2). Its lead is employee AI it has counted and named owners: Microsoft Copilot went to all employees in July 2025 after three training modules, 60 staff act as AI Ambassadors, and the 2025 annual report names an executive director of an AI Development Center and a governance framework with oversight committees and ethical review protocols. It ranks first in the group on named AI leaders. Its gap is AI in front of customers and in credit. First Hawaiian's AI underwriting model, built with Zest AI, lifted automated credit-card decisions from 4% to 55% of applications (vendor-reported, June 2025); WaFd says AI more than doubled its pace of software development (April 2026); First Interstate is piloting a Fiserv agentOS agent for commercial loan onboarding (May 2026). Bank of Hawaii's own AI use cases in wealth discovery and the call center were still being implemented on its April 2026 call, and its Q4 2025 and Q2 2026 calls did not mention AI. On digital reach it discloses more than most peers: 350,000-plus digital enrolments and 6.4 million average monthly logins in 2025. In its home market it holds 34.5% of Hawaii bank deposits against First Hawaiian's 32.1% (FDIC, June 30, 2025). ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [Zest AI (vendor case study)](https://www.zest.ai/learn/success_stories/first-hawaiian-bank/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/01/26/bank-of-hawaii-boh-q4-2025-earnings-transcript), [Investing.com](https://ca.investing.com/news/transcripts/earnings-call-transcript-bank-of-hawaii-posts-mixed-q2-2026-results-as-shares-fall-93CH-4755043), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000054/ex992-bohearningspresent.htm))

## Where does Bank of Hawaii lead its peers on AI?

- **An all-employee Copilot rollout most of the group has not matched.** Bank of Hawaii made Microsoft Copilot available to all employees in July 2025, gated by three mandatory training modules and backed by 60 AI Ambassadors. Bank of Hope's board policy limits AI use until each tool is vetted and approved, and CVB says it uses AI tools only on a selective and limited basis (2026 proxies). ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000153949726001123/n5730_x2-def14a.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm))
- **The most named AI owners in the group.** Bank of Hawaii places first of nine on named AI leaders: its 2025 annual report lists an executive director of an AI Development Center on the Operating Committee, a chief data officer and a director of enterprise data and policy governance. First Interstate names no head of AI or chief data officer, and Cathay names no chief information, technology, data or AI officer among its seven executive officers. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm), [Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926006157/caty20251231c_10k.htm))
- **Digital usage figures First Hawaiian does not publish.** Bank of Hawaii reports 350,000-plus digital enrolments, 6.4 million average monthly logins (up 21% from 2024), 10.3 million mobile-wallet transactions and 189,700 Zelle customers for 2025. First Hawaiian launched a new mobile app with an in-app chatbot in July 2025 but its release gives no user or usage count. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [First Hawaiian Bank](https://www.fhb.com/en/news-release/071725))
- **A written responsible-AI framework with ethical review.** Bank of Hawaii's 2025 annual report describes a governance framework 'which incorporates policies, oversight committees, and ethical review protocols', and its 2026 proxy says the board devotes significant time to AI oversight. CVB is the only other peer with a comparable named body, a six-seat AI Governance Council chaired by its COO; Cathay's filings contain no AI reference at all. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000022/boh-20260313.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm), [Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926006157/caty20251231c_10k.htm))

## Where does Bank of Hawaii trail its peers on AI?

- **No AI in credit decisions while First Hawaiian has one in production.** First Hawaiian won Celent's 2025 Model Bank award for AI-augmented retail lending, and Zest AI reports its model lifted automated credit-card decisions from 4% to 55% and instant approvals from 4% to 40% in a year. Bank of Hawaii discloses no AI in underwriting; its named use cases are wealth discovery and the call center (April 2026). ([Zest AI (vendor page)](https://zest.ai/learn/resources/celent-report-on-the-impact-of-ai-in-retail-lending), [Zest AI (vendor case study)](https://www.zest.ai/learn/success_stories/first-hawaiian-bank/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html))
- **No customer-facing AI agent while WaFd and First Interstate build theirs.** WaFd said in April 2026 it would introduce an AI-powered call-center agent for 24/7 support, and its earlier Amazon Lex voicebot cut calls to live representatives by 45% for enrolled customers (AWS). First Interstate co-built a commercial loan onboarding agent on Fiserv's agentOS. Bank of Hawaii's call-center AI was still a use case in progress on its April 2026 call. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html))
- **Fewer independent sources than First Hawaiian.** Bank of Hawaii scores 4 on independent sources against First Hawaiian's 8, the group leader; most of its AI record comes from its own annual report, 10-K and proxy. First Hawaiian's record includes an analyst award (Celent) and a vendor case study (Zest AI) describing a production model. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [Zest AI (vendor page)](https://zest.ai/learn/resources/celent-report-on-the-impact-of-ai-in-retail-lending), [Zest AI (vendor case study)](https://www.zest.ai/learn/success_stories/first-hawaiian-bank/))
- **No AI-assisted engineering number.** WaFd builds its own consumer online and mobile apps and says AI assistance has more than doubled the pace of development (April 2026). Bank of Hawaii discloses no developer AI tool or engineering metric; its 2025 10-K lists 1,877 full-time-equivalent employees and $443.1 million of noninterest expense, up 7.9%, without attributing any saving to AI. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm))
- **AI silence on most calls.** AI came up on only one of Bank of Hawaii's 2026 calls: the first quarter, when management cited governance work and use cases in wealth and the call center but said it was early to read results. The Q4 2025 call on January 26 and the Q2 2026 call on July 27 contained no AI discussion. First Hawaiian's last four calls also omitted AI. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/01/26/bank-of-hawaii-boh-q4-2025-earnings-transcript), [Investing.com](https://ca.investing.com/news/transcripts/earnings-call-transcript-bank-of-hawaii-posts-mixed-q2-2026-results-as-shares-fall-93CH-4755043), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-hawaiian-inc-beats-q3-2025-earnings-forecast-93CH-4308474), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-hawaiian-q4-2025-beats-eps-forecast-stock-rises-93CH-4477031), [The Motley Fool](https://www.fool.com/earnings/call-transcripts/2026/04/24/first-hawaiian-fhb-q1-2026-earnings-transcript/), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-first-hawaiian-bank-tops-q2-2026-estimates-as-margin-improves-93CH-4812353))

## Where does Bank of Hawaii rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | [52.3](https://www.bankingnewsai.com/banks/ai-index) | #55 of 120 | [8](https://www.bankingnewsai.com/banks/wafd#sources) | [9](https://www.bankingnewsai.com/banks/wafd#sources) | [9 of 13](https://www.bankingnewsai.com/banks/wafd#where) | [18](https://www.bankingnewsai.com/banks/wafd#timeline) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | [51.3](https://www.bankingnewsai.com/banks/ai-index) | #56 of 120 | [7](https://www.bankingnewsai.com/banks/first-interstate#sources) | [17](https://www.bankingnewsai.com/banks/first-interstate#sources) | [5 of 11](https://www.bankingnewsai.com/banks/first-interstate#where) | [21](https://www.bankingnewsai.com/banks/first-interstate#timeline) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| [First Hawaiian, Inc.](https://www.bankingnewsai.com/banks/first-hawaiian) | [47.2](https://www.bankingnewsai.com/banks/ai-index) | #62 of 120 | [8](https://www.bankingnewsai.com/banks/first-hawaiian#sources) | [21](https://www.bankingnewsai.com/banks/first-hawaiian#sources) | [12 of 16](https://www.bankingnewsai.com/banks/first-hawaiian#where) | [13](https://www.bankingnewsai.com/banks/first-hawaiian#timeline) | Not disclosed |
| [Bank of Hawaii Corporation (this page)](https://www.bankingnewsai.com/banks/bank-of-hawaii) | [37.8](https://www.bankingnewsai.com/banks/ai-index) | #77 of 120 | [4](https://www.bankingnewsai.com/banks/bank-of-hawaii#sources) | [17](https://www.bankingnewsai.com/banks/bank-of-hawaii#sources) | [11 of 15](https://www.bankingnewsai.com/banks/bank-of-hawaii#where) | [17](https://www.bankingnewsai.com/banks/bank-of-hawaii#timeline) | Not disclosed |
| [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | [16.8](https://www.bankingnewsai.com/banks/ai-index) | #99 of 120 | [1](https://www.bankingnewsai.com/banks/cvb-financial#sources) | [18](https://www.bankingnewsai.com/banks/cvb-financial#sources) | [8 of 8](https://www.bankingnewsai.com/banks/cvb-financial#where) | [17](https://www.bankingnewsai.com/banks/cvb-financial#timeline) | Not disclosed |
| [Cathay General Bancorp](https://www.bankingnewsai.com/banks/cathay) | [2.6](https://www.bankingnewsai.com/banks/ai-index) | #110 of 120 | [4](https://www.bankingnewsai.com/banks/cathay#sources) | [19](https://www.bankingnewsai.com/banks/cathay#sources) | [9 of 10](https://www.bankingnewsai.com/banks/cathay#where) | [11](https://www.bankingnewsai.com/banks/cathay#timeline) | Not disclosed |
| [Mechanics Bancorp](https://www.bankingnewsai.com/banks/mechanics) | [2.3](https://www.bankingnewsai.com/banks/ai-index) | #112 of 120 | [3](https://www.bankingnewsai.com/banks/mechanics#sources) | [21](https://www.bankingnewsai.com/banks/mechanics#sources) | [7 of 10](https://www.bankingnewsai.com/banks/mechanics#where) | [15](https://www.bankingnewsai.com/banks/mechanics#timeline) | Not disclosed |
| [Hope Bancorp (Bank of Hope)](https://www.bankingnewsai.com/banks/bank-of-hope) | [2.1](https://www.bankingnewsai.com/banks/ai-index) | #114 of 120 | [3](https://www.bankingnewsai.com/banks/bank-of-hope#sources) | [23](https://www.bankingnewsai.com/banks/bank-of-hope#sources) | [6 of 8](https://www.bankingnewsai.com/banks/bank-of-hope#where) | [14](https://www.bankingnewsai.com/banks/bank-of-hope#timeline) | Not disclosed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |

## On which parts of the AI record is Bank of Hawaii ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Bank of Hawaii and the 8 peers that are scored on the same basis. "Place" is Bank of Hawaii's position in the group of 9 (1st = most).

| Component (weight) | Bank of Hawaii | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 4 | 3.5 | [First Hawaiian (8)](https://www.bankingnewsai.com/banks/first-hawaiian) | 4th of 9 |
| Use cases in production (10%) | 11 | 7.5 | [First Hawaiian (12)](https://www.bankingnewsai.com/banks/first-hawaiian) | 2nd of 9 |
| Own primary disclosures (10%) | 17 | 18.5 | [Bank of Hope (23)](https://www.bankingnewsai.com/banks/bank-of-hope) | 7th of 9 |
| Dated moves, last 12 months (10%) | 17 | 14.5 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 3rd of 9 |
| Disclosed numbers (5%) | 14 | 12 | [First Interstate (15)](https://www.bankingnewsai.com/banks/first-interstate) | 2nd of 9 |
| Named AI leaders (5%) | 10 | 6.5 | [Bank of Hawaii (10)](https://www.bankingnewsai.com/banks/bank-of-hawaii) | 1st of 9 |
| Use cases described (5%) | 15 | 10 | [First Hawaiian (16)](https://www.bankingnewsai.com/banks/first-hawaiian) | 2nd of 9 |

## What has each bank in Bank of Hawaii's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Bank of Hawaii Corporation](https://www.bankingnewsai.com/banks/bank-of-hawaii) | Not disclosed | [10, incl. James C. Polk (President and CEO)](https://www.bankingnewsai.com/banks/bank-of-hawaii#people) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-shareholders-elect-directors-100836326.html)) | Digital enrolments / average monthly logins: 350,000+ / 6.4 million (Dec 31, 2025) ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm)) | Not disclosed | Not surveyed |
| [Cathay General Bancorp](https://www.bankingnewsai.com/banks/cathay) | Not disclosed | [6, incl. Chang M. Liu (President and CEO)](https://www.bankingnewsai.com/banks/cathay#people) ([Cathay General Bancorp](https://cathaygeneralbancorp.com/CGB/pr-20260722), [Cathay General Bancorp](https://cathaybank.com/CGB/annual-report-2025)) | Earnings calls with an AI mention, Q1 2025 to Q2 2026: 0 of 6 (Jul 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-q1-2025-beats-eps-forecast-93CH-3994460), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-sees-strong-q2-2025-growth-93CH-4286918), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/22/cathay-caty-q3-2025-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-beats-q4-2025-earnings-forecasts-93CH-4461755), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/22/cathay-caty-q1-2026-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-tops-q2-2026-estimates-93CH-4807238)) | Not disclosed | Not surveyed |
| [First Hawaiian, Inc.](https://www.bankingnewsai.com/banks/first-hawaiian) | Not disclosed | [7, incl. Bob Harrison (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-hawaiian#people) ([American Banker](https://americanbanker.com/news/first-hawaiian-strikes-2b-deal-to-return-to-u-s-mainland), [First Hawaiian, Inc. (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/24/3332805/0/en/first-hawaiian-inc-reports-second-quarter-2026-financial-results-and-declares-dividend.html)) | Automated credit-card decisions (vendor-reported, Zest AI): 55% of applications, from 4%; instant approvals 40%, from 4% (Jun 5, 2025) ([Zest AI (vendor case study)](https://www.zest.ai/learn/success_stories/first-hawaiian-bank/)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/first-hawaiian#roles) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) | [9, incl. Jim Reuter (President and CEO)](https://www.bankingnewsai.com/banks/first-interstate#people) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [American Banker](https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth)) | Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | Not disclosed | Not surveyed |
| [Mechanics Bancorp](https://www.bankingnewsai.com/banks/mechanics) | Not disclosed | [5, incl. C.J. Johnson (President and CEO)](https://www.bankingnewsai.com/banks/mechanics#people) ([Mechanics Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/mechanics-bancorp-reports-second-quarter-094500935.html)) | Full-time equivalent employees: 1,756 (from 2,036 at 30 September 2025, after the merger) (Jun 30, 2026) ([Mechanics Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000057/a2q2026earningsrelease.htm)) | Not disclosed | Not surveyed |
| [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | Not disclosed | [7, incl. David A. Brager (Chief Executive Officer)](https://www.bankingnewsai.com/banks/cvb-financial#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q3-2025-earnings_call-367007.html), [Citizens Business Bank](https://cbbank.com/about-us/leadership-team)) | Seats on the AI Governance Council (COO as chair, CIO, CISO, Human Resource Director, Deputy Chief Credit Officer, Associate General Counsel): 6 (Apr 7, 2026) ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm)) | Not disclosed | Not surveyed |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) | [8, incl. Brent Beardall (President and CEO)](https://www.bankingnewsai.com/banks/wafd#people) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm)) | Software development pace with AI assistance: > 2x (Apr 17, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) | Not disclosed | Not surveyed |
| [Hope Bancorp (Bank of Hope)](https://www.bankingnewsai.com/banks/bank-of-hope) | Not disclosed | [4, incl. Kevin S. Kim (Chairman, President and CEO, Hope Bancorp)](https://www.bankingnewsai.com/banks/bank-of-hope#people) ([Hope Bancorp (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202607270800BIZWIRE_USPRX____20260727_BW546817-1), [American Banker](https://www.americanbanker.com/news/l-a-bank-to-buy-u-s-commercial-banking-unit-from-japans-smbc)) | Full-time equivalent employees (Bank and Hope Bancorp): 1,434 (1,244 a year earlier) (Dec 31, 2025) ([Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000112836126000011/hope-20251231.htm)) | Not disclosed | Not surveyed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Bank of Hawaii and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | Q4 FY2026 call: EverBank merger, no AI update ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491)) |
| Oct 1, 2026 | [Bank of Hope](https://www.bankingnewsai.com/banks/bank-of-hope) | SMBC MANUBANK commercial banking unit acquisition completed ([Hope Bancorp (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202610010830BIZWIRE_USPRX____20261001_BW057537-1), [Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000112836126000049/hope-20261001.htm)) |
| Sep 16, 2026 | [Mechanics Bank](https://www.bankingnewsai.com/banks/mechanics) | Runoff auto portfolio sold to Bank of America ([Mechanics Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000068/mchbautoportfoliosalesept2.htm)) |
| Sep 10, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | nCino: WaFd piloting Analyst Digital Partner for credit risk ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Sep 2, 2026 | [Bank of Hope](https://www.bankingnewsai.com/banks/bank-of-hope) | Regulatory approvals for the SMBC MANUBANK unit ([Hope Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/bank-hope-receives-regulatory-approvals-203000121.html)) |
| Aug 21, 2026 | [Mechanics Bank](https://www.bankingnewsai.com/banks/mechanics) | Senior Citizens Day fraud-prevention guidance ([Mechanics Bank](https://mechanicsbank.com/resources/resources-tools/insights/senior-citizens-day-fraud-prevention)) |
| Aug 21, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| Aug 14, 2026 | [First Hawaiian](https://www.bankingnewsai.com/banks/first-hawaiian) | TriCo Integration Management Office established ([First Hawaiian, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/36377/000110465926097140/tm2620283d10_425.htm)) |
| Aug 7, 2026 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | Q2 2026 10-Q: computer software expense up 39.14% ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |
| Aug 7, 2026 | [Cathay Bank](https://www.bankingnewsai.com/banks/cathay) | Q2 2026 10-Q: still no AI reference ([Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926026554/caty20260630_10q.htm)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 3, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Q2 2026 10-Q: no material change to risk factors ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm)) |
| Aug 3, 2026 | [First Hawaiian](https://www.bankingnewsai.com/banks/first-hawaiian) | Q2 2026 10-Q mentions AI only as a forward-looking factor ([First Hawaiian, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/36377/000110465926089785/fhb-20260630x10q.htm)) |
| Jul 28, 2026 | [Bank of Hawaii](https://www.bankingnewsai.com/banks/bank-of-hawaii) | Second-quarter 2026 10-Q: AI risk factor only ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000056/boh-20260630.htm)) |
| Jul 27, 2026 | [Bank of Hawaii](https://www.bankingnewsai.com/banks/bank-of-hawaii) | Second-quarter 2026 call: no AI discussion ([Investing.com](https://ca.investing.com/news/transcripts/earnings-call-transcript-bank-of-hawaii-posts-mixed-q2-2026-results-as-shares-fall-93CH-4755043)) |
| Jul 23, 2026 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | Q2 2026 results: AI appears only as a forward-looking factor ([Yahoo Finance](https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q1-2026-earnings_call-544871.html), [Yahoo Finance](https://finance.yahoo.com/quote/BCV.F/earnings/BCV.F-Q2-2026-earnings_call-653685.html), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |
| Jul 22, 2026 | [Cathay Bank](https://www.bankingnewsai.com/banks/cathay) | Second-quarter 2026 results ([Cathay General Bancorp](https://cathaygeneralbancorp.com/CGB/pr-20260722), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-tops-q2-2026-estimates-93CH-4807238)) |

## How does Bank of Hawaii compare with First Hawaiian on AI and digital?

The two banks hold two-thirds of Hawaii's bank deposits between them. What each has disclosed, with the date; a blank means nothing is on the record, not that nothing exists.

| Dimension | Bank of Hawaii | First Hawaiian |
| --- | --- | --- |
| Hawaii deposit share (FDIC, June 30, 2025) | 34.5%, up from 28.3% in 2005 | 32.1%, up from 30.5% in 2005 ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000054/ex992-bohearningspresent.htm)) |
| Branches | 51 branch locations and 320 ATMs in Hawaii and the West Pacific (December 31, 2025) | 49 branches: 45 in Hawaii, 3 in Guam, 1 in Saipan (December 31, 2025); 113 with TriCo after closing ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [First Hawaiian, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/36377/000110465926021544/fhb-20251231x10k.htm), [American Banker](https://americanbanker.com/news/first-hawaiian-strikes-2b-deal-to-return-to-u-s-mainland)) |
| AI owner | Executive director of an AI Development Center on the Operating Committee; chief data officer Torrie Inouye | EVP Jason Dang, promoted January 2026 to lead the AI programme's strategy and governance ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [First Hawaiian Bank](https://www.fhb.com/en/about-us/newsroom/2026-press-releases/news-release/013026)) |
| Employee AI | Microsoft Copilot for all employees from July 2025; 60 AI Ambassadors | Written generative-AI usage policies and safeguards (TriCo merger agreement, July 2026); no tool named ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [First Hawaiian, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/36377/000110465926083898/tm2620283d5_ex2-1.htm)) |
| AI in lending | None disclosed | Zest AI credit-card underwriting: automated decisions 4% to 55% (vendor-reported, June 2025); Celent 2025 Model Bank ([Zest AI (vendor case study)](https://www.zest.ai/learn/success_stories/first-hawaiian-bank/), [Zest AI (vendor page)](https://zest.ai/learn/resources/celent-report-on-the-impact-of-ai-in-retail-lending)) |
| Customer app | 350,000+ digital enrolments; 6.4 million average monthly logins; more than 80% use the mobile app (2025) | New app in July 2025 with an in-app chatbot, budgeting tool and in-app account opening; no usage count ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [First Hawaiian Bank](https://www.fhb.com/en/news-release/071725)) |

## How does Bank of Hawaii's employee AI compare with its West Coast peers'?

Internal tools and the usage or scale each bank has put on the record.

| Bank | Tool or programme | Scale disclosed | Date |
| --- | --- | --- | --- |
| Bank of Hawaii | Microsoft Copilot after three training modules; AI Ambassadors; AI Development Center | All employees; 60 Ambassadors | July 2025; annual report March 2026 ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm)) |
| WaFd | AI-assisted software development for in-house apps | Pace of development more than 2x | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) |
| First Interstate | Fiserv agentOS agent for commercial loan onboarding; 'one clean data source' project | One of 6 banks co-developing agents with Fiserv | May 2026 ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| CVB Financial | AI Policy and an AI Governance Council | Six seats; AI used on a selective and limited basis | April 2026 ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm)) |
| Bank of Hope | Board AI acceptable-use policy | AI use limited until vetted and approved | April 2026 ([Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000153949726001123/n5730_x2-def14a.htm)) |
| Mechanics | AI used 'on a limited basis'; roadmap focused on AI productivity tools | Not disclosed | March and April 2026 ([Mechanics Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000026/hmst-20251231.htm), [Mechanics Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000041/mchb-investorpresentatio.htm)) |
| Cathay | None disclosed | No AI reference in the FY2025 10-K | March 2026 ([Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926006157/caty20251231c_10k.htm)) |

## How do Bank of Hawaii's customer channels compare with its peers' AI services?

The latest customer-facing AI or digital move each bank has disclosed, with any number attached.

| Bank | What it has | Since | Scale disclosed |
| --- | --- | --- | --- |
| Bank of Hawaii | Online and mobile banking, Zelle, mobile wallets, Bank by Appointment; call-center AI use case in progress | Platforms upgraded 2024; call-center AI cited April 2026 | 6.4 million average monthly logins; 189,700 Zelle customers; 49,311 online appointments (2025) ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000095017025039413/boh_ars_20241231.pdf), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html)) |
| First Hawaiian | Mobile app with AI-driven insights (2021) and an in-app chatbot (2025) | April 2021; July 2025 | Not disclosed ([First Hawaiian Bank](https://fhb.com/en/news-release/04282021), [First Hawaiian Bank](https://www.fhb.com/en/news-release/071725)) |
| WaFd | Amazon Lex voicebot with voice biometrics; AI call-center agent announced | Voicebot before 2024; agent announced April 2026 | 95% faster balance inquiries, 45% fewer live-agent calls for enrolled customers (AWS) ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) |
| Bank of Hope | Q2-based digital business banking; rules-based card controls and positive pay | 2025 | Not disclosed ([Bank of Hope](https://bankofhope.com/files/5e94cd4778dd2a41681ea9ba/user%20guides_ach%20payments.pdf), [Bank of Hope](https://bankofhope.com/personal-banking/digital-banking/card-management)) |
| First Interstate | Automated treasury-management enrollment (Prolific On-Ramp) | May 2026 | Not disclosed ([Prolific Banking (Business Wire)](https://www.businesswire.com/news/home/20260519411891/en/First-Interstate-Bank-Moved-Prolific-Banking-Inc.-On-Ramp-Commercial-Enrollment-Solution-into-Production)) |

## Which banks are Bank of Hawaii's peers, and why these?

Bank of Hawaii Corporation is compared here with Cathay General Bancorp, First Hawaiian, Inc., First Interstate BancSystem, Mechanics Bancorp, CVB Financial Corp., WaFd, Inc., Hope Bancorp (Bank of Hope) and Glacier Bancorp: the US banks on this site nearest to it in business model (regional or retail-commercial bank) and assets on the Federal Reserve's large-bank list, with a preference for its home region (West). Bank of Hawaii Corporation is classed as a regional or retail-commercial bank in the West.

## Common questions

### Is Bank of Hawaii better than First Hawaiian at AI?

The record cannot settle capability, but First Hawaiian has put more on it: 47.2 on this site's disclosure index against Bank of Hawaii's 37.8. First Hawaiian has an AI underwriting model in production (Zest AI reports automated card decisions up from 4% to 55%). Bank of Hawaii discloses an all-employee Copilot rollout, 60 AI Ambassadors and a named AI Development Center. ([Zest AI (vendor case study)](https://www.zest.ai/learn/success_stories/first-hawaiian-bank/), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm))

### Does Bank of Hawaii have an AI chatbot or virtual assistant for customers?

Not one it has launched. Management said on the April 2026 call that it was working on AI use cases in the call center and in wealth-management discovery, and a 2024 pilot targeted interactive voice response. First Hawaiian's July 2025 app includes an in-app chatbot, and WaFd announced an AI-powered call-center agent in April 2026. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000095017025039413/boh_ars_20241231.pdf), [First Hawaiian Bank](https://www.fhb.com/en/news-release/071725), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html))

### Which AI tools do Bank of Hawaii employees use?

Microsoft Copilot, available to all employees since July 2025 after three training modules, with learning labs and a weekly Copilot challenge. Sixty employees serve as AI Ambassadors. The 2026 proxy also credits the chief administrative officer with an AI initiative in the legal function. Microsoft is the only AI vendor the bank names. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000022/boh-20260313.htm))

### Who leads AI at Bank of Hawaii compared with its peers?

Bank of Hawaii names an executive director of its AI Development Center, Kimarie P. Matthews, a chief data officer and a vice chair over IT, data and digital banking. First Hawaiian gave EVP Jason Dang its AI programme in January 2026. CVB runs AI through a COO-chaired council; First Interstate and Cathay name no AI head. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [First Hawaiian Bank](https://www.fhb.com/en/about-us/newsroom/2026-press-releases/news-release/013026), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926006157/caty20251231c_10k.htm))

### How does Bank of Hawaii's technology spending compare with peers?

None of the group discloses a technology or AI budget. Bank of Hawaii's 2025 noninterest expense was $443.1 million, up 7.9%, and Q2 2026 noninterest expense $111.2 million, up 0.4% on a year earlier. CVB reports computer software expense of $17.1 million for 2025, up 12.07%; Cathay reports $23.2 million of computer and equipment expense. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000056/boh-20260630.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm), [Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926006157/caty20251231c_10k.htm))

### How does Bank of Hawaii's digital banking compare with First Hawaiian's?

Bank of Hawaii publishes usage: 350,000-plus enrolments, 6.4 million average monthly logins, more than 80% of enrolled customers on the mobile app, 10.3 million mobile-wallet transactions and 189,700 Zelle customers in 2025. First Hawaiian launched a new app in July 2025 with an in-app chatbot, budgeting tool and in-app account opening but publishes no usage figures. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [First Hawaiian Bank](https://www.fhb.com/en/news-release/071725))

### How does Bank of Hawaii's AI governance compare with CVB's and Bank of Hope's?

All three put AI rules in writing. Bank of Hawaii's framework has policies, oversight committees and ethical review protocols, and its board devotes significant time to AI oversight. CVB's AI Policy is run by a six-seat AI Governance Council chaired by its COO. Bank of Hope's board policy bars AI use until each tool is vetted and approved. ([Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000023/boh_2025xarsxfiling.htm), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000022/boh-20260313.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm), [Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000153949726001123/n5730_x2-def14a.htm))

### What changed at Bank of Hawaii in 2026 that matters for AI?

A new CEO. James Polk succeeded Peter Ho on April 1, 2026; Ho had called AI a dramatic operational shift whose outcomes he could not fully predict. The FY2025 10-K, filed February 24, 2026, added the bank's first stand-alone AI risk factor. Polk's first call cited AI governance and use cases aimed at operating leverage. ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-shareholders-elect-directors-100836326.html), [Hawaii Business Magazine](https://hawaiibusiness.com/peter-ho-ceo-of-bank-of-hawaii), [Bank of Hawaii Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-hawaii-boh-q1-2026-193157621.html))

## Peers on this site

- [Cathay General Bancorp AI strategy](https://www.bankingnewsai.com/banks/cathay) · [vs peers](https://www.bankingnewsai.com/banks/cathay/vs-peers)
- [First Hawaiian, Inc. AI strategy](https://www.bankingnewsai.com/banks/first-hawaiian) · [vs peers](https://www.bankingnewsai.com/banks/first-hawaiian/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)
- [Mechanics Bancorp AI strategy](https://www.bankingnewsai.com/banks/mechanics) · [vs peers](https://www.bankingnewsai.com/banks/mechanics/vs-peers)
- [CVB Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/cvb-financial) · [vs peers](https://www.bankingnewsai.com/banks/cvb-financial/vs-peers)
- [WaFd, Inc. AI strategy](https://www.bankingnewsai.com/banks/wafd) · [vs peers](https://www.bankingnewsai.com/banks/wafd/vs-peers)
- [Hope Bancorp (Bank of Hope) AI strategy](https://www.bankingnewsai.com/banks/bank-of-hope) · [vs peers](https://www.bankingnewsai.com/banks/bank-of-hope/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)

## Sources

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3. First Hawaiian Bank says "yes" to AI-automated underwriting (customer success story) — Zest AI (vendor case study), Jun 5, 2025. https://www.zest.ai/learn/success_stories/first-hawaiian-bank/
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5. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
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25. nSight 2026 Recap: AI in Banking Moves from Strategy to Delivery — nCino, May 29, 2026. https://ncino.com/en-SEA/blog/nsight-2026-recap
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31. Earnings call transcript: Cathay General Bancorp sees strong Q2 2025 growth — Investing.com, Jul 22, 2025. https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-sees-strong-q2-2025-growth-93CH-4286918
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33. Earnings call transcript: Cathay General Bancorp beats Q4 2025 earnings forecasts — Investing.com, Jan 22, 2026. https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-beats-q4-2025-earnings-forecasts-93CH-4461755
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38. Why one regional bank is shrinking after years of rapid growth — American Banker, Feb 5, 2026. https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth
39. Mechanics Bancorp Reports Second Quarter 2026 Results — Mechanics Bancorp (Business Wire via Yahoo Finance), Jul 29, 2026. https://finance.yahoo.com/markets/stocks/articles/mechanics-bancorp-reports-second-quarter-094500935.html
40. Mechanics Bancorp Reports Second Quarter 2026 Results (Form 8-K, Exhibit 99.1) — Mechanics Bancorp (SEC filings), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/1518715/000151871526000057/a2q2026earningsrelease.htm
41. CVB Financial Corporation (CVBF) Q3 FY2025 earnings call transcript — Yahoo Finance, Oct 23, 2025. https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q3-2025-earnings_call-367007.html
42. Leadership Team (undated page, retrieved 2026-10-05) — Citizens Business Bank, Oct 5, 2026. https://cbbank.com/about-us/leadership-team
43. WaFd Announces Quarterly Earnings Per Share of $0.84 — WaFd, Inc., Jul 16, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf
44. WaFd, Inc. Enters into a $3.9 Billion Reverse Merger Transaction with EverBank Financial Corp (Form 8-K, Exhibit 99.1) — WaFd, Inc. (SEC filings), Sep 7, 2026. https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm
45. Hope Bancorp Reports Financial Results for the Second Quarter and Six Months Ended June 30, 2026 — Hope Bancorp (Business Wire via FT), Jul 27, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607270800BIZWIRE_USPRX____20260727_BW546817-1
46. LA bank to buy US commercial banking unit from Japan's SMBC — American Banker, Apr 1, 2026. https://www.americanbanker.com/news/l-a-bank-to-buy-u-s-commercial-banking-unit-from-japans-smbc
47. Hope Bancorp, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Hope Bancorp (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/1128361/000112836126000011/hope-20251231.htm
48. Glacier Bancorp to acquire Texas bank in $476 million deal — American Banker, Jun 25, 2025. https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal
49. Glacier in Montana takes prolific acquisition strategy to Idaho — American Banker, Jan 14, 2025. https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho
50. Glacier Bancorp, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Glacier Bancorp (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm
51. Earnings call transcript: WaFd Q4 2026 profit misses, revenue beats — Investing.com (earnings call transcript), Oct 16, 2026. https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491
52. Bank of Hope Completes Acquisition of the Commercial Banking Unit of SMBC MANUBANK — Hope Bancorp (Business Wire via FT), Oct 1, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202610010830BIZWIRE_USPRX____20261001_BW057537-1
53. Hope Bancorp, Inc. Form 8-K: completion of the SMBC MANUBANK unit acquisition — Hope Bancorp (SEC filings), Oct 1, 2026. https://www.sec.gov/Archives/edgar/data/1128361/000112836126000049/hope-20261001.htm
54. Mechanics Bank Completes Sale of Substantial Majority of Runoff Auto Loan Portfolio to Bank of America (Form 8-K, Exhibit 99.1) — Mechanics Bancorp (SEC filings), Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1518715/000151871526000068/mchbautoportfoliosalesept2.htm
55. How AI in Commercial Lending Cuts the Two-Day Review — nCino, Sep 10, 2026. https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai
56. Cari Raises Over $30 Million in First Tranche of Initial Funding Round, Backed Entirely by Banks — Cari via Business Wire (Morningstar), Sep 2, 2026. https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks
57. Bank of Hope Receives Regulatory Approvals to Acquire the Commercial Banking Unit of SMBC MANUBANK — Hope Bancorp (Business Wire via Yahoo Finance), Sep 2, 2026. https://finance.yahoo.com/economy/policy/articles/bank-hope-receives-regulatory-approvals-203000121.html
58. Senior Citizens Day Fraud Prevention — Mechanics Bank, Aug 21, 2026. https://mechanicsbank.com/resources/resources-tools/insights/senior-citizens-day-fraud-prevention
59. First Interstate BancSystem Form 8-K (Item 5.02: appointment of Chief Operations Officer) — First Interstate BancSystem (SEC filings), Aug 21, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm
60. First Interstate BancSystem Form 8-K (Item 5.02: Chief Operations Officer employment agreement) — First Interstate BancSystem (SEC filings), Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm
61. Form 425: email from Robert Harrison to First Hawaiian Bank employees on TriCo integration — First Hawaiian, Inc. (SEC filings), Aug 14, 2026. https://www.sec.gov/Archives/edgar/data/36377/000110465926097140/tm2620283d10_425.htm
62. CVB Financial Corp. Form 10-Q for the quarterly period ended June 30, 2026 — CVB Financial Corp. (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm
63. Cathay General Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Cathay General Bancorp (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/861842/000143774926026554/caty20260630_10q.htm
64. Glacier Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Glacier Bancorp (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm
65. First Interstate BancSystem, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — First Interstate BancSystem (SEC filings), Aug 3, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm
66. First Hawaiian, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — First Hawaiian, Inc. (SEC filings), Aug 3, 2026. https://www.sec.gov/Archives/edgar/data/36377/000110465926089785/fhb-20260630x10q.htm
67. Bank of Hawaii Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Bank of Hawaii Corporation (SEC filings), Jul 28, 2026. https://www.sec.gov/Archives/edgar/data/46195/000004619526000056/boh-20260630.htm
68. CVB Financial Corporation (CVBF) Q1 FY2026 earnings call transcript — Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q1-2026-earnings_call-544871.html
69. CVB Financial Corp. (BCV.F) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 23, 2026. https://finance.yahoo.com/quote/BCV.F/earnings/BCV.F-Q2-2026-earnings_call-653685.html
70. First Hawaiian, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First Hawaiian, Inc. (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/36377/000110465926021544/fhb-20251231x10k.htm
71. First Hawaiian Bank Announces Four Promotions and One New Hire — First Hawaiian Bank, Jan 30, 2026. https://www.fhb.com/en/about-us/newsroom/2026-press-releases/news-release/013026
72. Agreement and Plan of Reorganization and Merger by and among First Hawaiian, Inc., TriCo Bancshares and Horizon Merger Sub, Inc. (Form 8-K, Exhibit 2.1) — First Hawaiian, Inc. (SEC filings), Jul 15, 2026. https://www.sec.gov/Archives/edgar/data/36377/000110465926083898/tm2620283d5_ex2-1.htm
73. CVB Financial Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — CVB Financial Corp. (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm
74. Mechanics Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Mechanics Bancorp (SEC filings), Mar 17, 2026. https://www.sec.gov/Archives/edgar/data/1518715/000151871526000026/hmst-20251231.htm
75. Mechanics Bancorp Q1 2026 Investor Presentation (Form 8-K, Exhibit 99.2) — Mechanics Bancorp (SEC filings), Apr 30, 2026. https://www.sec.gov/Archives/edgar/data/1518715/000151871526000041/mchb-investorpresentatio.htm
76. Bank of Hawai‘i 2024 Annual Report (Form ARS, with Chairman's Message) — Bank of Hawaii Corporation (SEC filings), Mar 14, 2025. https://www.sec.gov/Archives/edgar/data/46195/000095017025039413/boh_ars_20241231.pdf
77. First Hawaiian Bank's New Mobile App Provides Tools for Easy Money Management and Better Financial Decisions — First Hawaiian Bank, Apr 28, 2021. https://fhb.com/en/news-release/04282021
78. Business Online Banking User Guide: ACH Payments — Bank of Hope, Sep 29, 2025. https://bankofhope.com/files/5e94cd4778dd2a41681ea9ba/user%20guides_ach%20payments.pdf
79. Card Management — Bank of Hope, Oct 13, 2026. https://bankofhope.com/personal-banking/digital-banking/card-management
80. First Interstate Bank Moved Prolific Banking, Inc. On-Ramp Commercial Enrollment Solution into Production — Prolific Banking (Business Wire), May 19, 2026. https://www.businesswire.com/news/home/20260519411891/en/First-Interstate-Bank-Moved-Prolific-Banking-Inc.-On-Ramp-Commercial-Enrollment-Solution-into-Production
81. Peter Ho, CEO of Bank of Hawai'i — Hawaii Business Magazine, Sep 21, 2025. https://hawaiibusiness.com/peter-ho-ceo-of-bank-of-hawaii

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