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First Hawaiian, Inc. vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 80 sources cited

How does First Hawaiian, Inc. compare with its peers on AI and technology?

On this site's AI disclosure index First Hawaiian scores 47.2 (#62 of 120 US banks), third in a nine-bank group of West regionals behind WaFd (52.3) and First Interstate (51.3) and ahead of its Honolulu rival Bank of Hawaii (37.8). It leads the group on independent sources, on use cases in production and on use cases described, and the reason is one production system: an AI credit-card underwriting model built with Zest AI, which the vendor says lifted automated decisions from 4% to 55% of applications and instant approvals from 4% to 40% in the first year (June 2025), and which won Celent's 2025 Model Bank award for AI-augmented retail lending. In January 2026 it gave EVP Jason Dang ownership of its AI programme's strategy and governance. Where it trails is recent activity and counted adoption. It places 8th of 9 on dated moves in the last 12 months, AI did not come up on its four calls from Q3 2025 to Q2 2026, and it names no employee AI tool, while Bank of Hawaii rolled Microsoft Copilot out to all staff in July 2025 and WaFd says AI has more than doubled its pace of software development (April 2026). First Interstate is piloting a Fiserv agentOS agent for commercial loan onboarding. The 2026 agenda is the mainland: the TriCo acquisition, announced July 13, 2026, adds 68 California branches, and an Integration Management Office was set up in August 2026.[1][2][3][4][5][6][7][8][9][10][11][12]

Data as of Oct 20, 2026 · First Hawaiian profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does First Hawaiian lead its peers on AI?

01

The only AI credit model in production in the group

Zest AI reports that First Hawaiian's custom underwriting model took automated credit-card decisions from 4% to 55% of applications and instant approvals from 4% to 40% within a year, after more than 90% of applications had needed manual review (June 2025). Bank of Hawaii, CVB, Cathay and Bank of Hope disclose no AI in credit decisions.[1][13][14][15][16]

02

Independent recognition no peer has

First Hawaiian scores 8 on independent sources, the most in its group (median 3.5): Celent named it a 2025 Model Bank for AI-augmented retail lending, citing approvals expanded in 'previously unscorable/credit invisible populations'. Bank of Hawaii scores 4, with a record drawn mostly from its own annual report and filings.[2][8]

03

AI-driven insights in the app since 2021

First Hawaiian's April 2021 app was billed as the first Hawaii bank app with AI-driven insights across aggregated accounts, with duplicate-payment alerts and monthly spending comparisons; its July 2025 app adds an in-app chatbot. Bank of Hawaii's call-center AI was still a use case in progress in April 2026.[17][18][13]

04

Generative-AI rules written into a merger agreement

In the July 2026 TriCo merger agreement First Hawaiian represented that it keeps 'reasonable technical safeguards and written policies governing the use of Generative AI Tools' and has had no written complaint about its generative-AI use since January 2024. Bank of Hope's AI policy restricts use until tools are vetted; Cathay's filings do not mention AI.[19][16][15]

Where it trails

Where does First Hawaiian trail its peers on AI?

01

No employee AI tool named, while Bank of Hawaii counts its rollout

Bank of Hawaii rolled Microsoft Copilot out to all employees in July 2025 after three training modules and names 60 AI Ambassadors. First Hawaiian names no employee AI assistant; its AI policies are described in the merger agreement and its 10-K, without a tool, user count or vendor of its own.[8][19][20]

02

Quiet on AI for a year

First Hawaiian places 8th of 9 on dated moves in the last 12 months. AI was not raised on its calls from Q3 2025 to Q2 2026, and the Q2 2026 10-Q mentions AI only as a forward-looking factor. First Interstate's CEO described its Fiserv agentOS pilot in May 2026, and WaFd described its AI call-center agent in April 2026.[4][5][6][7][21][10][9]

03

Its numbers come from a vendor

First Hawaiian places 7th of 9 on disclosed numbers, and its headline figures (55% automated decisions, 40% instant approvals) are Zest AI's; the bank itself has disclosed no AI budget, user count or result. Bank of Hawaii publishes 6.4 million average monthly logins, and WaFd's AWS case study counts 45% fewer live-agent calls for voicebot users.[1][8][22]

04

Fewer named AI leaders than Bank of Hawaii

First Hawaiian places 4th of 9 on named AI leaders; its AI owner, Jason Dang, was promoted in January 2026, and Mark Troske leads enterprise technology and cybersecurity as CTO. Bank of Hawaii places first, naming an executive director of an AI Development Center, a chief data officer and a director of enterprise data and policy governance.[3][23][8]

05

No AI in engineering on the record

First Hawaiian built an in-house engineering team and data platform from about 2022, Harrison said in January 2024, but it discloses no AI coding tool. WaFd, which also builds its own apps, says AI assistance has more than doubled its pace of software development (April 2026).[24][9]

AI index

Where does First Hawaiian 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.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
WaFd, Inc.52.3#55 of 120899 of 1318Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent[25][26][9][22][27]
First Interstate BancSystem51.3#56 of 1207175 of 1121Fiserv agentOS pilot and the 'one clean data source' project[10][28]
First Hawaiian, Inc. (this page)47.2#62 of 12082112 of 1613Not disclosed
Bank of Hawaii Corporation37.8#77 of 12041711 of 1517Not disclosed
CVB Financial Corp.16.8#99 of 1201188 of 817Not disclosed
Cathay General Bancorp2.6#110 of 1204199 of 1011Not disclosed
Mechanics Bancorp2.3#112 of 1203217 of 1015Not disclosed
Hope Bancorp (Bank of Hope)2.1#114 of 1203236 of 814Not disclosed
Glacier Bancorp2#117 of 1203187 of 1014Not disclosed
Component by component

On which parts of the AI record is First Hawaiian ahead of or behind its peers?

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

Component (weight)First HawaiianPeer medianMost in the groupPlace
Independent sources (45%)83.5First Hawaiian (8)1st of 9
Use cases in production (10%)127.5First Hawaiian (12)1st of 9
Own primary disclosures (10%)2118Bank of Hope (23)2nd of 9
Dated moves, last 12 months (10%)1316First Interstate (21)8th of 9
Disclosed numbers (5%)1112.5First Interstate (15)7th of 9
Named AI leaders (5%)76.5Bank of Hawaii (10)4th of 9
Use cases described (5%)1610First Hawaiian (16)1st of 9
Head to head

What has each bank in First Hawaiian'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.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
First Hawaiian, Inc.Not disclosed7, incl. Bob Harrison (Chairman, President and CEO)[11][29]Automated credit-card decisions (vendor-reported, Zest AI): 55% of applications, from 4%; instant approvals 40%, from 4% (Jun 5, 2025)[1]Not disclosed1 open AI roles (Sep 24, 2026); most in AI product & strategy
Cathay General BancorpNot disclosed6, incl. Chang M. Liu (President and CEO)[30][31]Earnings calls with an AI mention, Q1 2025 to Q2 2026: 0 of 6 (Jul 22, 2026)[32][33][34][35][36][37]Not disclosedNot surveyed
Bank of Hawaii CorporationNot disclosed10, incl. James C. Polk (President and CEO)[38]Digital enrolments / average monthly logins: 350,000+ / 6.4 million (Dec 31, 2025)[8]Not disclosedNot surveyed
First Interstate BancSystemFiserv agentOS pilot and the 'one clean data source' project[10][28]9, incl. Jim Reuter (President and CEO)[10][39]Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026)[10]Not disclosedNot surveyed
Mechanics BancorpNot disclosed5, incl. C.J. Johnson (President and CEO)[40]Full-time equivalent employees: 1,756 (from 2,036 at 30 September 2025, after the merger) (Jun 30, 2026)[41]Not disclosedNot surveyed
WaFd, Inc.Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent[25][26][9][22][27]8, incl. Brent Beardall (President and CEO)[42][25][43]Software development pace with AI assistance: > 2x (Apr 17, 2026)[9]Not disclosedNot surveyed
CVB Financial Corp.Not disclosed7, incl. David A. Brager (Chief Executive Officer)[44][45]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)[14]Not disclosedNot surveyed
Hope Bancorp (Bank of Hope)Not disclosed4, incl. Kevin S. Kim (Chairman, President and CEO, Hope Bancorp)[46][47]Full-time equivalent employees (Bank and Hope Bancorp): 1,434 (1,244 a year earlier) (Dec 31, 2025)[48]Not disclosedNot surveyed
Glacier BancorpNot disclosed6, incl. Randy Chesler (President and CEO)[49][50]Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025)[51]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of First Hawaiian 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.

DateBankMove
Oct 16, 2026WaFd BankQ4 FY2026 call: EverBank merger, no AI update[52]
Oct 1, 2026Bank of HopeSMBC MANUBANK commercial banking unit acquisition completed[53][54]
Sep 16, 2026Mechanics BankRunoff auto portfolio sold to Bank of America[55]
Sep 10, 2026WaFd BanknCino: WaFd piloting Analyst Digital Partner for credit risk[56]
Sep 2, 2026GlacierGlacier Bank invests in the Cari tokenised-deposit network[57]
Sep 2, 2026Bank of HopeRegulatory approvals for the SMBC MANUBANK unit[58]
Aug 21, 2026Mechanics BankSenior Citizens Day fraud-prevention guidance[59]
Aug 21, 2026First InterstateJeff Lee named chief operations officer[60][61]
Aug 14, 2026First HawaiianTriCo Integration Management Office established[12]
Aug 7, 2026Citizens Business BankQ2 2026 10-Q: computer software expense up 39.14%[62]
Aug 7, 2026Cathay BankQ2 2026 10-Q: still no AI reference[63]
Aug 4, 2026GlacierQ2 2026 10-Q repeats the AI risk language[64]
Aug 3, 2026First InterstateQ2 2026 10-Q: no material change to risk factors[65]
Aug 3, 2026First HawaiianQ2 2026 10-Q mentions AI only as a forward-looking factor[21]
Jul 28, 2026Bank of HawaiiSecond-quarter 2026 10-Q: AI risk factor only[66]
Jul 27, 2026Bank of HawaiiSecond-quarter 2026 call: no AI discussion[67]
Jul 23, 2026Citizens Business BankQ2 2026 results: AI appears only as a forward-looking factor[68][69][62]
Jul 22, 2026Cathay BankSecond-quarter 2026 results[30][37]
First Hawaiian vs Bank of Hawaii

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

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

DimensionFirst HawaiianBank of Hawaii
Hawaii deposit share (FDIC, June 30, 2025)32.1%, up from 30.5% in 200534.5%, up from 28.3% in 2005[70]
Branches49: 45 in Hawaii, 3 in Guam, 1 in Saipan (December 31, 2025); 113 with TriCo51 branch locations and 320 ATMs in Hawaii and the West Pacific (December 31, 2025)[20][11][71]
AI ownerEVP Jason Dang, Digital Banking and Services Division, owns AI strategy and governance (January 2026)Executive director of an AI Development Center on the Operating Committee[3][8]
AI in lendingZest AI card underwriting: automated decisions 4% to 55%, instant approvals 4% to 40% (vendor-reported)None disclosed[1][13]
Employee AIWritten generative-AI usage policies and safeguards; no tool namedMicrosoft Copilot for all employees from July 2025; 60 AI Ambassadors[19][8]
Customer appJuly 2025 app with in-app chatbot, budgeting tool and in-app account opening350,000+ digital enrolments; 6.4 million average monthly logins (2025)[18][8]
2026 strategic moveTriCo acquisition: 68 California branches, $8.4 billion of deposits (announced July 13)New CEO James Polk from April 1; West Pacific headquarters in Guam[11][38]
AI in lending across the group

How does First Hawaiian's AI underwriting compare with its peers' lending AI?

AI or automation each bank has disclosed in credit and loan operations.

BankWhat it hasSinceScale or result disclosed
First HawaiianCustom Zest AI underwriting model for credit cards; expansion to auto, consumer, lines of credit and small business consideredLaunched in six months; case study June 2025Automated decisions 55% (from 4%); instant approvals 40% (from 4%); vendor-reported[1][2]
WaFdnCino Analyst Digital Partner agent for loan-document review, covenant work and credit analysis2026Not disclosed[27][56]
First InterstateFiserv agentOS agent for commercial loan onboarding, co-created with FiservPilot, May 2026CEO: reduced manual data entry and cycle times[10]
CVB FinancialAI tools used to track and flag departures from known patterns in customer transactions2026 proxySelective and limited use[14]
GlacierAutomated commercial loan processing system extended to Guaranty; not described as AIJanuary 2026Not disclosed[72]
Bank of HawaiiNone in credit; AI use cases in wealth discovery and the call centerApril 2026Too early to read, management said[13]
Core systems and the TriCo integration

What does First Hawaiian's technology stack look like against its peers' integrations?

First Hawaiian runs on third-party core banking, card and internet-banking providers that its 10-K says would be hard to replace, and does not name the core vendor. On the TriCo call Bob Harrison said the bank 'did do a core conversion not that many years ago' and that its core provider scales well beyond a $34 billion bank, so moving TriCo would be 'more of a mapping over rather than converting over'. In January 2026 he credited earlier technology investment with letting the bank terminate expensive vendor relationships and take the work in-house. An Integration Management Office under the CFO and the chief administrative officer was set up on August 14, 2026.[20][73][5][12]

Its peers have been through the same kind of work. Mechanics moved HomeStreet onto Mechanics Bank platforms from March 20, 2026 and booked a $21.2 million core-systems contract termination accrual in Q3 2025. CVB converted Heritage Bank of Commerce customers in June 2026. First Interstate's core provider is Fiserv, whose agentOS it is piloting, and WaFd's core is Fiserv DNA according to a 2022 Talkdesk announcement. Bank of Hope closed the SMBC MANUBANK unit on October 1, 2026.[74][75][76][10][77][53]

The peer group

Which banks are First Hawaiian's peers, and why these?

First Hawaiian, Inc. is compared here with Cathay General Bancorp, Bank of Hawaii Corporation, First Interstate BancSystem, Mechanics Bancorp, WaFd, Inc., CVB Financial Corp., 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). First Hawaiian, Inc. is classed as a regional or retail-commercial bank in the West.

Common questions

Is First Hawaiian better than Bank of Hawaii at AI?

The record cannot settle capability, but First Hawaiian has put more on it: 47.2 on this site's disclosure index against 37.8. First Hawaiian has an AI underwriting model in production and a Celent award; Bank of Hawaii has an all-employee Copilot rollout, 60 AI Ambassadors and a named AI Development Center. Neither discloses a customer AI assistant.[1][2][8]

What AI does First Hawaiian use for credit cards?

A customised underwriting model from Zest AI, launched for credit cards in six months. Zest says automated decisions rose from 4% to 55% of applications and instant approvals from 4% to 40% in the first year, after more than 90% of applications had needed manual review. Celent named First Hawaiian a 2025 Model Bank for AI-augmented retail lending.[1][2]

Who leads AI at First Hawaiian compared with its peers?

EVP Jason Dang, promoted in January 2026 to run the Digital Banking and Services Division and lead the AI programme's strategy and governance. Bank of Hawaii names an executive director of an AI Development Center; CVB runs AI through a COO-chaired AI Governance Council; First Interstate names no head of AI.[3][8][14][78]

Does First Hawaiian have an AI chatbot?

Its July 2025 mobile app includes an in-app chatbot, help guides and secure messaging, but the launch release does not say the chatbot uses AI. Its 2021 app introduced AI-driven insights such as duplicate-payment alerts. WaFd announced an AI-powered call-center agent for 24/7 support in April 2026.[18][17][9]

How will the TriCo deal change First Hawaiian's technology?

Integration will dominate. The combined bank will have $34 billion of assets and 113 branches, with 25% cost savings projected. Harrison said First Hawaiian's core provider scales beyond that size, so TriCo would be mapped over rather than converted, and an Integration Management Office was set up in August 2026. Tri Counties keeps its brand in California.[11][73][12]

How does First Hawaiian's technology spending compare with peers?

None of the group discloses an AI budget. Harrison tied higher expenses in January 2024 to data and analytics, an in-house engineering team and a new CRM, and in January 2026 said the bank had terminated expensive vendor relationships. CVB reports 2025 computer software expense of $17.1 million, up 12.07%; Bank of Hawaii's 2025 noninterest expense rose 7.9%.[24][5][79][71]

How does First Hawaiian's AI governance compare with its peers'?

First Hawaiian put AI strategy and governance under EVP Jason Dang in January 2026 and represented written generative-AI policies in the TriCo merger agreement; its 10-K has carried a stand-alone AI risk factor since the FY2023 report. CVB runs a six-seat AI Governance Council, Bank of Hawaii an ethical review process, and Bank of Hope bars AI until vetted.[3][19][80][14][8][16]

How does First Hawaiian compare with WaFd on AI?

WaFd scores higher on this site's index (52.3 against 47.2). WaFd's record is in service and engineering: an Amazon Lex voicebot, an announced AI call-center agent and AI-assisted development at more than twice the earlier pace. First Hawaiian's is in credit: a Zest AI underwriting model with vendor-reported results and a Celent award.[22][9][1][2]

Peers on this site
Cathay Bank AI strategy →How Cathay General Bancorp compares with its peers →Bank of Hawaii AI strategy →How Bank of Hawaii Corporation compares with its peers →First Interstate AI strategy →How First Interstate BancSystem compares with its peers →Mechanics Bank AI strategy →How Mechanics Bancorp compares with its peers →WaFd Bank AI strategy →How WaFd, Inc. compares with its peers →Citizens Business Bank AI strategy →How CVB Financial Corp. compares with its peers →Bank of Hope AI strategy →How Hope Bancorp (Bank of Hope) compares with its peers →Glacier AI strategy →How Glacier Bancorp compares with its peers →
Deeper on First Hawaiian
First Hawaiian AI strategy: the full profile →First Hawaiian, Inc. competitors and alternatives →First Hawaiian AI profile →First Hawaiian competitors and alternatives →Bank of Hawaii AI profile →Bank AI index →AI chatbots in banking →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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    Zest AI (vendor case study) · Jun 5, 2025
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    Zest AI (vendor page) · Aug 8, 2025
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    Investing.com · Oct 24, 2025
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    Investing.com · Jan 30, 2026
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    The Motley Fool · Apr 24, 2026
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  74. HomeStreet Transition Hub
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