Regional Banks · FHB

“12.6) ​ ​ 7.7 ​ ​ (0.7) ​ ​ 7.0 Long-Term Borrowings ​ ​ — ​ ​ — ​ ​ — ​ ​ (6.3) ​ ​ (6.2) ​ ​ (12.5) Other Interest-Bearing Liabilities ​ ​ (0.5) ​ ​ (0.2) ​ ​ (0.7) ​ ​ (1.5) ​ ​ 0.1 ​ ​ (1.4) Total Change in Interest Expense ​ ​ (9.2) ​ ​ (60.5) ​ ​ (69.7) ​ ​ 12.4 ​ ​ 57.4 ​ ​ 69.8 Change in Net Interest Income ​ $ 16.4 ​ $ 23.2 ​ $ 39.6 ​ $ (14.5) ​ $ 1.0 ​ $ (13.5) (1) The change in interest income and expense not solely due to changes in volume or rate has been allocated on a pro-rata basis to the volume and rate columns. ​ Net interest income, on a fully taxable-equivalent basis, was $667.8 million for the year ended December 31, 2025, an increase of $39.6 million or 6% as compared to 2024.”

FHB 10-K · 2026-02-27

“This increase was primarily due to a $287.5 million increase in savings deposit balances, a $262.0 million increase in money market deposit balances and a $71.8 million increase in time deposit balances, partially offset by a $427.9 million decrease in demand deposit balances. ​ ● Total stockholders’ equity was $2.8 billion as of December 31, 2025, an increase of $151.9 million or 6% from December 31, 2024.”

FHB 10-K · 2026-02-27

“Total borrowings increased from the prior year primarily driven by increases in short-term FHLB advances, as well as additional long-term subordinated debt assumed in connection with the Sandy Spring acquisition. ​ ​ ​ 55 Table of Contents NET INCOME Years Ended December 31, 2025 and 2024 Net income available to common shareholders was $261.8 million for 2025, an increase of $64.5 million or 32.7% and represented both basic and diluted EPS of $2.03, compared to net income of $197.3 million and basic and diluted EPS of $2.29 and $2.24, respectively, for 2024.”

AUB 10-K · 2026-02-26