BOH — what changed in the latest 10-Q
A section-by-section comparison of BOH's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-07-28 vs the prior 10-Q · 2026-04-27
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +60 | −54 | ~34 | 56 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Market risk (Item 3)
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-07-28
Hawai‘i’s near-term economic outlook has weakened due to the Iran war's impact on oil prices, which is expected to raise inflation, increase travel costs, and slow growth in key visitor source markets. Jet fuel prices have roughly doubled recently, resulting in significant transpacific airfare incre…
For the first six months of 2026, the median price of single-family home sales on Oahu increased by 2.6% while the median price of condominiums increased by 1.5% compared to the same period in 2025. The volume of single-family homes sales on Oahu increased 3.9% and condominium sales decreased 2.3% c…
Net income for the second quarter of 2026 was $63.8 million, an increase of $16.2 million, or 33.9%, compared to the same period in 2025. Diluted earnings per common share was $1.47 for the second quarter of 2026, an increase of $0.41, or 38.7%, compared to the same period in 2025.
•The return on average common equity for the second quarter of 2026 was 15.47% compared with 12.50% in the same period last year.
•Net interest income for the second quarter of 2026 was $153.6 million, an increase of 18.4% compared to the same period last year.
Text removed vs the prior filing · source: 10-Q · 2026-04-27
As of March 31, 2026, Hawai‘i’s economy continues to experience slow and uneven growth amid lingering uncertainty. Tourism conditions have stabilized but remain soft, with visitor volumes flat overall as continued weakness in most international markets offsets a modest recovery from Japan. Visitor s…
uncertainty due to the impact on travel of higher jet fuel prices and other increased travel costs and potential erosion of consumer confidence negatively impacting middle-class tourism demand.
For the first three months of 2026, the median price of single-family home sales on Oahu increased by 2.6% while the median price of condominiums remained flat compared to the same period in 2025. The volume of single-family homes sales on Oahu increased 10.9% and condominium sales decreased 3.6% co…
Net income for the first quarter of 2026 was $57.4 million, an increase of $13.4 million, or 31%, compared to the same period in 2025. Diluted earnings per common share was $1.30 for the first quarter of 2026, an increase of $0.33, or 34%, compared to the same period in 2025.
•The return on average common equity for the first quarter of 2026 was 13.90% compared with 11.80% in the same period last year.
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice