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Central Pacific Bank

Honolulu, HI · Cert 17308 · Central Pacific Financial Corp.

State charter, Fed member · FED · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Pacific Bank

Honolulu, HI · Cert 17308 · Central Pacific Financial Corp.

State charter, Fed member · FED · 27 branches

Q2 2026

$7.5BAssets
$5.3BLoans
$6.7BDeposits
$638.0MEquity
Loan mix
81%RE $4.3B10%C&I $0.6B8%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $4.8B29%Noninterest $1.9BQ2 2025Q2 2026

NIM

4.03%Q2 ’244.16%Q2 ’254.12%Q2 ’26+14%+3%

Non-interest income vs. expense

2.16%Q2 ’242.27%Q2 ’252.31%Q2 ’26+6%0%

Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 12.2% share · #4 of 13 inst. · $5.6B of $46.0B

12.2% Honolulu
11.1% Maui
9.6% Hawaii
6.6% Kauai

Executive Summary

  • Earnings: ROA of 1.21%, up 11 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.30% of loans (-2 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 9.60%, down 47 bps from a year ago.
  • Funding: loans stand at 79.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+9 bps YoY

Efficiency Ratio (YTD, annualized)

57.30%-95 bps YoY

Tier 1 Leverage Ratio

9.60%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.09%1.15%1.19%1.21%+11 bps
Return on Equity12.75%12.54%13.32%13.98%14.16%+141 bps
Net Interest Margin3.23%3.27%3.32%3.31%3.33%+9 bps
Efficiency Ratio58.25%58.85%58.48%57.84%57.30%-95 bps
Non-Interest Burden1.61%1.64%1.64%1.64%1.60%0 bps
Growth
Asset Growth (YoY)-0.12%0.19%-0.83%1.31%1.79%+192 bps
Loan Growth (YoY)-1.82%0.46%-0.91%-0.27%0.39%+221 bps
Deposit Growth (YoY)-0.65%-0.14%-0.78%1.32%2.09%+274 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.29%0.30%0.28%0.30%-2 bps
Net Charge-Offs / Loans0.28%0.25%0.23%0.18%0.19%-8 bps
Allowance / Loans1.13%1.12%1.13%1.13%1.14%+1 bps
Allowance Coverage of NPLs3.5x3.8x3.7x4.0x3.8x+0.3x
Capital
Tier 1 Leverage Ratio10.07%10.18%9.69%9.62%9.60%-47 bps
Total Risk-Based Capital15.34%15.31%14.70%14.60%14.68%-67 bps
Equity / Assets8.83%9.05%8.57%8.49%8.51%-32 bps
Liquidity & Funding
Loans / Deposits80.58%81.38%79.97%79.39%79.24%-134 bps
Liquid Assets / Assets10.68%10.49%11.53%11.65%11.10%+42 bps
CRE / Total Capitaln/a240%251%264%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central Pacific Bank

Honolulu, HI · Cert 17308 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Central Pacific Financial Corp.

State charter, Fed member · FED · 27 branches

Q2 2026

$7.5BAssets
$5.3BLoans
$6.7BDeposits
$638.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 69% of banks $1B-$10B in assets operating in a single state (rank 81 of 258).
  • Widest gap: equity / assets trails 86% of banks $1B-$10B in assets operating in a single state (rank 221 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.20%

Rank 135 of 258

Net Interest Margin

3.33%

Rank 163 of 258

Efficiency Ratio

57.30%

Rank 106 of 257

Equity / Assets

8.51%

Rank 221 of 258

Non-interest income vs. expense

$54.1M$175.1MINCOMEEXPENSE
Unfavorable gap of $121.1M · efficiency ratio beats 59% of banks $1B-$10B in assets operating in a single state
Bank 57.30%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.93%1.23%1.54%Beats 48%135 / 258
Return on Equity14.11%9.26%11.84%14.74%Beats 69%81 / 258
Net Interest Margin3.33%3.16%3.49%3.88%Beats 37%163 / 258
Efficiency Ratio57.30%51.71%60.30%69.65%Beats 59%106 / 257
Asset Quality
Nonperforming Loans / Loans0.30%0.19%0.46%0.90%Beats 62%100 / 258
Net Charge-Offs / Loans0.13%0.01%0.02%0.07%Beats 17%215 / 258
Capital
Tier 1 Capital Ratio13.44%11.41%12.98%15.12%Beats 55%116 / 258
Total Risk-Based Capital Ratio14.68%12.10%13.91%16.08%Beats 60%103 / 258
Equity / Assets8.51%9.09%10.24%11.72%Beats 14%221 / 258
Liquidity & Funding
Loans / Deposits79.24%73.24%86.34%95.95%34th pctl169 / 258
Loans / Assets70.86%63.01%72.27%78.40%45th pctl142 / 258
Brokered Deposits / Depositsn/aNot reported for this institution