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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