Honolulu, HI · Cert 17308 · Central Pacific Financial Corp.
State charter, Fed member · FED · 27 branches
Q2 2026
Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 12.2% share · #4 of 13 inst. · $5.6B of $46.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.88% | 1.05% | 1.09% | 1.09% | 1.15% | 1.19% | 1.21% | +11 bps | |
| Return on Equity | 11.46% | 11.03% | 12.42% | 12.75% | 12.54% | 13.32% | 13.98% | 14.16% | +141 bps | |
| Net Interest Margin | 2.92% | 2.90% | 3.14% | 3.23% | 3.27% | 3.32% | 3.31% | 3.33% | +9 bps | |
| Efficiency Ratio | 61.83% | 61.02% | 58.98% | 58.25% | 58.85% | 58.48% | 57.84% | 57.30% | -95 bps | |
| Non-Interest Burden | 1.55% | 1.51% | 1.60% | 1.61% | 1.64% | 1.64% | 1.64% | 1.60% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | -2.22% | -0.04% | -0.12% | 0.19% | -0.83% | 1.31% | 1.79% | +192 bps | |
| Loan Growth (YoY) | -2.99% | -1.88% | -1.20% | -1.82% | 0.46% | -0.91% | -0.27% | 0.39% | +221 bps | |
| Deposit Growth (YoY) | -4.21% | -2.95% | -0.40% | -0.65% | -0.14% | -0.78% | 1.32% | 2.09% | +274 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.22% | 0.22% | 0.32% | 0.29% | 0.30% | 0.28% | 0.30% | -2 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.29% | 0.20% | 0.28% | 0.25% | 0.23% | 0.18% | 0.19% | -8 bps | |
| Allowance / Loans | 1.15% | 1.11% | 1.13% | 1.13% | 1.12% | 1.13% | 1.13% | 1.14% | +1 bps | |
| Allowance Coverage of NPLs | 5.0x | 5.0x | 5.1x | 3.5x | 3.8x | 3.7x | 4.0x | 3.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 9.70% | 9.81% | 10.07% | 10.18% | 9.69% | 9.62% | 9.60% | -47 bps | |
| Total Risk-Based Capital | 14.79% | 14.94% | 15.15% | 15.34% | 15.31% | 14.70% | 14.60% | 14.68% | -67 bps | |
| Equity / Assets | 8.36% | 8.25% | 8.62% | 8.83% | 9.05% | 8.57% | 8.49% | 8.51% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.90% | 80.07% | 80.66% | 80.58% | 81.38% | 79.97% | 79.39% | 79.24% | -134 bps | |
| Liquid Assets / Assets | 11.25% | 12.07% | 10.28% | 10.68% | 10.49% | 11.53% | 11.65% | 11.10% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 251% | 264% | n/a | n/a | |