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Finance Factors, Limited

Honolulu, HI · Cert 25158

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

24

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

Finance Factors, Limited

Honolulu, HI · Cert 25158

State charter, non-member · FDIC · 13 branches

Q2 2026

$683.7MAssets
$458.1MLoans
$519.3MDeposits
$80.0MEquity
Loan mix
100%RE $459.6M0%C&I $0.0M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $518.0M0%Noninterest $1.2MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.23%Q2 ’254.90%Q2 ’26+1%+5%

Non-interest income vs. expense

2.53%Q2 ’242.22%Q2 ’252.50%Q2 ’26+14%-11%

Market Position · Urban Honolulu, HI · 2026 SOD (annual) · 1.0% share · #7 of 13 inst. · $0.5B of $46.0B

1.0% Honolulu
0.6% Maui
0.5% Hawaii
0.4% Kauai

Executive Summary

  • Earnings: ROA of 0.62%, up 27 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 2.23% of loans (+136 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.02%, up 118 bps from a year ago.
  • Funding: loans stand at 88.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+12 bps YoY

Efficiency Ratio (YTD, annualized)

76.34%-671 bps YoY

Tier 1 Leverage Ratio

12.02%+118 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.51%0.50%-0.47%0.62%+27 bps
Return on Equity3.34%4.85%4.66%-4.13%5.39%+205 bps
Net Interest Margin2.28%2.31%2.38%2.44%2.40%+12 bps
Efficiency Ratio83.06%78.30%79.44%136.26%76.34%-671 bps
Non-Interest Burden1.83%1.67%1.75%3.10%1.63%-20 bps
Growth
Asset Growth (YoY)6.20%4.48%-1.74%-5.91%-3.55%-975 bps
Loan Growth (YoY)5.44%1.38%-3.69%-10.12%-9.00%-1,444 bps
Deposit Growth (YoY)4.64%5.49%-0.48%-3.91%-6.70%-1,134 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.96%1.42%2.08%2.23%+136 bps
Net Charge-Offs / Loans-0.01%-0.01%0.01%-0.01%-0.01%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.84%11.11%11.35%11.69%12.02%+118 bps
Total Risk-Based Capital15.66%15.85%16.03%16.81%16.90%+124 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits90.45%90.06%90.88%88.07%88.22%-223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/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

Finance Factors, Limited

Honolulu, HI · Cert 25158 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 13 branches

Q2 2026

$683.7MAssets
$458.1MLoans
$519.3MDeposits
$80.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 709 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.62%

Rank 601 of 746

Net Interest Margin

2.40%

Rank 709 of 746

Efficiency Ratio

76.34%

Rank 571 of 746

Equity / Assets

11.70%

Rank 259 of 746

Non-interest income vs. expense

$6.0M$17.1MINCOMEEXPENSE
Unfavorable gap of $11.1M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state
Bank 76.34%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.62%0.72%1.06%1.45%Beats 19%601 / 746
Return on Equity5.28%6.74%10.51%13.63%Beats 19%606 / 746
Net Interest Margin2.40%3.17%3.68%4.16%Beats 5%709 / 746
Efficiency Ratio76.34%55.74%64.58%75.47%Beats 24%571 / 746
Asset Quality
Nonperforming Loans / Loans2.23%0.09%0.42%1.07%Beats 10%670 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio15.64%11.55%13.75%17.60%Beats 66%250 / 746
Total Risk-Based Capital Ratio16.90%11.71%14.33%18.43%Beats 69%232 / 746
Equity / Assets11.70%8.90%10.51%13.06%Beats 65%259 / 746
Liquidity & Funding
Loans / Deposits88.22%61.31%78.27%90.78%70th pctl223 / 746
Loans / Assets67.00%53.60%66.97%76.08%50th pctl372 / 746
Brokered Deposits / Depositsn/aNot reported for this institution