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
Unfavorable gap of $11.1M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.72% | 1.06% | 1.45% | Beats 19% | 601 / 746 | |
| Return on Equity | 5.28% | 6.74% | 10.51% | 13.63% | Beats 19% | 606 / 746 | |
| Net Interest Margin | 2.40% | 3.17% | 3.68% | 4.16% | Beats 5% | 709 / 746 | |
| Efficiency Ratio | 76.34% | 55.74% | 64.58% | 75.47% | Beats 24% | 571 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.23% | 0.09% | 0.42% | 1.07% | Beats 10% | 670 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.64% | 11.55% | 13.75% | 17.60% | Beats 66% | 250 / 746 | |
| Total Risk-Based Capital Ratio | 16.90% | 11.71% | 14.33% | 18.43% | Beats 69% | 232 / 746 | |
| Equity / Assets | 11.70% | 8.90% | 10.51% | 13.06% | Beats 65% | 259 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 88.22% | 61.31% | 78.27% | 90.78% | 70th pctl | 223 / 746 | |
| Loans / Assets | 67.00% | 53.60% | 66.97% | 76.08% | 50th pctl | 372 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |