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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 $0.4MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $518.0M0%Noninterest $1.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.25%-0.28%0.35%0.51%0.50%-0.47%0.62%+27 bps
Return on Equity4.41%2.31%-2.72%3.34%4.85%4.66%-4.13%5.39%+205 bps
Net Interest Margin2.18%2.12%2.38%2.28%2.31%2.38%2.44%2.40%+12 bps
Efficiency Ratio81.39%86.01%120.86%83.06%78.30%79.44%136.26%76.34%-671 bps
Non-Interest Burden1.61%1.72%2.77%1.83%1.67%1.75%3.10%1.63%-20 bps
Growth
Asset Growth (YoY)2.49%3.84%6.31%6.20%4.48%-1.74%-5.91%-3.55%-975 bps
Loan Growth (YoY)1.72%3.12%6.64%5.44%1.38%-3.69%-10.12%-9.00%-1,444 bps
Deposit Growth (YoY)0.90%-1.40%0.82%4.64%5.49%-0.48%-3.91%-6.70%-1,134 bps
Asset Quality
Nonperforming Loans / Loans0.28%1.03%0.88%0.88%0.96%1.42%2.08%2.23%+136 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%-0.01%-0.01%0.01%-0.01%-0.01%0 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.45%11.08%10.82%10.84%11.11%11.35%11.69%12.02%+118 bps
Total Risk-Based Capital16.29%15.87%15.62%15.66%15.85%16.03%16.81%16.90%+124 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits93.70%93.91%94.15%90.45%90.06%90.88%88.07%88.22%-223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a