$7.49B
+1.3%y/y
Percentile by value80th percentileby value
FDIC
ASSETCP
Central Pacific Bank
Honolulu, HawaiiFDIC Cert #17308
STATEEstablished 195427 branches
Holding company: CENTRAL PACIFIC FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCentral Pacific Bank reported $7.49B in total assets. Deposits grew 1.32% over the prior year.
Return on assets was 1.19%, compared with an asset-peer median of 1.31%. The leverage ratio was 9.62%.
- Why is Total Assets above asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$6.7B
+1.3%y/y
Percentile by value85th percentileby value
FDIC
DEP$5.26B
−0.3%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET1.19%
+14 bpsy/y
Peer standing36th percentile
FDIC
NETINC + ROA57.84%
−114 bpsy/y
Peer standing46th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.62%
−18 bpsy/y
Peer standing26th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $7.17B | $6.41B |
| Q3 2021 | $7.29B | $6.53B |
| Q4 2021 | $7.41B | $6.66B |
| Q1 2022 | $7.29B | $6.61B |
| Q2 2022 | $7.29B | $6.64B |
| Q3 2022 | $7.33B | $6.57B |
| Q4 2022 | $7.42B | $6.75B |
| Q1 2023 | $7.51B | $6.77B |
| Q2 2023 | $7.55B | $6.82B |
| Q3 2023 | $7.62B | $6.9B |
| Q4 2023 | $7.63B | $6.87B |
| Q1 2024 | $7.4B | $6.64B |
| Q2 2024 | $7.37B | $6.61B |
| Q3 2024 | $7.4B | $6.61B |
| Q4 2024 | $7.46B | $6.67B |
| Q1 2025 | $7.39B | $6.62B |
| Q2 2025 | $7.36B | $6.56B |
| Q3 2025 | $7.42B | $6.6B |
| Q4 2025 | $7.4B | $6.62B |
| Q1 2026 | $7.49B | $6.7B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $370M |
| Investor CRE | $973M |
| Multifamily | $360M |
| Construction | $204M |
| 1–4 family | $2.39B |
| C&I | $554M |
| Agriculture | $271K |
| Other | $469M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.19%36th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE13.98%66th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.62%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.84%46th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+1.32%27th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET−0.26%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.28%77th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ9.62%26th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.24%98th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC195%34th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.19%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 1.07%90th 1.23%Observations 6
ROE
FDIC
NETINC + ROE13.98%80th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.74%Median 11.71%90th 15.44%Observations 6
NIM
FDIC
NIM + NIMY3.62%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.76%Median 3.39%90th 3.81%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.84%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.41%Median 60.08%90th 104.87%Observations 6
Deposits YoY
FDIC
DEP+1.32%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +0.65%90th +2.54%Observations 6
Loans YoY
FDIC
LNLSNET−0.26%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.27%Median +0.79%90th +2.92%Observations 6
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.28%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.19%Median 0.29%90th 1.27%Observations 6
Leverage
FDIC
RBC1AAJ9.62%60th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.67%Median 9.40%90th 11.15%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.24%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.11%Median 1.60%90th 2.61%Observations 6
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC195%80th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 152%Median 186%90th 209%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 27 branches
- Headquarters
- Honolulu, HI
FDIC
OFFDOMOpen the Hawaii dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data