Central Pacific Bank
Central Pacific Bank reported total assets of $7.5 bn at Q2 2026, up 1.8% on a year earlier, the 208th largest of 497 banks in our US coverage. The CET1 capital ratio at Central Pacific Bank was 13.44%, and the uninsured share of Central Pacific Bank was 42.17%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Central Pacific Bank slipped from 151st to 200th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets Central Pacific Bank apart
How large is Central Pacific Bank?
The balance sheet of Central Pacific Bank at : assets $7.5 bn, deposits $6.7 bn, net loans $5.3 bn (loans equal to 78.34% of deposits). Securities make up 18.4% of total assets at Central Pacific Bank. Since , when Central Pacific Bank held $5.2 bn, its assets grew 43.7%. In the year to , deposits at Central Pacific Bank rose 2.1% while its total assets rose 1.8%. At , Central Pacific Bank employed 739 full-time equivalent staff across 27 offices, about $10.1 mn of assets per employee and $248.2 mn of deposits per office.
How much funding at Central Pacific Bank is uninsured?
At Central Pacific Bank, uninsured deposits (above the FDIC limit) made up 42.17% of domestic deposits at (+1.42 pp on a year earlier); Central Pacific Bank ranks 165th of 500 on this measure. In dollars, Central Pacific Bank estimated $2.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.7 bn | +2.1% | 192nd of 499 |
| Net loans and leases | $5.3 bn | +0.4% | 202nd of 500 |
| Loan-to-deposit ratio | 78.34% | -1.34 pp | 362nd of 500 |
| Tier 1 leverage ratio | 9.60% | -0.47 pp | 361st of 500 |
| Total risk-based capital ratio | 14.68% | -0.67 pp | 198th of 448 |
| Net interest margin | 3.65% | +0.12 pp | 243rd of 500 |
| Return on assets (ROA) | 1.21% | +0.11 pp | 304th of 500 |
| Efficiency ratio | 57.30% | -0.95 pp | 270th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $70.3 mn | Narrowed by $10.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $77.2 mn | Narrowed by $11.3 mn | |
| Noncurrent loans to total loans | 0.30% | -0.02 pp | 108th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.19% | -0.08 pp | 341st of 500 (1 = lowest) |
US rank of Central Pacific Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Central Pacific Bank: assets, deposits and loans
- Total assets $7.5bn
- Deposits $6.7bn
- Net loans $5.3bn
Capital and securities
The CET1 ratio of Central Pacific Bank stood at 13.44% in , -0.71 pp year on year. Low and high at Central Pacific Bank since : 11.94% () to 14.81% (). Equity capital of Central Pacific Bank at : $638.0 mn, or 8.5% of total assets. Central Pacific Bank also reported a total capital ratio of 14.68% for , and a tier 1 leverage ratio of 9.60%.
On held-to-maturity securities, Central Pacific Bank carried an unrealized loss of $70.3 mn at , equal to 11.0% of equity capital. The loss narrowed by $10.4 mn over the year. Its deepest point: $108.2 mn in . The available-for-sale portfolio of Central Pacific Bank showed an unrealized loss of $77.2 mn at ; the loss narrowed by $11.3 mn over the year.
Central Pacific Bank: capital ratios
- Total capital 15%
- CET1 13%
- Tier 1 leverage 9.6%
Central Pacific Bank: unrealized securities gains and losses
- Available for sale -$77mn
- Held to maturity -$70mn
Profitability and loan quality
For the year to , Central Pacific Bank earned a return on equity of 14.16%; return on assets: 1.21%. Net interest margin at Central Pacific Bank: 3.65%, +0.12 pp in a year. Central Pacific Bank net income: $45.0 mn, up 11.3% year on year. The efficiency ratio of Central Pacific Bank was 57.30%: about 57 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.30% of total loans at Central Pacific Bank; net charge-offs: 0.19% of average loans. Gross loans and leases at Central Pacific Bank: $5.3 bn, up 0.4% in a year.
Central Pacific Bank: profitability
- Return on equity 14%
- Net interest margin 3.7%
- Return on assets 1.2%
Peer group of Central Pacific Bank
The peer group of Central Pacific Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Central Pacific Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Hawaii. Against them, Central Pacific Bank shows CET1 ratio 13.44% against a peer median of 11.50%, return on equity 14.16% against a peer median of 11.39% and uninsured deposit share 42.17% against a peer median of 18.32%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank of Colorado | State nonmember bank | CO | $7.6 bn | 14.74% | 13.63% | 37.66% | |
| Ridgewood Savings Bank | State-chartered stock savings bank | NY | $7.5 bn | not reported | 5.53% | 10.27% | |
| Northpointe Bank | State nonmember bank | MI | $7.5 bn | 11.10% | 14.05% | 7.12% | |
| Central Pacific Bank | State member bank | HI | $7.5 bn | 13.44% | 14.16% | 42.17% | |
| Needham Bank | State member bank | MA | $7.4 bn | 11.50% | 9.14% | 28.20% | |
| TBK BANK, SSB | State-chartered stock savings bank | TX | $7.4 bn | 11.36% | 4.16% | 26.37% | |
| Comenity Bank | State nonmember bank | DE | $7.4 bn | 15.53% | 36.37% | 1.04% | |
. FDIC Call Reports.
Last eight quarters
Two years at Central Pacific Bank, to : assets +1.3%, deposits +1.4%, equity +3.1%. Staff 716 to 739.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.4 bn | $7.5 bn | $7.4 bn | $7.4 bn | $7.4 bn | $7.4 bn | $7.5 bn | $7.5 bn |
| Total deposits | $6.6 bn | $6.7 bn | $6.6 bn | $6.6 bn | $6.6 bn | $6.6 bn | $6.7 bn | $6.7 bn |
| Bank equity capital | $618.9 mn | $615.4 mn | $637.2 mn | $650.2 mn | $670.9 mn | $633.7 mn | $635.8 mn | $638.0 mn |
| CET1 ratio | 13.58% | 13.78% | 13.96% | 14.15% | 14.10% | 13.48% | 13.39% | 13.44% |
| Return on equity (ROE) | 11.46% | 11.03% | 12.42% | 12.75% | 12.54% | 13.32% | 13.98% | 14.16% |
| Uninsured share of domestic deposits | 41.51% | 42.27% | 42.48% | 40.75% | 42.43% | 41.96% | 41.93% | 42.17% |
| Full-time equivalent employees | 716 | 721 | 711 | 743 | 716 | 731 | 732 | 739 |
| Number of offices | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Central Pacific Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Central Pacific Bank?
Central Pacific Bank reported $7.5 bn at in its Call Report. That makes Central Pacific Bank the 208th largest of 497 banks in our US coverage.
Is Central Pacific Bank the same as its holding company?
No. This page covers Central Pacific Bank, FDIC certificate 17308; CENTRAL PACIFIC FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Central Pacific Bank profitable?
Central Pacific Bank reported net income of $45.0 mn for the year to ; annualized return on equity: 14.16%. So yes: Central Pacific Bank made a profit over these months.
When is data for Central Pacific Bank next updated?
Figures from Central Pacific Bank for are due after .
Where can I check the figures for Central Pacific Bank?
In the FDIC BankFind Suite record for certificate 17308, and in the Call Reports of Central Pacific Bank (RSSD ID 701062) at the FFIEC Central Data Repository.