Central Pacific Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Central Pacific Bank, based in Honolulu, Hawaii, reported $7.5 billion in assets at June 30, 2026, up 1.8% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 0.4% over the year, a small fraction of the median of 5.9% for banks its size.
Unrealized losses on its securities total $147 million, equal to 20% of Tier 1 capital, against 23% a year earlier. Where it has less room is capital: it funds 9.60% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Central Pacific Bank reported a CET1 capital ratio of 13.44%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.41%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 220 S King St, Honolulu, HI 96813
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 15, 1954
- Offices
- 27 domestic
- Employees (FTE)
- 739
- Domestic deposits
- $6.70B
- Allowance for credit losses
- $60.6M
- Net charge-offs (YTD)
- $5.1M
- Average total assets
- $7.57B
- Average total loans
- $5.30B
- Average interest-bearing deposits
- $4.80B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 15, 1954
- FDIC Cert
- 17308
- Fed RSSD
- 701062
- SEC CIK
- 701347 → filed by CENTRAL PACIFIC FINANCIAL CORP.
- Website
- WWW.CPB.BANK →
- Parent Holding Company
- CENTRAL PACIFIC FINANCIAL CORP. (RSSD 1022764) · CPF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Arnold D Martines | CEO | Chairman, President & CEO |
| Dayna N Matsumoto | CFO | EVP, CFO |
| David Morimoto | COO | Vice Chairman & COO |
| Ralph Mesick | CRO | Senior EVP, CRO |
| Hu Anna | CCO | CCO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Central Pacific Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Central Pacific Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Central Pacific Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Central Pacific Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.44% | 1.21% | 0.30% | 2.41% | 3.60% |
| Q1 2026 | 13.39% | 1.18% | 0.28% | 2.13% | 3.54% |
| Q4 2025 | 13.48% | 1.34% | 0.30% | 2.30% | 3.63% |
| Q3 2025 | 14.10% | 1.07% | 0.29% | 2.16% | 3.59% |
| Q2 2025 | 14.15% | 1.12% | 0.32% | 2.39% | 3.51% |
| Q1 2025 | 13.96% | 1.03% | 0.22% | 1.69% | 3.37% |
| Q4 2024 | 13.78% | 0.79% | 0.22% | 1.74% | 3.27% |
| Q3 2024 | 13.58% | 0.99% | 0.23% | 1.79% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Pacific Bank (main office) | Honolulu , HI | 96813 | $1.51B |
| Waikiki Branch | Honolulu , HI | 96815 | $805.7M |
| Mapunapuna Branch | Honolulu , HI | 96819 | $683.8M |
| Hilo Branch | Hilo , HI | 96720 | $288.8M |
| Kapiolani Branch | Honolulu , HI | 96814 | $279.0M |
| Kahului Branch | Kahului , HI | 96732 | $266.7M |
| Kalihi Branch | Honolulu , HI | 96819 | $265.1M |
| Kahala Branch | Honolulu , HI | 96816 | $249.4M |
| Pearl Highlands Branch | Pearl City , HI | 96782 | $231.9M |
| Mccully Branch | Honolulu , HI | 96826 | $209.9M |
| Kaneohe Branch | Kaneohe , HI | 96744 | $197.6M |
| Kaimuki Branch | Honolulu , HI | 96816 | $184.3M |
| Waipahu Branch | Waipahu , HI | 96797 | $163.9M |
| Kailua-Kona Branch | Kailua-Kona , HI | 96740 | $149.6M |
| Wailuku Branch | Wailuku , HI | 96793 | $136.5M |
| Pearlridge Branch | Aiea , HI | 96701 | $120.7M |
| Kailua Branch | Kailua , HI | 96734 | $117.9M |
| Hawaii Kai Branch | Honolulu , HI | 96825 | $117.0M |
| Mililani Branch | Mililani , HI | 96789 | $116.7M |
| Lihue Branch | Lihue , HI | 96766 | $115.4M |
| Ward Branch | Honolulu , HI | 96814 | $99.6M |
| Kapolei Branch | Kapolei , HI | 96707 | $93.5M |
| Kihei Branch | Kihei , HI | 96753 | $70.7M |
| Lahaina Branch | Lahaina , HI | 96761 | $65.4M |
| Ewa Branch | Ewa Beach , HI | 96706 | $60.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2012 | Structure Change | Acquired Central Pacific Homeloans, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 2005 | Structure Change | Acquired City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Central Pacific Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 2, 2010, Federal Reserve: Written Agreement: Central Pacific Financial Corporation, Honolulu, Hawaii
- Period: Most recent institution action July 2, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 11.7% of deposits in HI, rank 4 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,520 applications, 720 loans originated, $318.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 86 loans, $4.7M approved, $54K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Central Pacific Bank
What are Central Pacific Bank's total assets?
As of the Q2 2026 filing, Central Pacific Bank reported total assets of $7.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central Pacific Bank headquartered?
Central Pacific Bank is headquartered in Honolulu, HI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Central Pacific Bank founded?
Central Pacific Bank was established in 1954, per the FDIC institution directory.
Is Central Pacific Bank FDIC-insured?
Yes. Central Pacific Bank is an FDIC-insured commercial bank (FDIC Certificate #17308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Pacific Bank?
Central Pacific Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Central Pacific Bank's CET1 capital ratio?
Central Pacific Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Central Pacific Bank operate?
Central Pacific Bank operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Pacific Bank's Texas Ratio?
Central Pacific Bank's Texas Ratio is 2.41% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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