FINANCE FACTORS, LIMITED

HONOLULU, HI | Medium | Est. May 14, 1952, midnight | FDIC #25158 | RSSD #827560 | FDIC
Latest Report: 2025-12-31

FINANCE FACTORS, LIMITED is amn medium FDIC-insured commercial bank headquartered in HONOLULU, HI, established in May 14, 1952, midnight. As of 2025-12-31, the bank reported total assets of $688M and total deposits of $532M. Profitability stands at 0.45% ROA and 4.08% ROE, with a net interest margin of 2.63%. The bank's CET1 capital ratio is 14.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.34% and a Texas Ratio of 7.27%. FDIC Certificate #25158.

Assets

$688M

Deposits

$532M

Loans

$483M

Equity

$78M

Profitability

Return on Assets (ROA) 0.45%
Return on Equity (ROE) 4.08%
Net Interest Margin (NIM) 2.63%
Yield on Assets 5.54%
Cost of Funds 3.08%

Asset Quality

NPL Ratio 1.34%
Net Charge-Off Ratio 0.01%
Texas Ratio 7.27%
NPA Ratio 0.94%
ACL / Loans 2.36%

Capital & Liquidity

CET1 Ratio 14.77%
Tier 1 Capital 14.77%
Total Capital Ratio 16.03%
Leverage Ratio 11.35%
Loan-to-Deposit 90.88%

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