Central Pacific Bank
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Data as of · sourced from FFIEC call reports. How we update
Central Pacific Bank is an FDIC-insured commercial bank headquartered in Honolulu, HI, established in 1954 (FDIC certificate 17308), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $7.50B, up 1.8% from Q2 2025, the 4th largest of 6 banks headquartered in Hawaii. Its CET1 capital ratio was 13.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17308
- Headquarters
- Honolulu, HI
- Established
- 1954
- Total assets, Q2 2026
- $7.50B
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 13.44%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 121301578
- Holding company
- CENTRAL PACIFIC FINANCIAL CORP.
- Asset rank in state
- 4th of 6 in Hawaii
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%. The figures come from its call report filed with the FFIEC.
Central Pacific Bank ranks as the 4th largest of the 6 banks based in Hawaii, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $7.50B, loans fell 0.2% and deposits were flat. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.1% of total loans, followed by non-owner-occupied commercial real estate loans at 18.2%. The FDIC Summary of Deposits lists 27 offices for it, in 17 cities in HI; its Honolulu 11 offices book 67% of its branch deposits. On its Q2 2026 call report, Central Pacific Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 27 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Central Pacific Bank's total assets ran between $7.36B (Q2 2025) and $7.63B (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.50B total assets against $7.36B; $6.86B total liabilities against $6.71B.
$5.25B net loans and leases against $5.23B; $6.70B total deposits against $6.56B.
$1.38B securities against $1.35B; $383.3M cash and balances due against $317.0M.
$78.7M total interest income against $78.1M; $15.1M total interest expense against $16.7M.
$63.6M net interest income against $61.4M.
$15.0M total noninterest income against $13.4M; $44.7M total noninterest expense against $43.0M.
$4.4M provision for credit losses against $5.0M.
$22.8M net income against $21.0M.
1.21% return on assets against 1.12%; 3.60% net interest margin against 3.51%.
13.44% CET1 capital ratio against 14.15%; 9.60% tier 1 leverage ratio against 10.07%.
Inside the full Central Pacific Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 206 of 4,196, for total assets; its furthest is 1,269 of 2,134, for CET1 ratio.
Metric pages for Central Pacific Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q4 2024) to 1.34% (Q4 2025) and its net interest margin ran from 3.18% (Q3 2024) to 3.63% (Q4 2025).
| 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
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Central Pacific Bank headquartered?
It is headquartered in Honolulu, HI, United States.
When was Central Pacific Bank founded?
It was established in 1954, per the FDIC institution directory.
Is Central Pacific Bank FDIC-insured?
Yes. It 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.
What is Central Pacific Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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