Central Pacific Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 1.2%, from -$248.0M to -$245.1M, the largest move among the key lines here. On CET1 ratio, Central Pacific Bank is 2nd from the bottom among 6 Hawaii banks, 13.44% (Q2 2026). At 13.44%, Central Pacific Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.44% |
| Tier 1 risk-based capital ratio | 13.44% |
| Total risk-based capital ratio | 14.68% |
| Tier 1 leverage ratio | 9.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $726.1M |
| Tier 1 capital | $726.1M |
| Total risk-based capital | $792.8M |
| Total equity capital | $638.0M |
| Risk-weighted assets | $5.40B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.51% |
| Tangible equity to tangible assets | 8.51% |
| Equity capital to average assets | 8.43% |
| Internal capital growth rate | 1.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $17.7M |
| Common stock surplus | $953.8M |
| Retained earnings | -$245.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$88.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.44% | 12.44% | 13.67% | 9.13% | $5.60B |
| Q4 2023 | 12.89% | 12.89% | 14.13% | 9.23% | $5.47B |
| Q1 2024 | 13.07% | 13.07% | 14.31% | 9.35% | $5.41B |
| Q2 2024 | 13.31% | 13.31% | 14.53% | 9.60% | $5.37B |
| Q3 2024 | 13.58% | 13.58% | 14.79% | 9.85% | $5.34B |
| Q4 2024 | 13.78% | 13.78% | 14.94% | 9.70% | $5.31B |
| Q1 2025 | 13.96% | 13.96% | 15.15% | 9.81% | $5.31B |
| Q2 2025 | 14.15% | 14.15% | 15.34% | 10.07% | $5.31B |
| Q3 2025 | 14.10% | 14.10% | 15.31% | 10.18% | $5.41B |
| Q4 2025 | 13.48% | 13.48% | 14.70% | 9.69% | $5.35B |
| Q1 2026 | 13.39% | 13.39% | 14.60% | 9.62% | $5.40B |
| Q2 2026 | 13.44% | 13.44% | 14.68% | 9.60% | $5.40B |
Central Pacific Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Pacific Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17308) · FFIEC NIC profile (RSSD 701062)