Central Pacific Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions fell 5.7% from Q1 2026 to Q2 2026, ending at $383.3M against $406.6M. It was the largest change among the key lines on this page. Among 6 Hawaii banks, Central Pacific Bank sits 2nd from the top on loan-to-deposit ratio, 79.24% as of Q2 2026. Central Pacific Bank reported 79.24% on loan-to-deposit ratio for Q2 2026, 8.96 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $383.3M |
| Cash and noninterest-bearing balances to assets | 5.11% |
| Cash and securities | $1.76B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.24% |
| Net loans and leases to deposits | 78.34% |
| Loans and leases to core deposits | 86.64% |
| Core deposits to total deposits | 91.46% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.88% | 87.18% | $0 | $50.0M |
| Q4 2023 | 79.20% | 87.46% | $0 | $50.0M |
| Q1 2024 | 81.31% | 89.11% | $0 | $50.0M |
| Q2 2024 | 81.54% | 89.86% | $0 | $50.0M |
| Q3 2024 | 80.90% | 90.66% | $0 | $50.0M |
| Q4 2024 | 80.07% | 90.94% | $0 | $50.0M |
| Q1 2025 | 80.66% | 90.62% | $0 | $25.0M |
| Q2 2025 | 80.58% | 91.04% | $0 | $25.0M |
| Q3 2025 | 81.38% | 90.96% | $0 | $25.0M |
| Q4 2025 | 79.97% | 91.68% | $0 | $25.0M |
| Q1 2026 | 79.39% | 91.57% | $0 | $25.0M |
| Q2 2026 | 79.24% | 91.46% | $0 | $25.0M |
Central Pacific Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Pacific Bank, freeSource: Call Report Schedules RC and RC-M, 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)