Central Pacific Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 2.85 percentage points in Q2 2026, from 197.79% to 194.94%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Central Pacific Bank ranks 2nd highest among the 6 banks headquartered in Hawaii, at 79.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central Pacific Bank sits 8.96 points lower, at 79.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.31B |
| Net loans and leases | $5.25B |
| Loans held for sale | $2.4M |
| Loans to total assets | 70.86% |
| Loan-to-deposit ratio | 79.24% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.10% |
| Multifamily (5+ residential) | 6.65% |
| Commercial and industrial | 10.46% |
| Consumer | 8.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.94% |
| Construction concentration (Tier 1 capital + allowance) | 26.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.95% |
| Interest income on loans | $65.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.51B | $6.90B | 19.55% | 9.36% | 12.40% |
| Q4 2023 | $5.44B | $6.87B | 20.24% | 9.53% | 11.59% |
| Q1 2024 | $5.40B | $6.64B | 21.13% | 9.68% | 10.74% |
| Q2 2024 | $5.39B | $6.61B | 22.04% | 10.07% | 10.06% |
| Q3 2024 | $5.34B | $6.61B | 21.90% | 10.59% | 9.72% |
| Q4 2024 | $5.34B | $6.67B | 22.54% | 10.72% | 9.56% |
| Q1 2025 | $5.34B | $6.62B | 23.48% | 11.28% | 8.65% |
| Q2 2025 | $5.29B | $6.56B | 23.39% | 10.88% | 8.92% |
| Q3 2025 | $5.37B | $6.60B | 23.75% | 10.74% | 8.89% |
| Q4 2025 | $5.29B | $6.62B | 23.91% | 10.54% | 8.46% |
| Q1 2026 | $5.32B | $6.70B | 25.24% | 10.41% | 8.12% |
| Q2 2026 | $5.31B | $6.70B | 25.10% | 10.46% | 8.06% |
Central Pacific Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Pacific Bank, freeSource: Call Report Schedule RC-C, 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)