Central Pacific Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Pacific Bank of Honolulu, HI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.46% | -0.25% | 44th below |
| ROAE | 14.34% | 12.71% | +1.63% | 66th above |
| Net Interest Margin | 3.60% | 3.85% | -0.25% | 42nd below |
| Efficiency Ratio | 56.70% | 57.41% | -0.71% | 56th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.80% | 1.88% | -0.08% | 56th above |
| Yield on Earning Assets | 4.45% | 5.72% | -1.27% | 6th bottom |
| Cost of Funds | 0.89% | 2.02% | -1.13% | 96th top |
| Net Interest Spread | 3.20% | 3.18% | +0.02% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 1.00% | -0.69% | 72nd above |
| NPA / Total Assets | 0.23% | 0.76% | -0.53% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.43% | -0.23% | 19th bottom |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 365.10% | 543.88% | -178.78% | 75th top |
| Texas Ratio | 2.55% | 7.40% | -4.85% | 71st above |
| Provision / NCO | 118.94% | 620.32% | -501.38% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.44% | 17.35% | -3.91% | 49th below |
| Tier 1 Ratio | 13.44% | 17.38% | -3.94% | 49th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.68% | 18.43% | -3.75% | 51st above |
| Leverage Ratio | 9.60% | 11.44% | -1.84% | 25th below |
| Equity / Assets | 8.51% | 11.34% | -2.83% | 13th bottom |
| TCE / Tangible Assets | 8.51% | 10.51% | -2.00% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.24% | 86.98% | -7.74% | 72nd above |
| Core Deposit Ratio | 91.46% | 85.54% | +5.92% | 65th above |
| Uninsured Deposit Ratio | 42.17% | 33.10% | +9.07% | 21st bottom |
| Wholesale Funding Ratio | 0.33% | 5.72% | -5.39% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.79% | 9.70% | -7.91% | 27th below |
| Loan Growth (Y/Y) | 0.39% | 8.08% | -7.69% | 19th bottom |
| Deposit Growth (Y/Y) | 2.09% | 7.89% | -5.80% | 31st below |
See Central Pacific Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Pacific Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Pacific Bank profile, how to read a UBPR, or how this data updates.