Central Pacific Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 3.60%. Among 6 Hawaii banks, Central Pacific Bank sits 2nd from the top on net interest margin, 3.60% as of Q2 2026. At 3.60%, Central Pacific Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.45% |
| Yield on loans | 4.95% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.24% |
| Cost of interest-bearing liabilities | 1.25% |
| Cost of borrowings | 4.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $65.6M |
| Total interest expense | $15.1M |
| Interest expense on deposits | $14.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.03% | 1.09% | 2.99% | 4.51% | 2.09% |
| Q4 2023 | 4.12% | 1.23% | 2.94% | 4.58% | 2.19% |
| Q1 2024 | 4.17% | 1.32% | 2.91% | 4.65% | 2.17% |
| Q2 2024 | 4.32% | 1.33% | 3.05% | 4.78% | 2.48% |
| Q3 2024 | 4.45% | 1.34% | 3.18% | 4.93% | 2.63% |
| Q4 2024 | 4.43% | 1.23% | 3.27% | 4.94% | 2.57% |
| Q1 2025 | 4.38% | 1.07% | 3.37% | 4.83% | 2.80% |
| Q2 2025 | 4.47% | 1.01% | 3.51% | 4.95% | 2.77% |
| Q3 2025 | 4.56% | 1.03% | 3.59% | 5.04% | 2.83% |
| Q4 2025 | 4.53% | 0.95% | 3.63% | 5.02% | 2.78% |
| Q1 2026 | 4.39% | 0.89% | 3.54% | 4.88% | 2.74% |
| Q2 2026 | 4.45% | 0.89% | 3.60% | 4.95% | 2.80% |
Central Pacific Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Pacific Bank, freeSource: Call Report Schedules RI and RC-K, 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)