Finance Factors, Limited
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Data as of · sourced from FFIEC call reports. How we update
Finance Factors, Limited is an FDIC-insured commercial bank headquartered in Honolulu, HI, established in 1952 (FDIC certificate 25158), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $683.7M, down 3.5% from Q2 2025, the 6th largest of 6 banks headquartered in Hawaii. Its CET1 capital ratio was 15.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25158
- Headquarters
- Honolulu, HI
- Established
- 1952
- Total assets, Q2 2026
- $683.7M
- Assets vs Q2 2025
- -3.5%
- CET1 ratio, Q2 2026
- 15.64%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 321381233
- Latest call report
- Q2 2026, FFIEC 031 · Finance Factors, Limited call report
- Holding company
- FINANCE ENTERPRISES, LTD.
- Asset rank in state
- 6th of 6 in Hawaii
Problem loans are rising at Finance Factors, Limited. Its balance sheet stood at $684 million at June 30, 2026, down 3.5% from a year earlier; it is based in Honolulu, Hawaii. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.23% of loans from 0.88% a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.88% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.9 million, 67% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 11.2% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Finance Factors, Limited reported a CET1 capital ratio of 15.64%, a return on assets of 1.70%, a nonperforming-loan ratio of 2.23% and a Texas ratio of 11.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Finance Factors, Limited is the smallest of the 6 banks headquartered in Hawaii. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $683.7M, loans fell 0.1% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.4% of total loans, followed by multifamily loans at 19.4%. The FDIC Summary of Deposits lists 13 offices for it, in 7 cities in HI; its Honolulu 7 offices book 63% of its branch deposits. Judged on its Q2 2026 call report, Finance Factors, Limited meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1164 Bishop St, Honolulu, HI 96813
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- May 14, 1952
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 108
- Domestic deposits
- $519.3M
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- -$27K
- Average total assets
- $683.3M
- Average total loans
- $461.7M
- Average interest-bearing deposits
- $529.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 4, 1984
- FDIC Cert
- 25158
- Fed RSSD
- 827560
- SEC CIK
- 35621 → filed by FINANCE ENTERPRISES, LTD.
- Website
- http://www.financefactors.com →
- Parent Holding Company
- FINANCE ENTERPRISES, LTD. (RSSD 4815538)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Finance Factors, Limited's total assets ranged from $667.0M (Q3 2023) to $714.3M (Q3 2025), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$683.7M total assets against $708.9M; $603.7M total liabilities against $633.1M.
$446.4M net loans and leases against $491.1M; $519.3M total deposits against $556.6M.
$119.1M securities against $89.0M; $6.6M cash and balances due against $26.0M.
$8.4M total interest income against $9.2M; $4.3M total interest expense against $5.3M.
$4.1M net interest income against $4.0M.
$4.0M total noninterest income against $2.3M; $4.3M total noninterest expense against $3.9M.
$0 provision for credit losses against $0.
$2.9M net income against $1.7M.
1.70% return on assets against 0.98%; 2.67% net interest margin against 2.45%.
15.64% CET1 capital ratio against 14.40%; 12.02% tier 1 leverage ratio against 10.84%.
Inside the full Finance Factors, Limited terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Finance Factors, Limited rankings
Its closest position to the top of a national ranking is 538 of 3,640, for Texas Ratio; its furthest is 756 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.47% (Q1 2026) to 1.70% (Q2 2026) and its net interest margin ran from 2.34% (Q4 2024) to 2.74% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.64% | 1.70% | 2.23% | 11.16% | 2.67% |
| Q1 2026 | 15.54% | -0.47% | 2.08% | 10.74% | 2.74% |
| Q4 2025 | 14.92% | 0.96% | 1.42% | 7.63% | 2.70% |
| Q3 2025 | 14.59% | 0.84% | 0.96% | 5.33% | 2.60% |
| Q2 2025 | 14.40% | 0.98% | 0.88% | 5.01% | 2.45% |
| Q1 2025 | 14.36% | -0.28% | 0.88% | 5.23% | 2.64% |
| Q4 2024 | 14.61% | -0.41% | 1.03% | 6.02% | 2.34% |
| Q3 2024 | 15.03% | 0.37% | 0.28% | 1.59% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pearl City Branch | Pearl City , HI | 96782 | $95.8M |
| Liliha Branch | Honolulu , HI | 96817 | $68.2M |
| Finance Factors, Ltd. | Honolulu , HI | 96813 | $58.6M |
| Kahala Branch | Honolulu , HI | 96816 | $48.3M |
| Kailua Branch | Kailua , HI | 96734 | $40.1M |
| Manoa Branch | Honolulu , HI | 96822 | $38.8M |
| Kaimuki Branch | Honolulu , HI | 96816 | $38.5M |
| Kalihi Branch | Honolulu , HI | 96817 | $38.4M |
| Kapiolani Branch | Honolulu , HI | 96814 | $35.5M |
| Kahului Branch | Kahului , HI | 96732 | $30.1M |
| Hilo Branch | Hilo , HI | 96720 | $11.2M |
| Kailua-Kona | Kailua Kona , HI | 96740 | $9.3M |
| Lihue Branch | Lihue , HI | 96766 | $6.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1999 | Structure Change | Acquired Rainbow Finance Corporation Sale of Assets for the acquired bank | FFIEC NIC |
| July 23, 1992 | Structure Change | Acquired Paradise Finance, Incorporated Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 22, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in HI, rank 7 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Finance Factors, Limited
What are Finance Factors, Limited's total assets?
As of the Q2 2026 filing, Finance Factors, Limited reported total assets of $683.7 million in its FFIEC call report.
Where is Finance Factors, Limited headquartered?
It is headquartered in Honolulu, HI, United States.
When was Finance Factors, Limited founded?
It was established in 1952, per the FDIC institution directory.
Is Finance Factors, Limited FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Finance Factors, Limited?
Finance Factors, Limited's primary federal regulator is the FDIC.
What is Finance Factors, Limited's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Finance Factors, Limited operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Finance Factors, Limited's Texas Ratio?
Its Texas Ratio is 11.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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