Finance Factors, Limited: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Finance Factors, Limited of Honolulu, HI against its peer group of 2672 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 | 1.70% | 1.35% | +0.35% | 74th above |
| ROAE | 14.80% | 12.05% | +2.75% | 65th above |
| Net Interest Margin | 2.67% | 3.90% | -1.23% | 5th bottom |
| Efficiency Ratio | 53.50% | 63.15% | -9.65% | 73rd above |
| PPNR / Avg Assets | 2.21% | 1.64% | +0.57% | 80th top |
| Yield on Earning Assets | 5.49% | 5.65% | -0.16% | 45th below |
| Cost of Funds | 2.88% | 1.85% | +1.03% | 7th bottom |
| Net Interest Spread | 2.54% | 3.35% | -0.81% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.04% | 0.92% | +3.12% | 3rd bottom |
| NPA / Total Assets | 2.71% | 0.67% | +2.04% | 4th bottom |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 88th top |
| ACL / Total Loans | 2.57% | 1.28% | +1.29% | 97th top |
| ACL / NPLs (Coverage) | 63.50% | 1645.81% | -1582.31% | 16th bottom |
| Texas Ratio | 21.67% | 7.14% | +14.53% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.64% | 20.83% | -5.19% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.64% | 20.86% | -5.22% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.90% | 21.94% | -5.04% | 56th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.02% | 12.46% | -0.44% | 65th above |
| Equity / Assets | 11.70% | 11.67% | +0.03% | 68th above |
| TCE / Tangible Assets | 11.70% | 11.40% | +0.30% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.22% | 78.64% | +9.58% | 32nd below |
| Core Deposit Ratio | 86.62% | 87.09% | -0.47% | 37th below |
| Wholesale Funding Ratio | 10.53% | 5.11% | +5.42% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.55% | 6.48% | -10.03% | 7th bottom |
| Loan Growth (Y/Y) | -9.00% | 7.65% | -16.65% | 3rd bottom |
| Deposit Growth (Y/Y) | -6.70% | 6.03% | -12.73% | 4th bottom |
See Finance Factors, Limited's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Finance Factors, Limited, 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 Finance Factors, Limited profile, how to read a UBPR, or how this data updates.