Finance Factors, Limited: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 8.55 percentage points in Q2 2026, from 72.05% to 63.50%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Finance Factors, Limited ranks first in Hawaii on return on assets among 6 banks, at 1.70%. Finance Factors, Limited reported 1.70% on return on assets for Q2 2026, 0.45 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.64% |
| Tier 1 risk-based capital ratio | 15.64% |
| Total risk-based capital ratio | 16.90% |
| Tier 1 leverage ratio | 12.02% |
| Equity capital to assets | 11.70% |
| Tangible equity to tangible assets | 11.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.04% |
| Non-performing assets ratio | 2.71% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 21.67% |
| Allowance for credit losses to loans | 2.57% |
| Reserve coverage of non-performing loans | 63.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 14.80% |
| Net interest margin | 2.67% |
| Efficiency ratio | 53.50% |
| Yield on earning assets | 5.49% |
| Cost of funds | 2.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.22% |
| Core deposits to total deposits | 86.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.95% |
| Securities to assets | 17.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.11% | 15.11% | 16.38% | 11.49% | -0.20% |
| Q4 2023 | 14.95% | 14.95% | 16.21% | 11.39% | 0.59% |
| Q1 2024 | 15.27% | 15.27% | 16.54% | 11.67% | 0.76% |
| Q2 2024 | 15.39% | 15.39% | 16.65% | 11.74% | 0.31% |
| Q3 2024 | 15.03% | 15.03% | 16.29% | 11.45% | 0.37% |
| Q4 2024 | 14.61% | 14.61% | 15.87% | 11.08% | -0.41% |
| Q1 2025 | 14.36% | 14.36% | 15.62% | 10.82% | -0.28% |
| Q2 2025 | 14.40% | 14.40% | 15.66% | 10.84% | 0.98% |
| Q3 2025 | 14.59% | 14.59% | 15.85% | 11.11% | 0.84% |
| Q4 2025 | 14.92% | 14.92% | 16.19% | 11.48% | 0.96% |
| Q1 2026 | 15.54% | 15.54% | 16.81% | 11.69% | -0.47% |
| Q2 2026 | 15.64% | 15.64% | 16.90% | 12.02% | 1.70% |
Finance Factors, Limited vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Finance Factors, Limited, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Finance Factors, Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25158) · FFIEC NIC profile (RSSD 827560)