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Central Pacific Bank
Honolulu, HI · FDIC Certificate #17308 · Chartered 02/1
Total assets
$7.50B
Total deposits
$6.70B
Total equity
$638.00M
Net loans
$5.25B
Branches (offices)
27
Net income (YTD)
$45.02M
Rank: #210 of 4,213 U.S. banks by assets · #4 of 6 in Hawaii. Assets changed 1.8% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 14.16% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 8.51% |
| Tier 1 leverage ratio | 9.60% |
| Uninsured deposits (share of deposits) | 42.2% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 78.3% |
| Real estate loans (share of loans) | 81.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.29B | 81.8% | |
| Commercial & industrial | $555.40M | 10.6% | |
| Consumer / individual | $427.93M | 8.2% | |
| Construction & development | $211.01M | 4.0% | |
| Agricultural | $242.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.29B | $6.64B | $38.96M | $536.09M |
| Jun 2023 | $7.55B | $6.82B | $33.75M | $553.72M |
| Jun 2024 | $7.37B | $6.61B | $32.70M | $591.03M |
| Jun 2025 | $7.36B | $6.56B | $40.44M | $650.15M |
| Jun 2026 | $7.50B | $6.70B | $45.02M | $638.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Hawaii | $6.70B | 27 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.70B.
Similar-sized banks
Northpointe Bank ($7.53B) · Needham Bank ($7.42B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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