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Finance Factors, Ltd.
Honolulu, HI · FDIC Certificate #25158 · Chartered 05/1
Total assets
$683.73M
Total deposits
$519.28M
Total equity
$80.00M
Net loans
$446.37M
Branches (offices)
13
Net income (YTD)
$2.11M
Rank: #1,396 of 4,213 U.S. banks by assets · #6 of 6 in Hawaii. Assets changed -3.5% and deposits -6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.62% |
| Return on equity | 5.37% |
| Net interest margin (YTD) | 2.78% |
| Equity to assets | 11.70% |
| Tier 1 leverage ratio | 12.02% |
| Uninsured deposits (share of deposits) | 7.6% |
| Noncurrent loans (share of loans) | 2.23% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 86.0% |
| Real estate loans (share of loans) | 102.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $458.94M | 102.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $354.00K | 0.1% | |
| Construction & development | $44.28M | 9.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $539.27M | $442.22M | -$1.60M | $69.00M |
| Jun 2023 | $636.95M | $505.83M | $2.08M | $69.23M |
| Jun 2024 | $667.50M | $531.87M | $1.76M | $72.21M |
| Jun 2025 | $708.87M | $556.56M | $1.24M | $75.75M |
| Jun 2026 | $683.73M | $519.28M | $2.11M | $80.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Hawaii | $519.28M | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $519.28M.
Similar-sized banks
Firstbank ($684.34M) · Infirst Bank ($683.20M)
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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