Total Assets
$7.4B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Central Pacific Bank — FDIC Bank Health Profile
Honolulu, Hawaii · Est. 1954. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #17308 San Francisco Region
B
Health grade
Good
Score: 67/100
Basel III capital ratios — Central Pacific Bank
Total Deposits
$6.6B
Customer-funded liabilities
Net Loans
$5.2B
Outstanding loan book
Net Income
$85M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
13.48% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
13.48%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$634M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.15%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
13.32%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
58.48%
Income & Expense Breakdown
$314M
Interest Income
$53M
Non-Interest Income
$176M
Non-Interest Expense
FDIC Deposit Insurance
Central Pacific Bank is FDIC-insured (Certificate #17308). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Central Pacific Bank
Central Pacific Bank is an FDIC-insured institution (Certificate #17308) headquartered in Honolulu, Hawaii, established in 1954. The bank currently holds $7.4B in total assets and $6.6B in customer deposits, with $5.2B deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Central Pacific Bank reports a Tier 1 Capital Ratio of 13.48% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $634M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.15% and a Return on Equity of 13.32%, with an Efficiency Ratio of 58.48% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (67/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Central Pacific Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Hawaii by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Central Pacific Bank (FDIC Cert #17308) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Hawaii
All Hawaii banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of Hawaii Honolulu | $24.1B | C | 0.87% |
| First Hawaiian Bank Honolulu | $24.0B | B | 1.19% |
| American Savings Bank, National Association Honolulu | $9.0B | D | -0.34% |
| Hawaii National Bank Honolulu | $893M | C | 0.69% |
| Finance Factors, Ltd. Honolulu | $688M | D | 0.50% |
Frequently Asked Questions
What is Central Pacific Bank's health grade? ▼
Central Pacific Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Central Pacific Bank? ▼
Central Pacific Bank holds $7.4B in total assets and $6.6B in deposits. It is headquartered in Honolulu, Hawaii.
Is my money safe at Central Pacific Bank? ▼
Yes. Central Pacific Bank is FDIC-insured (Certificate #17308). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Central Pacific Bank's Tier 1 Capital Ratio? ▼
Central Pacific Bank has a Tier 1 Capital Ratio of 13.48%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Central Pacific Bank? ▼
Central Pacific Bank has an Efficiency Ratio of 58.48%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.