FDIC Cert #17308 · Honolulu, Hawaii · Est. 1954

Central Pacific Bank - FDIC Bank Health Profile

A community-scale look at Central Pacific Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$7.4B
Total assets
A
Health grade · Excellent
1.15%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Central Pacific Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.48% Tier 1, profitable at 1.15% ROA, efficient (58% cost ratio).

#214
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
13.48%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17308 · HI A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1168/4307
  • PHOTO-FINISH Columbia Bank · OR
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Hawaii: Columbia Bank, OR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Central Pacific Bank

Lowest and highest poles plus nearest scored peers outside Hawaii, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Apple River State Bank · IL …87/100Central Pacific Bank · HI · …87/100Columbia Bank · OR · near87/100German American Bank · IN · …87/100KeyBank National Ass… · OH ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Central Pacific Bank · July 2026

Plate reading for Central Pacific Bank where failures stay rare

Central Pacific Bank (FDIC Cert #17308) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,168 of 4,307. Tier 1 capital prints at 13.48%, clearing the 10% well-capitalized line. The Texas Ratio is 2.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $7.4B, 214th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Columbia Bank (OR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Central Pacific Bank

Only 1 FAILURE resolution in Hawaii since 2000

Central Pacific Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF HONOLULU HONOLULU, HI 2000 → BANK OF THE ORIENT
  • BANK USA, N.A. KIHEI, MAUI, HI 1995 → HAWAII NATIONAL BANK
  • EASTWEST BANK, N.A. KIHEI, HI 1992 → FIRST HAWAIIAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Hawaii banks.

How Central Pacific Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Central Pacific Bank's composite health score
Tier 1 Capital Ratio (13.48%) 35/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (2.30%) 20/20
Efficiency Ratio (58.48%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$7.4B

Total balance-sheet footings

Total Deposits

$6.6B

Customer-funded liabilities

Net Loans

$5.2B

Outstanding loan book

Net Income

$85M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.08% 13.48% 14.88%
Basel III capital ratios - Central Pacific Bank

Where Central Pacific Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central Pacific Bank's score of 87/100 falls in the highlighted band.

Central Pacific Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Central Pacific Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Central Pacific Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Central Pacific Bank's $7.4B falls in the highlighted band.

Safety metrics: Central Pacific Bank

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
13.48%
Texas Ratio
2.30%
Equity Capital
$634M

What these ratios mean →

Earnings posture at Central Pacific Bank

Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
13.32%
Efficiency Ratio
58.48%

What these mean →

Income & expense at Central Pacific Bank

$314M
Interest Income
$53M
Non-Interest Income
$176M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Pacific Bank reports a Texas Ratio of 2.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Central Pacific Bank on FDIC BankFind →

Top banks in Hawaii by total assets

Largest banks headquartered in Hawaii
  1. 1
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

  2. 2
    First Hawaiian Bank $24.0B

    Honolulu, HI · Grade A

  3. 3
    American Savings Bank $9.0B

    Honolulu, HI · Grade C

  4. 4
    Central Pacific Bank $7.4B

    Honolulu, HI · Grade A

  5. 5
    Hawaii National Bank $893M

    Honolulu, HI · Grade B

Top 5 banks in Hawaii ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($7.4B here), outside Hawaii so the neighborhood is not state containment.

Ocean Bank $7.4B · FL Bangor Savings Bank $7.4B · ME Ridgewood Savings Bank $7.5B · NY Bankers Trust Company $7.5B · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central Pacific Bank (FDIC Cert #17308) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

Central Pacific Bank Call Report profile · FDIC Failed Bank List · Hawaii FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Hawaii

All Hawaii banks →
BankAssetsGradeROA
Bank of HawaiiHonolulu $24.1B B 0.87%
First Hawaiian BankHonolulu $24.0B A 1.19%
American Savings Bank, National AssociationHonolulu $9.0B C -0.34%
Hawaii National BankHonolulu $893M B 0.69%
Finance Factors, Ltd.Honolulu $688M C 0.50%