FDIC Cert #25158 · Honolulu, Hawaii · Est. 1952

Finance Factors, Ltd. - FDIC Bank Health Profile

A community-scale look at Finance Factors, Ltd.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$688M
Total assets
C
Health grade · Fair
0.50%
Return on assets
14.8%
Tier 1 capital

Data updated July 2026

The verdict

Finance Factors, Ltd. earns a PlainBankData health grade of C (62/100), with well-capitalized at 14.77% Tier 1, 0.50% ROA, 79% efficiency ratio.

#1,398
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
14.77%
Tier 1 ratio - above the 10% well-capitalized line
16th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 25158 · HI C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3640/4307
  • PHOTO-FINISH CHARTER WEST BANK · NE
  • TIER1-WELL 14.8% Tier 1
  • TEXAS-CLEAN 7.7% Texas
  • ROA-THIN 0.50% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Hawaii: CHARTER WEST BANK, NE (±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 Finance Factors, Ltd.

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

Morgan Stanley Bank,… · UT ·…100/100CHARTER WEST BANK · NE · near62/100Dean Co-operative Bank · MA …62/100Finance Factors, Ltd. · HI ·…62/100The Cooperative Bank · MA · …62/100Washita State Bank · OK · ne…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Finance Factors, Ltd. · July 2026

Plate reading for Finance Factors, Ltd. where failures stay rare

Finance Factors, Ltd. (FDIC Cert #25158) carries a PlainBankData health grade of C at 62/100, 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 #3,640 of 4,307. Tier 1 capital prints at 14.77%, clearing the 10% well-capitalized line. The Texas Ratio is 7.70%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.50%. Balance-sheet scale is $688M, 1,398th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CHARTER WEST BANK (NE), 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 Finance Factors, Ltd.

Only 1 FAILURE resolution in Hawaii since 2000

Finance Factors, Ltd. 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 Finance Factors, Ltd.'s 62/100 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 avg77/10062/100
Finance Factors, Ltd.'s composite health score
Tier 1 Capital Ratio (14.77%) 35/40
Return on Assets (ROA) (0.50%) 7/25
Texas Ratio (7.70%) 16/20
Efficiency Ratio (79.44%) 4/15

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

Balance sheet at a glance

Total Assets

$688M

Total balance-sheet footings

Total Deposits

$532M

Customer-funded liabilities

Net Loans

$472M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.37% 14.77% 16.17%
Basel III capital ratios - Finance Factors, Ltd.

Where Finance Factors, Ltd. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Finance Factors, Ltd.'s score of 62/100 falls in the highlighted band.

Finance Factors, Ltd.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Finance Factors, Ltd. 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

Finance Factors, Ltd.'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). Finance Factors, Ltd.'s $688M falls in the highlighted band.

Safety metrics: Finance Factors, Ltd.

Tier 1 capital ratio
Well-capitalized 10%

14.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.77%
Texas Ratio
7.70%
Equity Capital
$78M

What these ratios mean →

Profitability metrics: Finance Factors, Ltd.

Return on Assets (ROA)
16th percentile nationally
0.50%
Return on Equity (ROE)
4.66%
Efficiency Ratio
79.44%

What these mean →

Income & expense at Finance Factors, Ltd.

$37M
Interest Income
$5M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Finance Factors, Ltd. reports a Texas Ratio of 7.70% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.70% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Finance Factors, Ltd. 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 ($688M here), outside Hawaii so the neighborhood is not state containment.

Eagle Bank $688M · MA Citizens Bank of Kentucky, Inc. $689M · KY Grandview Bank $690M · TX The Community Bank $691M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Finance Factors, Ltd. (FDIC Cert #25158) - 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.

Finance Factors, Ltd. 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%
Central Pacific BankHonolulu $7.4B A 1.15%
Hawaii National BankHonolulu $893M B 0.69%