Total Assets
$688M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Finance Factors, Ltd. — FDIC Bank Health Profile
Honolulu, Hawaii · Est. 1952. 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 #25158 San Francisco Region
D
Health grade
Weak
Score: 46/100
Basel III capital ratios — Finance Factors, Ltd.
Total Deposits
$532M
Customer-funded liabilities
Net Loans
$472M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Safety Metrics
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
14.77%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$78M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.50%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
4.66%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
79.44%
Income & Expense Breakdown
$37M
Interest Income
$5M
Non-Interest Income
$17M
Non-Interest Expense
FDIC Deposit Insurance
Finance Factors, Ltd. is FDIC-insured (Certificate #25158). 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 Finance Factors, Ltd.
Finance Factors, Ltd. is an FDIC-insured institution (Certificate #25158) headquartered in Honolulu, Hawaii, established in 1952. The bank currently holds $688M in total assets and $532M in customer deposits, with $472M 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, Finance Factors, Ltd. reports a Tier 1 Capital Ratio of 14.77% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $78M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.50% and a Return on Equity of 4.66%, with an Efficiency Ratio of 79.44% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (46/100), 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 Finance Factors, Ltd. 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 Finance Factors, Ltd. (FDIC Cert #25158) — 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% |
| Central Pacific Bank Honolulu | $7.4B | B | 1.15% |
| Hawaii National Bank Honolulu | $893M | C | 0.69% |
Frequently Asked Questions
What is Finance Factors, Ltd.'s health grade? ▼
Finance Factors, Ltd. receives a health grade of D (46/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Finance Factors, Ltd.? ▼
Finance Factors, Ltd. holds $688M in total assets and $532M in deposits. It is headquartered in Honolulu, Hawaii.
Is my money safe at Finance Factors, Ltd.? ▼
Yes. Finance Factors, Ltd. is FDIC-insured (Certificate #25158). 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 Finance Factors, Ltd.'s Tier 1 Capital Ratio? ▼
Finance Factors, Ltd. has a Tier 1 Capital Ratio of 14.77%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Finance Factors, Ltd.? ▼
Finance Factors, Ltd. has an Efficiency Ratio of 79.44%. Above 60% means a larger share of revenue goes to operating costs. 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.