# CENTRAL PACIFIC BANK
HONOLULU, HI · FDIC certificate 17308 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.50B | |
| Deposits | $6.70B | |
| Loans and leases | $5.31B | |
| Total equity | $638.0M | |
| Loans / deposits | 78.34% (p29 of band) | 87.10% |
| Liquid assets / assets | 23.53% (p59 of band) | |
| Uninsured deposits / deposits | 42.17% (p78 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.33% (p18 of band) | |
| FHLB advances / assets | 0.33% | |
| Tier 1 leverage | 9.60% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -23.12% (p15 of band) | -7.75% |
| AOCI / equity | -0.17% (p59 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.26% |
| Net interest margin | 3.65% (p47 of band) | 3.70% |
| Efficiency ratio | 57.30% (p43 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 380.80% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 33.07% (p34 of band) | |
| Auto loans | $271.5M (5.11% of loans; DQ 0.98%, NCO 0.02%) | |
| Loans to nondepository financials | $6.3M (1% of equity) (p76 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 739 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | noncurrent p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | expense ratio p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | charge-offs p90 |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Hurricane Lowell forces bank closures across Kauai, parts of Oahu and Maui - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOHpZMHpzaEtzd0pINmVDaURpQ1l0VTh1TWVlb3F5MUgxTUtTWHRxMEtsci1sNm1lWHBqZmViWkJPeDM4SmV6eXBYMFNhcER6Z1NjVDlmaFctaXlMSWZ0MGVXYl9hN05DdXpXUmEzeHhyYVhZMWlXRzQ3T19hYUxzeTFsS3NLVVFwMFZDS1RucnA2d2k3eTVJQw?oc=5) · The Business Journals
- 2026-08-11 [Central Pacific Bank spotlights local vendors, shopper perks ahead of Made in Hawaii Festival - Hawaii News Now](https://news.google.com/rss/articles/CBMizwFBVV95cUxPTzJDeGdSS3laZW1GSlJFNXlwMFdkZUZyMVNSODhqeHYyaHpleWlJRGcxQ2FIN1NtaC1GRk45SVVMNmVzZ1g1M19hdHJFYmVOd3hfa2Jiai1EdUdRUmlHSGxpZDg1WDVhaGZzUFlpelU4UWo0UlQ2VkEzMkZ5ZW5PNWpuNnZvRFZGUmdOSVR6MWJERFNpU3l0aml6Y0xZWUVGX056YldEa3BqMEZqdnJ2cUtVa2d2OFJzQkc4aG53d09OSm9QS0IwVXlTVUN2SkE?oc=5) · Hawaii News Now
- 2026-07-01 [Forbes names Central Pacific Bank best in Hawai‘i for 3rd consecutive year - Maui Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQcXp1a3YxVXZwcDVJSjI4Z0hmSHVocWtrbEgtVVBXRzJkN3VCTGhCUndJd0F0ODNIUmRCX1FKY1IwZngzZlY5cHh3UVZ1eVZybVF1dHBGQ3RHWWwyOXRCZHlPWnktWDJfeFpnUklTMnFBS2xwUVBFTGZmdThaTEp3VkRPcThfaUNXMXRMeF9vYW54bGNERmlOVUFfVGJUTjFLUFh1bHhTWXI?oc=5) · Maui Now
- 2026-07-07 [Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results - Business Wire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNUjVKbVR2d3hjaHpUb1dhSGRKOWhIeEJTTE55WlczMU5xWWhUajEtZ0hQWFhNZk81dlM5V2pmNzIzV2h3dUpidVdKdGE1Ri1JMkhLLVhMdkxfaDFoMXRjbFliZDdFeEhuYWtIVzRsWHZrQWN3Q2pzMU84Zk41amdMaVFCWklQakVpQjA1U0F5dGhPZ2NFWmFVX0NYa0FKSUJPVmdCWTh0a3VuNC1EdFdDbDFqbkZLQTdxRkMydkxRZDJ2TFgzc3BKVEJ0ejJfdEc3RUtndm5RZVlpOVJTZHAzdk92czhDN2JPX3pCLUcwcGZZNGhoYkE?oc=5) · Business Wire
- 2025-11-19 [Q&A: Shidler alumnus leads Central Pacific Bank - University of Hawaii System](https://news.google.com/rss/articles/CBMiZEFVX3lxTE0xcEdBaUc0c3NjQVhtREdzR3BoSGczaFA0TnBhaDNzbzJYUG9TMkF5d1RFcjVDT3F6SGNpZ05oOGVadnItZndIZldRcUlwVDhDeTFZcm1Sb0F3N2JCdmN3bm5NWXI?oc=5) · University of Hawaii System
- 2025-12-21 [Neal Ken Kanda - hawaiiobituaries.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNOFFnLWNNVjZMNkRHTWRudTFlTUVJTlV4c0stM0xUbDVQZDBOQUhhZS1VS01yX3N4OHBoRXkwS1J4Y3Ewb25va2c2eC1VT1c3RXo0THFJYjVLZkVFYUEzSlZYamUtVW5PNF9XTW10Q2Jkd0pqMFd4NjBOU3RrMmxEOXdSMWNNTU01RVlYY3h1VDRfRWxBYjNZRWNmVUM?oc=5) · hawaiiobituaries.com
- 2026-02-27 [CENTRAL PACIFIC FINANCIAL CORP SEC 10-K Report - TradingView](https://news.google.com/rss/articles/CBMirAFBVV95cUxOSFFqVkRRaGRCRlNhQ1BQSFBRNTVzR0VPQmVITGd2R0k5NkRHY0ZnQktpTXRuZnc3TFg1NTlDeHJoOEJJU1MwbTRYU1d2Uk41YjIzZWlxYmp2TFVGQm45TGw2aUw2WTFfTVdLVTB5c2pvV1ZzMjBkVzhScjNlMVBuQ2hNTFI2a2dLNERyeEU4WnV5NzY2UU04c2J1eEQ1VkN6eW1lWDVPTHY0aWU5?oc=5) · TradingView
- 2026-01-02 [Central Pacific Bank lands on Newsweek list of best regional banks for 2026 - Kauai Now](https://news.google.com/rss/articles/CBMisgFBVV95cUxNRWRPNUhmT2kyT3M0ckxSbnhlekNmcThNUUZETThzTlRydi03cmhjakdVbnJWREItaXhUNjBHZVR1X1F4ZHF4eUI0MFpwTW41SXUwQWxqRFpSTlhTbC1MTUIwV1Y5Q2tDeUdhTlpkX3JJRDRMWTR5bGtmWUlDQ192YlozU01YZ1VHRkVJSUZBU3NmMmhNSE9PT1FsU0hWdllYMXdFSklWUW40Z3hSZEtKbXpB?oc=5) · Kauai Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17308 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "17308", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide