# FINANCE FACTORS LTD
HONOLULU, HI · FDIC certificate 25158 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $683.7M | |
| Deposits | $519.3M | |
| Loans and leases | $458.1M | |
| Total equity | $80.0M | |
| Loans / deposits | 85.96% (p61 of band) | 82.04% |
| Liquid assets / assets | 18.38% (p26 of band) | |
| Uninsured deposits / deposits | 7.61% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.53% (p79 of band) | |
| FHLB advances / assets | 10.53% | |
| Tier 1 leverage | 12.02% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -4.47% (p66 of band) | -8.10% |
| AOCI / equity | -0.78% (p31 of band) | |
| ROA (annualized) | 0.62% (p15 of band) | 1.28% |
| Net interest margin | 2.78% (p6 of band) | 3.91% |
| Efficiency ratio | 76.34% (p84 of band) | |
| Noncurrent loans | 2.23% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 114.79% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 55.35% (p61 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 108 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | construction >100% equity |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 5 | expense ratio p90 |  |
| 2012-09 | 4 |  | expense ratio p90 |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 |  | noncurrent p90 |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, expense ratio p90 |  |
| 2020-06 | 1 |  | losing money |
| 2020-09 | 2 | deposits shrinking |  |
| 2020-12 | 1 |  | expense ratio p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | assets shrinking |  |
| 2021-09 | 0 |  | deposits shrinking, assets shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | losing money, expense ratio p90, assets shrinking |  |
| 2022-06 | 3 | capital falling | assets shrinking |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2023-12 | 1 |  | expense ratio p90 |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | capital falling, NIM <2.5% |  |
| 2025-03 | 3 | losing money, expense ratio p90 | NIM <2.5% |
| 2025-06 | 0 |  | capital falling, losing money, expense ratio p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 3 | losing money, expense ratio p90, assets shrinking |  |
| 2026-06 | 1 | deposits shrinking | losing money, expense ratio p90, assets shrinking |

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

- 2026-05-01 [Jen Lau promoted to president of Finance Enterprises as company enters 75th year - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZ2tpNkZpVmxOaDc2MHlFdWNPY2prTnlaNFdZZ01iek1NYk9OWWY1WUx3SzJaakNhMER1eVl0RExjcGhWcDNmRXJaR3duZWdiQk9QaHdRVTNVTjdUTUYwd2pocktWLWNfd19xTjE3Y2ZnMEx1a2lSSVk4QlNlUnVBNnVTMTdKZkRQTlNFanFUdk14bmxfY3JaS20wY1NRV0lPZmVzMXc4SmFZUQ?oc=5) · The Business Journals
- 2025-10-02 [Hawaii bank CEO elected to Federal Home Loan Bank of Des Moines board - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOLUFERlUwSWxKYm1kbkhNdDVPN1RjOHE2NXZPeWJodERXTHhFT0hKYVBtT2t1eEJtXy0yd1J3ZE55LXEzUFhXY3FzNkktWWVvVGZVZVhpblFqWHNUdmlScTVjdFhoeWFjZWJxdzZaTkdSSkNQY1dHS000VnlsZlZKQmgzSzd1YWVQTHJzMGoyMlR3eDdNSDB5LVdqY1Zha0M1TGs0?oc=5) · The Business Journals
- 2020-08-18 [Hawai‘i’s Most Profitable Companies 2020 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTE1YYU1lQVZ4OHIxZTNUNDBTMVk3cHZoMlF0Y3JkTXlLQ2NGTHg4ZUxnSERQQnFlZG41U25yaGVMcVVZa0NRUFdoY0QxbHVpR2tuYVNYNUV4TWxKaGtpa0c5ajJEc0swVjlJeHVrVkdOSTBzeVZGOVE?oc=5) · Hawaii Business Magazine
- 2017-12-08 [2017 Black Book: 326 Profiles of Hawaiʻi Executives - Page 5 of 13 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBhV3ZNVldfaVN4Y3JSVUVzMlZ0cDVZUThIX3RuTE1mVjVnNU42NldtWEIyS1hGR2tNRXVqdTNLdVlkWm1fNmpubzBSdUlYWVZRNnhUSE5peHJ3UWtrRWc?oc=5) · Hawaii Business Magazine
- 2021-11-29 [Rob Nelson sets down family roots with Finance Factors - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPaXZZMzBKd2ZIOGdlYW5qelZxTF96TmtGRTVXWE50SE1ZTGJmaU9FQ1hEWV9oN1JpLTh2ZmU3RDZvQ2FoN2p4cmNLZ05PbnRlbUIzSXpKbGwxWThxc1Rtak1JUHlpQ1ZjVFg0RTBhLU9VVWJTVkViTkRQZHh3YmNDN2pVTEtFcVF4VjNYSEVzWHBXdjhqOFJMUDZyMnlrWkNnbEJR?oc=5) · The Business Journals
- 2006-02-19 [E-mail to Business Desk - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1ORWdIR3RoMTF6MHcta0pYMGZNQlpkT0VsTl9Hd2JzTEx2WExpZ3NtVlZObjgyUkRsbDN1TEJvdGFnLUdnLUFNU2tNdEJTbUVPUkFXZUEwcjZPcWg5WkUtTWIwQ2M?oc=5) · Honolulu Star-Advertiser
- 2021-08-24 [Finance Factors names new president - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX3BBSmJSUUMzbWN0bnl0YjkzbHZhSFpEbm96Mmd4YThfOFBpV2J6dnJDZEhVLXdVanZaaHRLWTFfUG9WcDZwTmcxWHpkVFBZQ0Q0NFV3MTlvV1Q0LVRNRTlFZ0xmd0hUOU1nYW42VXVaMkxEei11MkpyM190V3VRMTBVUUp4ZmFrSmdIUHpsWENuYl9LVS04?oc=5) · The Business Journals
- 2022-11-04 [BLH 2022 Career Achievement honoree Russell Lau of Finance Factors on life and leadership - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVHZFNWFVNEU4bFF6M3hwUnBEem5fWklKRzNnMmxjd1c5RHZlWkVDdmp2Sll6NFFJZGdscDhQTk91U1JHeTBuZmozd3ItTldBdHZhUWs4aFVxQzhXUktoYzBjMW83SkR1OU5EWm5ObThKN1JJUGZBbDZPeWpRU2dvd2d2NUVrX1JlM2hrSjN0STJqajVBdHpYSE94NTNDQUdIYWRQTkhGWQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25158 (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/6.json (key "25158", 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.

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