# OHANA PACIFIC BANK
HONOLULU, HI · FDIC certificate 58231 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**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 | $226.2M | |
| Deposits | $202.8M | |
| Loans and leases | $150.3M | |
| Total equity | $21.9M | |
| Loans / deposits | 73.19% (p68 of band) | 64.15% |
| Liquid assets / assets | 32.26% (p30 of band) | |
| Uninsured deposits / deposits | 17.74% (p47 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.40% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.14% (p45 of band) | 10.40% |
| Unrealized securities loss / equity | 0.23% (p37 of band) | 0.89% |
| AOCI / equity | 0.14% (p97 of band) | |
| ROA (annualized) | 0.51% (p20 of band) | 1.04% |
| Net interest margin | 2.80% (p26 of band) | 3.30% |
| Efficiency ratio | 73.15% (p63 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.35% |
| Net charge-offs (annualized) | -0.04% (p9 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 2.03% (p25 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | deposits shrinking | reserve under noncurrent |
| 2012-09 | 1 | capital falling | deposits shrinking |
| 2012-12 | 1 | uninsured deposits leaving | capital falling |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |

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

- 2021-03-29 [Ohana Pacific Bank in process of merging with California bank - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRXNVY0tQNHlfVlJPZ3BpeXdLZksxaHlOMjRXTWpiOE9RTTRxQjZmb09lZWZrNG5YdFFuX1JaNldCam5Fb3QxdkNINjNOdXNtRW9UNFRheGZCWnBsZmFmSlhKTDczSUI5NnlkMVBZQ2FjU3VScTdPa3JWRnRBNHhrMGxMTzhhY081cEd4OU5XSQ?oc=5) · The Business Journals
- 2021-02-02 [Ohana Pacific Bank to be acquired for up to $24.8 million - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeFA5QTlYOWZ6Y1I5UllKLTNkb2x5UDBfZWsxQnpXQUl6VFJ5bmFrRldISUdQR3BfdGZNd0hScVJya012dlpNdUVBT0dDaW5INGxhUExSOE1HSUlXTWlCTUpSanoxVDQwSW1XWUJyT3Q3SDhvOHVYZXlGdUg3WnVuQVNxckc2MFJ5MTZnNUhRQjdQVEt6YlVwUlhsd0R3TkFCcnktRUlIOA?oc=5) · Honolulu Star-Advertiser
- 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
- 2006-02-28 [New bank ready for business - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMidEFVX3lxTFBrd0Fydm5fTmxkSGJZaGptaExEYTVaNUxpMUNkREZGdHprbEl5NExwd0UyRTZmUUc5TFo5UjNDbm96Q0xBTzYzcl9oVTJobmRydk5fMUVEOGtsUlMzYTh1Y09EWjhMaGlQWWhyTHNYVWhCMGZ3?oc=5) · Honolulu Star-Advertiser
- 2021-07-15 [Ohana Pacific Bank’s $24.8M sale to Los Angeles-based Commonwealth Business Bank finalized - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPYVAtMm1TcklTcC16eWdFRE0waU1TYkV4RGJlamN4T1VaVlRaMFgxbVQtWkc1TGlwS2NYSjUwSEhCRlphcE9xMHF1Q19jQWl5dWgwWWlQakdvbXFfSlB0emhIY2xwbmlKa0FtWEVuSGFBdFY0Y0kxRDVhU2FDQkF5R1E5SlV4WDc2b2NWSXBrUzJIQ19kVnJjWlUwWGtLU0RtS01zWUtvd1lBYm5pbnRweUhHZmpycC1iT2VGV00yeUVRUkJheXdELV81ajhWTHFq?oc=5) · Honolulu Star-Advertiser
- 2013-11-18 [Banks Accepting Philippines Relief; Foundation Matching Donations - Big Island Now](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdVRBeWlMbHQtLUZDYk5WRUY0QUFSRWpvQzItWUdaaWMyc2FySl9rVFU4QUVQSWE4MEFabVhfYmZSR21XcHBHSFV6VmhZN2MzMENCWDlEcmRRa1o4aldmWHpkV3gySEpkTWxnc1BoZkxLcFpXLVBKWVBRNkJodGFJWFNGVUR5TXlhWlBtWVMwcWJKdUdoQmtrVG9DbE96bXEzanZF?oc=5) · Big Island Now
- 2013-03-13 [Business Leaders On The Move In Hawaii - midweek.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1kWWZ4ZzItakhGdkdGWEl1Njk5enRPT0psdFhCa0tPQmpZU1pFaUx6VjhldDJ6TXRDSUlBS3I4ckZ5N0VfTWZzVS1mQ0tsRFljbmZwRGItTDFtd19rTnR3Q1RXYUR4RlR4ZEIwV0VPZUdBd0Jz?oc=5) · midweek.com
- 2017-10-19 [Hawaii developer Christine Camp elected to federal bank board - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVUEtT3ROdV9KNlQteWF2ZFNjV2wzNnVPdk9EZTNnSGpEMXBldnlmYmhfaWJ4WE5nbVFCUzl2UnJaZ3dhbGZNcV85d1lLY2k2UVV0cG9XZ3J2WlRpbFI2U0FKbDhWTlBiWUowSk9FRTdBME1rQ3I5RU11UUctNjJsakpkbGIxRTE0NC1HR0NQWE12YTdHbGFScnFxSEFJVHVpQ212R21OQzdEdkU?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58231 (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/55.json (key "58231", 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