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Central Pacific Bank
Honolulu, HI·FDIC Cert #17308·Charter: STATE·Est. 19540215.0·HC: CENTRAL PACIFIC FINANCIAL CORP
Total Assets
$7.4B
Q4 2025
Return on Assets
1.15%
+0.06%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.48%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%+0.06
ROE
13.32%+0.78
Efficiency
58.48%-0.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.30%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.07%-1.40
Charge-offs
0.23%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 0.9 | 0.9 | 1.0 | 1.1 | 1.1 | 1.2 |
| ROE | 10.3 | 11.2 | 11.5 | 11.0 | 12.4 | 12.8 | 12.5 | 13.3 |
| Efficiency | 63.0 | 62.1 | 61.8 | 61.0 | 59.0 | 58.3 | 58.9 | 58.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 80.4 | 80.6 | 80.0 | 79.2 | 79.7 | 79.7 | 80.5 | 79.1 |
Balance Sheet
Total Assets$7.4B
Total Deposits$6.6B
Total Loans$5.2B
Total Equity$633.7M
Profitability
ROA1.15%
ROE13.32%
Efficiency Ratio58.48%
Net Income$85.5M
Risk & Asset Quality
NPL Ratio0.30%
Charge-off Rate0.23%
Loan/Deposit79.07%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans