BlastPoint's Banking Scorecard
Central Pacific Bank
Designations: ✓ Community bank
Honolulu, HI
27 branches across HI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 2 in HI.
- Deposits +2.1% year over year ($6.7B on the books).
- Delinquency rate 0.30%.
- Return on assets 1.21%.
- Efficiency ratio 57.30% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.34% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central Pacific Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.43% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+1.8% YoY
+0.1% QoQ
|
+$4.7B |
$2.8B
-0.6% YoY
|
$10.9B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
Top 5.5% in tier |
| Total Loans ? |
$5.3B
+0.4% YoY
-0.2% QoQ
|
+$3.3B |
$2.0B
-0.3% YoY
|
$6.8B
+1.6% YoY
|
$3.2B
+9.4% YoY
|
Top 5.5% in tier |
| Total Deposits ? |
$6.7B
+2.1% YoY
-0.0% QoQ
|
+$4.4B |
$2.3B
-0.5% YoY
|
$9.6B
+0.5% YoY
|
$4.9B
+7.3% YoY
|
Top 4.0% in tier |
| Return on Assets ? |
1.21%
+10.5% YoY
+1.2% QoQ
|
-0.18% |
1.39%
+17.0% YoY
|
1.03%
+121.0% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.65%
+3.5% YoY
+1.0% QoQ
|
-0.22% |
3.87%
+6.2% YoY
|
3.36%
+6.6% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
57.30%
-1.6% YoY
-0.9% QoQ
|
-2.43% |
59.73%
-12.6% YoY
|
63.53%
-3.9% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.30%
-6.5% YoY
+7.7% QoQ
|
-0.56% |
0.87%
+11.7% YoY
|
0.55%
+72.3% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
78.34%
-1.7% YoY
-0.2% QoQ
|
-6.70% |
85.04%
-0.1% YoY
|
74.20%
+0.4% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
28.70%
-3.5% YoY
+1.1% QoQ
|
+7.43% |
21.27%
-1.5% YoY
|
21.23%
-2.5% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.22%
-2.5% YoY
+13.5% QoQ
|
-0.45% |
0.67%
+11.7% YoY
|
0.36%
+68.4% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
13.44%
-5.0% YoY
+0.4% QoQ
|
-1.40% |
14.84%
-0.4% YoY
|
14.58%
+2.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.36%
+6.9% YoY
+125.3% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.38%
+17.1% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
-1.0pp YoY +0.3pp QoQ |
+7.3pp | 21.4% | 21.2% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.5% | n/a | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.6%
-0.4pp YoY +0.1pp QoQ |
-3.4pp | 14.0% | 12.4% | 12.5% | 46% |
| CRE |
36.1%
+3.1pp YoY -0.1pp QoQ |
-13.9pp | 50.0% | 36.3% | 41.4% | 17% |
| 1-4 Family |
45.6%
-1.8pp YoY +0.2pp QoQ |
+19.2pp | 26.4% | 46.8% | 31.3% | 87% |
| Consumer |
8.2%
-0.9pp YoY -0.1pp QoQ |
+3.4pp | 4.7% | 4.1% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
-0.7pp YoY 0.0pp QoQ |
-2.2pp | 15.6% | 14.6% | 19.7% | 49% |
| Leverage Ratio |
9.6%
-0.5pp YoY 0.0pp QoQ |
-1.7pp | 11.3% | 9.9% | 12.6% | 24% |
| Total Capital Ratio |
14.7%
-0.7pp YoY +0.1pp QoQ |
-2.0pp | 16.7% | 15.8% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
739
-4 (-0.5%) YoY +7 (+1.0%) QoQ |
+425 | 313 | 981 | 482 | 93% |
| Assets per Employee ($) |
$10.1M
+2.3% YoY -0.9% QoQ |
-$339K | $10.5M | $9.3M | $8.8M | 66% |
| Branch Count |
27
0 YoY 0 QoQ |
+7 | 20 | 29 | 18 | 78% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.4% | 24% |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.5% | 1.0% | 31% |
| Allowance Coverage |
3.81x
+8.3% YoY -5.9% QoQ |
-14.90x | 18.71x | 8.64x | 20.23x | 71% |
| Net Charge-off Rate (YTD) |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+1.4pp YoY +0.2pp QoQ |
+1.6pp | 12.6% | 11.4% | 11.6% | 67% |
| Cost of Funds (YTD) |
0.9%
-0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.9% | 1.3% | 1.7% | 4% |
| Net Income ($, YTD) |
$45.0M
+11.3% YoY — QoQ |
+$25.8M | $19.2M | $63.2M | $40.4M | 92% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.