BlastPoint's Banking Scorecard
Central Pacific Bank
Designations: ✓ Community bank
Honolulu, HI
27 branches across HI
Central Pacific Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.22% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.8% in tier
- - ROA 0.17% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+1.3% YoY
+1.2% QoQ
|
+$4.7B |
$2.8B
-0.1% YoY
|
$11.0B
+0.8% YoY
|
$6.2B
+9.1% YoY
|
Top 6.1% in tier |
| Total Loans ? |
$5.3B
-0.3% YoY
+0.6% QoQ
|
+$3.3B |
$2.0B
+0.6% YoY
|
$6.8B
+0.6% YoY
|
$3.2B
+10.8% YoY
|
Top 5.5% in tier |
| Total Deposits ? |
$6.7B
+1.3% YoY
+1.3% QoQ
|
+$4.4B |
$2.3B
-0.3% YoY
|
$9.7B
+1.0% YoY
|
$4.8B
+8.2% YoY
|
Top 4.5% in tier |
| Return on Assets ? |
1.19%
+13.8% YoY
+3.3% QoQ
|
-0.17% |
1.37%
+19.6% YoY
|
0.82%
+980.4% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
3.62%
+4.7% YoY
+0.2% QoQ
|
-0.20% |
3.82%
+6.9% YoY
|
3.32%
+7.2% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
57.84%
-1.9% YoY
-1.1% QoQ
|
-3.22% |
61.06%
-4.6% YoY
|
74.12%
+1.2% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.28%
+25.4% YoY
-7.6% QoQ
|
-0.61% |
0.89%
+14.1% YoY
|
0.59%
+108.2% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
78.50%
-1.6% YoY
-0.7% QoQ
|
-5.71% |
84.20%
+0.3% YoY
|
73.30%
-1.2% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
28.38%
+0.4% YoY
-0.7% QoQ
|
+7.09% |
21.29%
-2.5% YoY
|
21.11%
-1.6% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.20%
+23.5% YoY
-8.2% QoQ
|
-0.48% |
0.67%
+15.6% YoY
|
0.39%
+100.1% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.39%
-4.0% YoY
-0.7% QoQ
|
-1.77% |
15.16%
+2.0% YoY
|
14.39%
+2.7% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.16%
+3.3% YoY
-77.9% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.12%
-0.6% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.