BlastPoint's Banking Scorecard

Finance Factors, Ltd.

$100M-$1B Specialty: Commercial HI FDIC cert 25158

Designations: ✓ Minority Depository Institution

Honolulu, HI

14 branches across HI · GU

2664 banks in the $100M-$1B peer group nationally 2 in HI

Finance Factors, Ltd. faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 28.7% in tier
- Deposit Outflow: Bottom 34.8% in tier
- Efficiency Drag: Bottom 47.3% in tier
- Return on Assets 1.74% below tier average
- Net Interest Margin 1.12% below tier average
- Non-Interest-Bearing Deposit Share 21.88% below tier average
- Non-Interest Income / Assets 0.44% below tier average
- Delinquency Rate 1.25% above tier average

Get updates when Finance Factors, Ltd. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Total Assets ?	$669.4M -5.9% YoY -2.7% QoQ	+$283.3M	$386.1M +0.5% YoY	$11.0B +0.8% YoY	$6.2B +9.1% YoY	Top 14.2% in tier
Total Loans ?	$447.2M -10.3% YoY -5.3% QoQ	+$191.5M	$255.7M +1.1% YoY	$6.8B +0.6% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$520.9M -3.9% YoY -2.1% QoQ	+$193.0M	$328.0M +0.1% YoY	$9.7B +1.0% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	-0.47% -65.7% YoY -194.3% QoQ	-1.74%	1.27% +12.9% YoY	0.82% +980.4% YoY	1.23% +13.4% YoY	Bottom 1.8% in tier
Net Interest Margin ?	2.81% +3.6% YoY +4.9% QoQ	-1.12%	3.93% +6.0% YoY	3.32% +7.2% YoY	3.89% +5.7% YoY	Bottom 6.9% in tier
Efficiency Ratio ?	136.26% +12.7% YoY +71.5% QoQ	+70.97%	65.29% -4.5% YoY	74.12% +1.2% YoY	66.95% -4.1% YoY	Bottom 0.5% in tier
Delinquency Rate ?	2.14% +137.0% YoY +47.0% QoQ	+1.25%	0.89% +18.8% YoY	0.59% +108.2% YoY	0.95% +18.8% YoY	Bottom 11.3% in tier
Loan-to-Deposit Ratio ?	85.85% -6.6% YoY -3.3% QoQ	+9.21%	76.64% +0.8% YoY	73.30% -1.2% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	0.13% -12.1% YoY -39.8% QoQ	-21.88%	22.02% -1.0% YoY	21.11% -1.6% YoY	22.01% -1.2% YoY	Bottom 0.6% in tier
Nonperforming Asset Ratio ?	1.43% +126.0% YoY +43.1% QoQ	+0.79%	0.64% +19.7% YoY	0.39% +100.1% YoY	0.67% +19.3% YoY	Bottom 12.5% in tier
Tier 1 Capital Ratio ?	15.54% +8.2% YoY +5.2% QoQ	-0.29%	15.83% +1.5% YoY	14.39% +2.7% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	-0.16% -29.7% YoY -122.8% QoQ	-0.44%	0.28% +9.3% YoY	0.12% -0.6% YoY	0.32% +4.1% YoY	Bottom 0.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Constraint

risk

#32 of 108 • Bottom 28.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 85.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 15.54%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#177 of 506 • Bottom 34.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Efficiency Drag

risk

#197 of 414 • Bottom 47.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 136.26%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

378

Total Assets

size

Value: $669.43M

Peer Median: $386.08M

#378 of 2664 Top 14.2% in $100M-$1B

418

Total Loans

size

Value: $447.21M

Peer Median: $255.72M

#418 of 2664 Top 15.7% in $100M-$1B

495

Total Deposits

size

Value: $520.93M

Peer Median: $327.97M

#495 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (7 metrics)

2662

Non-Interest Income / Assets

revenue_mix

Value: -0.16%

Peer Median: 0.28%

#2662 of 2664 Bottom 0.1% in $100M-$1B

2651

Efficiency Ratio

profitability

Value: 136.26%

Peer Median: 65.29%

#2651 of 2664 Bottom 0.5% in $100M-$1B

2649

Non-Interest-Bearing Deposit Share

funding

Value: 0.13%

Peer Median: 22.02%

#2649 of 2664 Bottom 0.6% in $100M-$1B

2618

Return on Assets

profitability

Value: -0.47%

Peer Median: 1.27%

#2618 of 2664 Bottom 1.8% in $100M-$1B

2481

Net Interest Margin

profitability

Value: 2.81%

Peer Median: 3.93%

#2481 of 2664 Bottom 6.9% in $100M-$1B

2354

Delinquency Rate

credit_quality

Value: 2.14%

Peer Median: 0.89%

#2354 of 2654 Bottom 11.3% in $100M-$1B

2333

Nonperforming Asset Ratio

credit_quality

Value: 1.43%

Peer Median: 0.64%

#2333 of 2664 Bottom 12.5% in $100M-$1B