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Finance Factors, Ltd.

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

Designations: ✓ Minority Depository Institution

Honolulu, HI

14 branches across HI · GU

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 2 in HI.
  • Deposits -6.7% year over year ($519.3M on the books).
  • Delinquency rate 2.29%.
  • Return on assets 0.62%.
  • Efficiency ratio 76.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 2 in HI
View $100M-$1B leaderboard (HI) →

Finance Factors, Ltd. faces 7 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

  • - Deposit Outflow: Bottom 17.4% in tier
  • - Capital Constraint: Bottom 19.6% in tier
  • - Net Interest Margin 1.21% below tier average
  • - Non-Interest-Bearing Deposit Share 21.79% below tier average
  • - ROA 0.70% below tier average
  • - Efficiency Ratio 11.87% above tier average
  • - Delinquency Rate 1.37% above tier average
Get updates when Finance Factors, Ltd. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Total Assets ? $683.7M
-3.5% YoY +2.1% QoQ
+$297.2M $386.6M
+1.2% YoY
$10.9B
+0.4% YoY
$6.3B
+7.7% YoY
Top 13.4% in tier
Total Loans ? $446.4M
-9.1% YoY -0.2% QoQ
+$188.0M $258.3M
+1.7% YoY
$6.8B
+1.6% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $519.3M
-6.7% YoY -0.3% QoQ
+$192.5M $326.7M
+0.7% YoY
$9.6B
+0.5% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 0.62%
+76.6% YoY +231.7% QoQ
-0.70% 1.32%
+10.8% YoY
1.03%
+121.0% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 2.78%
+5.7% YoY -1.2% QoQ
-1.21% 3.99%
+5.0% YoY
3.36%
+6.6% YoY
3.95%
+4.9% YoY
Bottom 5.9% in tier
Efficiency Ratio ? 76.34%
-8.1% YoY -44.0% QoQ
+11.87% 64.48%
-3.2% YoY
63.53%
-3.9% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 2.29%
+155.0% YoY +7.4% QoQ
+1.37% 0.92%
+15.7% YoY
0.55%
+72.3% YoY
0.98%
+16.3% YoY
Bottom 10.4% in tier
Loan-to-Deposit Ratio ? 85.96%
-2.6% YoY +0.1% QoQ
+8.01% 77.95%
+1.0% YoY
74.20%
+0.4% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 0.24%
-5.2% YoY +76.8% QoQ
-21.79% 22.03%
-0.6% YoY
21.23%
-2.5% YoY
21.98%
-0.6% YoY
Bottom 0.9% in tier
Nonperforming Asset Ratio ? 1.50%
+140.3% YoY +5.0% QoQ
+0.83% 0.67%
+16.4% YoY
0.36%
+68.4% YoY
0.69%
+15.8% YoY
Bottom 12.2% in tier
Tier 1 Capital Ratio ? 15.64%
+8.6% YoY +0.6% QoQ
-0.27% 15.91%
+1.4% YoY
14.58%
+2.1% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.44%
+118.9% YoY +379.8% QoQ
-0.13% 0.57%
+7.6% YoY
0.38%
+17.1% YoY
0.66%
+5.2% YoY
Top 12.1% in tier

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 0.2%
0.0pp YoY
+0.1pp QoQ
 -21.9pp 22.1% 21.2% 22.2% 0%
Brokered Deposits n/a n/a 7.9% 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 n/a n/a 11.6% 12.4% 12.5% n/a
CRE 45.2%
-2.5pp YoY
+0.7pp QoQ
 +5.6pp 39.5% 36.3% 41.4% 62%
1-4 Family 54.8%
+2.5pp YoY
-0.8pp QoQ
 +22.1pp 32.6% 46.8% 31.3% 86%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.1% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
CET1 Ratio 15.6%
+1.2pp YoY
+0.1pp QoQ
 -3.2pp 18.8% 14.6% 19.7% 55%
Leverage Ratio 12.0%
+1.2pp YoY
+0.3pp QoQ
 -0.2pp 12.2% 9.9% 12.6% 65%
Total Capital Ratio 16.9%
+1.2pp YoY
+0.1pp QoQ
 -3.0pp 19.9% 15.8% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Full-Time Employees 108
+1 (+0.9%) YoY
0 QoQ
 +49 58 981 482 89%
Assets per Employee ($) $6.3M
-4.4% YoY
+2.1% QoQ
 -$1.2M $7.5M $9.3M $8.8M 39%
Branch Count 13
0 YoY
0 QoQ
 +8 4 29 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
-0.4pp QoQ
 0.0pp 0.3% 0.1% 0.4% 75%
Nonaccrual 2.0%
+1.1pp YoY
+0.6pp QoQ
 +1.0pp 0.9% 0.5% 1.0% 87%
Allowance Coverage 1.15x
-59.0% YoY
-5.3% QoQ
 -23.01x 24.15x 8.64x 20.23x 31%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
ROE 5.4%
+2.0pp YoY
+9.5pp QoQ
 -6.8pp 12.2% 11.4% 11.6% 15%
Cost of Funds (YTD) 2.9%
-0.5pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.3% 1.7% 96%
Net Income ($, YTD) $2.1M
+70.0% YoY
— QoQ
 -$443K $2.6M $63.2M $40.4M 54%

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 (2)

Deposit Outflow

decline
#94 of 535 • Bottom 17.4% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#22 of 107 • Bottom 19.6% 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: 85.96%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.64%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

320
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.57%
#320 of 2643 Top 12.1% in $100M-$1B
355
Total Assets
size
Value: $683.73M
Peer Median: $386.57M
#355 of 2643 Top 13.4% in $100M-$1B
436
Total Loans
size
Value: $446.37M
Peer Median: $258.35M
#436 of 2643 Top 16.5% in $100M-$1B
483
Total Deposits
size
Value: $519.28M
Peer Median: $326.73M
#483 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (6 metrics)

2621
Non-Interest-Bearing Deposit Share
funding
Value: 0.24%
Peer Median: 22.03%
#2621 of 2643 Bottom 0.9% in $100M-$1B
2489
Net Interest Margin
profitability
Value: 2.78%
Peer Median: 3.99%
#2489 of 2643 Bottom 5.9% in $100M-$1B
2361
Delinquency Rate
credit_quality
Value: 2.29%
Peer Median: 0.92%
#2361 of 2633 Bottom 10.4% in $100M-$1B
2322
Nonperforming Asset Ratio
credit_quality
Value: 1.50%
Peer Median: 0.67%
#2322 of 2643 Bottom 12.2% in $100M-$1B
2226
Return on Assets
profitability
Value: 0.62%
Peer Median: 1.32%
#2226 of 2643 Bottom 15.8% in $100M-$1B
2161
Efficiency Ratio
profitability
Value: 76.34%
Peer Median: 64.48%
#2161 of 2643 Bottom 18.3% in $100M-$1B
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