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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Hawaii, the state note

Central Pacific Bank

Honolulu, Hawaii · $7.50B in assets · beside the 11 other the Pacific states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+0.4%
Loans, year over year
11th of 12, largest first
8.5%
Equity / assets
9th of 11
28.8%
CRE / loans
4th of 12

Central Pacific Bank is the sixth largest of the 12 the Pacific states banks nearest its size between $3B and $10B, with $7.50B in assets at 30 June 2026. Loans are 79.2% of deposits, 5th of 12 against a median of 83.7%, and equity is 8.5% of assets, 9th of 11. Loans grew +0.4% in the year, 11th of 12, and deposits grew 2.1%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 0.30% of the book, 7th of 12 against a median of 0.28%; 0.20% is 30 to 89 days past due, and the allowance covers them 3.8 times. Net charge-offs are 0.19% of loans, 9th of 11. Commercial real estate is 28.8% of loans, 4th of 12 against a median of 40.3%, and 193% of capital, below the 300% screen, with construction at 27% against the 100% screen.

Return on assets is 1.19%, 7th of 11 against a median of 1.22%, on an efficiency ratio of 57.3%, 7th of 11. Five years ago it was 1.13%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsPacific states banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.3% CB CTBC Bank Corp. USA 13.4% HB Heritage Bank 13.3% FM Farmers & Merchants Bank Central California 11.8% SM SMBC Manubank 11.5% HB Hanmi Bank 11.2% PB Preferred Bank 10.3% RC River City Bank 9.4% PB Poppy Bank 8.9% CP Central Pacific Bank 8.5% FB Fremont Bank 7.8% AS American Savings Bank N.A. 7.7%
Loans, year over yearPacific states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.1% MT Mizrahi Tefahot Bank LTD +56.9% HB Heritage Bank +20.4% PB Poppy Bank +10.8% PB Preferred Bank +9.3% RC River City Bank +7.3% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% AS American Savings Bank N.A. +2.4% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% CP Central Pacific Bank +0.4% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Central Pacific Bank is the 1st largest 7(a) lender into Hawaii of 119, with $91M across 1,709 loans, 14.4% of everything approved in the state (Central Pacific Bank leads with $91M). 2 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Hawaii, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Honolulu, HI$74M1st of 8918.5%+0.0 pts
Maui, HI$9M3rd of 4510.8%-13.1 pts
Hawaii, HI$5M9th of 484.8%-7.8 pts
Kauai, HI$3M6th of 325.5%-10.6 pts
Collin, TX$1M184th of 2610.0%quiet FY2021
San Mateo, CA$25K128th of 1290.0%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services367$21M23.1%0.03%373rd of 2,596
Construction373$19M20.5%0.06%247th of 2,063
Professional & technical services160$9M9.6%0.03%310th of 1,955
Retail trade128$6M6.8%0.01%636th of 2,589
Health care & social assistance108$6M6.5%0.01%507th of 2,172
7(a) lenders into Hawaii, share of approvals since FY2008119 lenders on record; the ten largest and Central Pacific Bank
CP Central Pacific Bank 14.4% $91M · 1,709 loans FH First Hawaiian Bank 9.7% $62M · 482 loans Bo Bank of Hawaii 8.8% $56M · 521 loans LO Live Oak Banking Company 6.9% $44M · 37 loans AS American Savings Bank, National A… 6.1% $39M · 637 loans NB Newtek Bank, National Association 4.2% $26M · 51 loans CB Celtic Bank Corporation 3.9% $25M · 52 loans HN Hawaii National Bank 3.2% $20M · 91 loans CB Commonwealth Business Bank 2.8% $18M · 43 loans NS Newtek Small Business Finance, In… 2.1% $13M · 23 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Central Pacific BankRankCohort median
Total CRE against capital, the 300% screen193%4th of 11217%
Construction against capital, the 100% screen27%7th of 1124%
Construction and land development, share of loans4.0%8th of 123.3%
Non-owner-occupied nonfarm nonresidential, share of loans18.2%2nd of 1126.2%
Total CRE, the guidance definition, share of loans28.8%4th of 1240.3%
CRE growth over 36 months, the third prong+24.5%8th of 12+16.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American Savings Bank N.A.$9.05B1.2%61.0%0.19%0.01%1.0%75.8%7.7%
Heritage Bank$8.42B1.0%70.6%0.27%0.03%1.0%81.6%13.3%
Poppy Bank$8.32B1.3%43.2%1.89%0.38%1.4%92.8%8.9%
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Central Pacific Bank$7.50B1.2%57.3%0.30%0.19%1.1%79.2%8.5%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Central Pacific BankCohort median
20212026Change20212026Change
Loans$5.08B$5.31B+4%$3.42B$5.06B+48%
Deposits$6.41B$6.70B+5%$4.61B$5.93B+29%
NPA / loans0.16%0.30%+0.14 pts0.44%0.28%-0.16 pts
Efficiency62.0%57.3%-4.7 pts57.6%51.1%-6.5 pts
ROA1.13%1.19%+0.06 pts1.38%1.22%-0.15 pts

This read was prepared for Central Pacific Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Central Pacific Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Pacific states banks $3B to $10B
Institution WWW.CPB.BANK

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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