🏦Bank Scorer

CENTRAL PACIFIC BANK

HONOLULU, HI · Supervised by FDIC

Est. 1954FDIC #17,308RSSD: FDIC-17308
Part ofCENTRAL PACIFIC FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

220 S King St, HONOLULU, HI

County

Honolulu County

Established

February 15, 1954

Total Assets

$7.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.5B

Total Deposits

$6.7B

Net Loans

$5.3B

Net Income

$22M

ROA

1.19%

ROE

13.98%

Risk-Based Capital

14.60%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate35.49%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

27

Branch Deposits

$6.6B

1-Year Change

0

5-year net change: -8 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,06845.6%35.49%
20231,28748.8%35.43%
20222,54865.19%23.19%
20214,20569.66%15.70%
20204,68667.33%15.69%
20193,14467.05%20.77%
20183,07266.54%21.71%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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