BlastPoint's Banking Scorecard
Central Pacific Bank
Mid-Market
Specialty: Commercial
HI
FDIC cert 17308
Designations: ✓ Community bank
Honolulu, HI
201
banks in Mid-Market tier nationally
4 in HI
View Mid-Market leaderboard (HI) →
Central Pacific Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17% in Mid-Market
- - Flatlined Growth: Bottom 42% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.4B
-0.8% YoY
-0.2% QoQ
|
-$3.1B |
$10.5B
+2.9% YoY
|
$11.0B
+0.5% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$5.2B
-0.9% YoY
-1.5% QoQ
|
-$1.9B |
$7.1B
+4.5% YoY
|
$6.7B
-0.4% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$6.6B
-0.8% YoY
+0.3% QoQ
|
-$1.9B |
$8.5B
+3.0% YoY
|
$9.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.15%
+30.6% YoY
+5.9% QoQ
|
-0.01% |
1.16%
+9.4% YoY
|
0.68%
+6.9% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.61%
+13.8% YoY
+0.8% QoQ
|
+0.21% |
3.40%
+7.9% YoY
|
3.23%
+8.7% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
58.48%
-4.2% YoY
-0.6% QoQ
|
+1.87% |
56.60%
-3.2% YoY
|
66.73%
-1.3% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.30%
+36.4% YoY
+2.2% QoQ
|
-0.38% |
0.68%
+12.0% YoY
|
0.49%
+42.7% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
79.07%
-0.1% YoY
-1.7% QoQ
|
-6.40% |
85.47%
+1.1% YoY
|
73.59%
-0.8% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
28.59%
-0.0% YoY
-1.6% QoQ
|
+7.95% |
20.64%
-0.3% YoY
|
21.28%
-1.2% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.22%
+36.3% YoY
+0.9% QoQ
|
-0.28% |
0.50%
+7.3% YoY
|
0.33%
+39.5% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.48%
-2.1% YoY
-4.4% QoQ
|
-0.07% |
13.55%
+1.8% YoY
|
14.29%
+0.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.72%
+7.9% YoY
+38.3% QoQ
|
-0.23% |
0.96%
+7.1% YoY
|
0.69%
-15.7% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#6 of 50 · Top 10% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.30%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Quality Pressure
risk
#20 of 113 · Bottom 17% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.30%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#19 of 44 · Bottom 42% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.15%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 28.59% · Tier avg: 20.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.68%
71
71th pctile
Loan-to-Deposit Ratio
Current: 79.07% · Tier avg: 85.47%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.48% · Tier avg: 13.55%
58
58th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.96%
56
56th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.40%
49
49th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
47
47th pctile
Total Deposits
Current: $6.6B · Tier avg: $8.5B
43
43th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
41
41th pctile
Efficiency Ratio
Current: 58.48% · Tier avg: 56.60%
37
37th pctile
Total Assets
Current: $7.4B · Tier avg: $10.5B
Top Weaknesses
37
37th pctile
Total Assets
Current: $7.4B · Tier avg: $10.5B
41
41th pctile
Efficiency Ratio
Current: 58.48% · Tier avg: 56.60%
43
43th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
47
47th pctile
Total Deposits
Current: $6.6B · Tier avg: $8.5B
49
49th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
56
56th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.40%
58
58th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.96%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.48% · Tier avg: 13.55%
71
71th pctile
Loan-to-Deposit Ratio
Current: 79.07% · Tier avg: 85.47%
75
75th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.68%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 28.59% · Tier avg: 20.64%