BlastPoint's Banking Scorecard
Finance Factors, Ltd.
Community
Specialty: Commercial
HI
FDIC cert 25158
Honolulu, HI
1484
banks in Community tier nationally
2 in HI
View Community leaderboard (HI) →
Finance Factors, Ltd. faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 3% in Community
- - Net Interest Margin 0.99% below tier
- - Non-Interest-Bearing Deposit Share 20.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$687.9M
-1.7% YoY
-3.7% QoQ
|
-$703.6M |
$1.4B
+2.0% YoY
|
$11.0B
+0.5% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$472.0M
-3.6% YoY
-3.1% QoQ
|
-$503.5M |
$975.5M
+2.4% YoY
|
$6.7B
-0.4% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$531.9M
-0.5% YoY
-4.1% QoQ
|
-$632.7M |
$1.2B
+1.7% YoY
|
$9.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.50%
+102.6% YoY
-2.7% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.68%
+6.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.68%
+8.1% YoY
+1.6% QoQ
|
-0.99% |
3.66%
+9.1% YoY
|
3.23%
+8.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
79.44%
-7.6% YoY
+1.5% QoQ
|
+16.81% |
62.63%
-5.3% YoY
|
66.73%
-1.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
1.45%
+38.0% YoY
+48.3% QoQ
|
+0.82% |
0.63%
+18.3% YoY
|
0.49%
+42.7% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
88.74%
-3.2% YoY
+1.0% QoQ
|
+5.67% |
83.06%
+0.3% YoY
|
73.59%
-0.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
0.22%
+30.3% YoY
+143.4% QoQ
|
-20.82% |
21.05%
-0.9% YoY
|
21.28%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
1.00%
+35.3% YoY
+49.1% QoQ
|
+0.50% |
0.50%
+20.3% YoY
|
0.33%
+39.5% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
14.77%
+1.1% YoY
+1.2% QoQ
|
+4.52% |
10.24%
-0.6% YoY
|
14.29%
+0.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.69%
-7.6% YoY
+35.7% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.69%
-15.7% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#8 of 245 · Bottom 3% in Community
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:
0.50%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.68%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.22%
(Tier avg: 21.05%, National avg: 21.79%)
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
75
75th pctile
Tier 1 Capital Ratio
Current: 14.77% · Tier avg: 10.24%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.74% · Tier avg: 83.06%
26
26th pctile
Total Assets
Current: $687.9M · Tier avg: $1.4B
26
26th pctile
Total Loans
Current: $472.0M · Tier avg: $975.5M
20
20th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.50%
18
18th pctile
Total Deposits
Current: $531.9M · Tier avg: $1.2B
16
16th pctile
Delinquency Rate
Current: 1.45% · Tier avg: 0.63%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.44% · Tier avg: 62.63%
9
9th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.66%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.22% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.22% · Tier avg: 21.05%
9
9th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.66%
11
11th pctile
Efficiency Ratio
Current: 79.44% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
16
16th pctile
Delinquency Rate
Current: 1.45% · Tier avg: 0.63%
18
18th pctile
Total Deposits
Current: $531.9M · Tier avg: $1.2B
20
20th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.50%
26
26th pctile
Total Loans
Current: $472.0M · Tier avg: $975.5M
26
26th pctile
Total Assets
Current: $687.9M · Tier avg: $1.4B
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.74% · Tier avg: 83.06%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.77% · Tier avg: 10.24%