| Metric | Central Pacific Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.5% | -3.7 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +0.4% | +5.9% | -5.5 pts |
| ROA | 1.21% | 1.26% | -0.1 pts |
| ROE | 14.2% | 12.2% | +2.0 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.50B | $6.70B | $5.25B | $638.0M | $45.0M | 1.21% | 3.65% | 0.22% |
| Q1 2026 | $7.49B | $6.70B | $5.26B | $635.8M | $22.2M | 1.19% | 3.62% | 0.20% |
| Q4 2025 | $7.40B | $6.62B | $5.23B | $633.7M | $85.5M | 1.15% | 3.61% | 0.22% |
| Q3 2025 | $7.42B | $6.60B | $5.31B | $670.9M | $60.5M | 1.09% | 3.58% | 0.21% |
| Q2 2025 | $7.36B | $6.56B | $5.23B | $650.2M | $40.4M | 1.09% | 3.53% | 0.23% |
| Q1 2025 | $7.39B | $6.62B | $5.28B | $637.2M | $19.4M | 1.05% | 3.45% | 0.16% |
| Q4 2024 | $7.46B | $6.67B | $5.28B | $615.4M | $65.8M | 0.88% | 3.17% | 0.16% |
| Q3 2024 | $7.40B | $6.61B | $5.28B | $618.9M | $50.9M | 0.91% | 3.12% | 0.17% |
Loan mix (Q2 2026): real estate $4.29B · commercial $555.4M · consumer $427.9M · securities $1.38B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Central Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 59.0% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Central Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Central Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Central Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Central Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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