Central Pacific Bank (FDIC certificate #17308) is based in Honolulu, Hawaii. Its Q2 2026 call report shows $7.5B in total assets and $6.7B in deposits and 27 offices.
Central Pacific Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 6 banks headquartered in Hawaii, it ranks 4th. Problem-loan coverage contributes the most (95/100, 2.4%); capital cushion contributes the least (46/100, 9.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.60% |
| Q3 2024 | 9.85% |
| Q4 2024 | 9.70% |
| Q1 2025 | 9.81% |
| Q2 2025 | 10.07% |
| Q3 2025 | 10.18% |
| Q4 2025 | 9.69% |
| Q1 2026 | 9.62% |
| Q2 2026 | 9.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.88% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.09% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $7.5B | 9.60% | 0.30% | 1.21% | 78.3% |
| Q1 2026 | 68 | $7.5B | 9.62% | 0.28% | 1.19% | 78.5% |
| Q4 2025 | 67 | $7.4B | 9.69% | 0.30% | 1.15% | 79.1% |
| Q3 2025 | 68 | $7.4B | 10.18% | 0.29% | 1.09% | 80.5% |
| Q2 2025 | 68 | $7.4B | 10.07% | 0.32% | 1.09% | 79.7% |
| Q1 2025 | 67 | $7.4B | 9.81% | 0.22% | 1.05% | 79.7% |
| Q4 2024 | 66 | $7.5B | 9.70% | 0.22% | 0.88% | 79.2% |
| Q3 2024 | 66 | $7.4B | 9.85% | 0.23% | 0.91% | 80.0% |
| Q2 2024 | 65 | $7.4B | 9.60% | 0.23% | 0.88% | 80.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Hawaii
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Savings Bank, National AssociationBank Honolulu, HI | 71 out of 100, Strong | $9.0B | 9.1% | 0.19% | vs |
Deposit insurance
Is my money safe at Central Pacific Bank?
Yes. Central Pacific Bank is an FDIC-insured institution (FDIC certificate #17308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.2% of deposits ($2.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.60%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.68% (benchmark: 10%).
27 locations
Branches
Central Pacific Bank lists 27 offices in 17 cities. Most locations:
- Honolulu, HI (11)
- Aiea, HI (1)
- Ewa Beach, HI (1)
- Hilo, HI (1)
- Kahului, HI (1)
- Kailua, HI (1)
- Kailua-Kona, HI (1)
- Kaneohe, HI (1)
- Kapolei, HI (1)
- Kihei, HI (1)
- Lahaina, HI (1)
- Lihue, HI (1)
HMDA 2025
Mortgage lending
In 2025, Central Pacific Bank reported 1,418 home-loan applications under HMDA (LEI 5493005R24FV5DFFXW42): 720 originated ($318,100,000 total), 510 denied, and 167 withdrawn or closed by the applicant. Its denial rate on decided applications was 40.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Central Pacific Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 17308
- RSSD ID
- 701062
- Primary regulator
- FED
- Holding company
- Central Pacific Financial Corp
- Established
- February 15, 1954
- Headquarters
- 220 S King St, Honolulu, HI 96813
- Website
- www.cpb.bank
- Employees
- 739
Quick answers
Central Pacific Bank: common questions
Is Central Pacific Bank FDIC insured?
Yes. Central Pacific Bank is an FDIC-insured institution (FDIC certificate #17308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central Pacific Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central Pacific Bank ever failed?
There is no failure record for FDIC certificate #17308 in the FDIC failed bank list.
How many branches does Central Pacific Bank have?
27 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Honolulu
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Hawaii Federal Credit UnionCredit union Honolulu, HI | 89 out of 100, Very strong | $104.0M | 15.2% | 0.23% | vs |
| Waialua Federal Credit UnionCredit union Waialua, HI | 88 out of 100, Very strong | $47.4M | 17.8% | 0.16% | vs |
| Ewa Federal Credit UnionCredit union Ewa Beach, HI | 86 out of 100, Very strong | $13.1M | 23.9% | 0.65% | vs |
| Hawaii Schools Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $78.9M | 13.2% | 0.18% | vs |
| Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $37.1M | 18.4% | 1.02% | vs |