Finance Factors, Ltd. is a state-chartered bank headquartered in Honolulu, Hawaii, in business for about 74 years. At the end of Q2 2026 it reported $683.7M in total assets and $519.3M in deposits, with 14 offices.
Finance Factors, Ltd. has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 6 banks headquartered in Hawaii, it ranks 6th. Problem-loan coverage contributes the most (78/100, 11.2%); loan quality contributes the least (26/100, 2.23%).
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
From Q2 2025 to Q2 2026, the score fell 7 points (62 → 55), mostly because the loan quality component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 60 |
| Q1 2025 | 56 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 47 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.74% |
| Q3 2024 | 11.45% |
| Q4 2024 | 11.08% |
| Q1 2025 | 10.82% |
| Q2 2025 | 10.84% |
| Q3 2025 | 11.11% |
| Q4 2025 | 11.48% |
| Q1 2026 | 11.69% |
| Q2 2026 | 12.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.28% |
| Q4 2024 | 1.03% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.42% |
| Q1 2026 | 2.08% |
| Q2 2026 | 2.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.25% |
| Q1 2025 | -0.28% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.63% |
| Q1 2026 | -0.47% |
| Q2 2026 | 0.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $683.7M | 12.02% | 2.23% | 0.62% | 86.0% |
| Q1 2026 | 47 | $669.4M | 11.69% | 2.08% | -0.47% | 85.8% |
| Q4 2025 | 61 | $688.2M | 11.48% | 1.42% | 0.63% | 88.7% |
| Q3 2025 | 63 | $714.3M | 11.11% | 0.96% | 0.51% | 87.9% |
| Q2 2025 | 62 | $708.9M | 10.84% | 0.88% | 0.35% | 88.2% |
| Q1 2025 | 56 | $711.5M | 10.82% | 0.88% | -0.28% | 91.9% |
| Q4 2024 | 60 | $700.0M | 11.08% | 1.03% | 0.25% | 91.6% |
| Q3 2024 | 70 | $683.6M | 11.45% | 0.28% | 0.47% | 91.4% |
| Q2 2024 | 71 | $667.5M | 11.74% | 0.40% | 0.53% | 87.5% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Hawaii National BankBank Honolulu, HI | 72 out of 100, Strong | $871.7M | 11.0% | 0.05% | vs |
Deposit insurance
Is my money safe at Finance Factors, Ltd.?
Yes. Finance Factors, Ltd. is an FDIC-insured institution (FDIC certificate #25158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.6% of deposits ($39.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.90% (benchmark: 10%).
14 locations
Branches
Finance Factors, Ltd. lists 13 offices in 7 cities. Most locations:
- Honolulu, HI (7)
- Hilo, HI (1)
- Kahului, HI (1)
- Kailua, HI (1)
- Kailua Kona, HI (1)
- Lihue, HI (1)
- Pearl City, HI (1)
Identity & history
Profile
- Legal name
- Finance Factors, Ltd.
- Type
- State-chartered bank
- FDIC certificate #
- 25158
- RSSD ID
- 827560
- Primary regulator
- FDIC
- Established
- May 14, 1952
- Headquarters
- 1164 Bishop St, Honolulu, HI 96813
- Website
- www.financefactors.com
- Employees
- 108
Quick answers
Finance Factors, Ltd.: common questions
Is Finance Factors, Ltd. FDIC insured?
Yes. Finance Factors, Ltd. is an FDIC-insured institution (FDIC certificate #25158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Finance Factors, Ltd.'s TellerScore?
55 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 Finance Factors, Ltd. ever failed?
There is no failure record for FDIC certificate #25158 in the FDIC failed bank list.
How many branches does Finance Factors, Ltd. have?
14 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 |