Central Pacific Bank: how it compares with its peers
Against 225 U.S. banks with half to twice its assets, Central Pacific Bank's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $10.0M peer median). Its weakest relative measure is return on assets (1.21% vs. 1.34%).
| Measure | Central Pacific Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.34% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 3.70% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.30% | 54.97% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $10.0M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.34% | 88.23% | Context |
What it means for lending operations
Its efficiency ratio of 57.30% is above the 54.97% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Northpointe Bank Grand Rapids, MI · $7.53B
- Ridgewood Savings Bank Ridgewood, NY · $7.55B
- Needham Bank Needham, MA · $7.42B
- Bank of India New York, NY · $7.42B
- TBK BANK, SSB Dallas, TX · $7.40B
- Mizrahi Tefahot Bank, Ltd. Los Angeles, CA · $7.39B
Questions about Central Pacific Bank
How big is Central Pacific Bank?
Central Pacific Bank, established in 1954, is headquartered in Honolulu, HI. It reported $7.50B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Central Pacific Bank's return on assets?
1.21% annualized in Q2 2026, against a 1.34% median for 225 U.S. banks with half to twice its assets, ahead of 33% of them.
What is Central Pacific Bank's efficiency ratio?
57.30% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 54.97%, and lower is better.
Is Central Pacific Bank growing its loans?
Net loans grew 0.4% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Hawaii bank ranked.