Central Pacific Bank vs Finance Factors, Ltd.
Comparing a Bank in Honolulu, HI with a Bank in Honolulu, HI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Central Pacific Bank ↗ Bank · Honolulu, HI · Est. 1954 | Finance Factors, Ltd. ↗ Bank · Honolulu, HI · Est. 1952 | |
|---|---|---|
| Trust Grade | A · 92/100 | B · 86/100 |
| Institution type | Bank | Bank |
| Location | Honolulu, HI | Honolulu, HI |
| Total assets | $7.5B | $669.4M |
| Capital ratio | 8.5% | 11.6% |
| Return on assets | 1.2% | -0.5% |
| Deposits | $6.7B | $520.9M |
| Branches | 27 | 14 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 6 | #4 of 6 |
| Established | 1954 | 1952 |
Central Pacific Bank
- Assets: $7.5B
- Deposits: $6.7B
- Capital ratio: 8.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #2 of 6
Finance Factors, Ltd.
- Assets: $669.4M
- Deposits: $520.9M
- Capital ratio: 11.6%
- Return on assets: -0.5%
- CFPB complaints: 0
- State rank: #4 of 6
Are both institutions federally insured?
Yes. Central Pacific Bank is FDIC-insured and Finance Factors, Ltd. is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Central Pacific Bank or Finance Factors, Ltd.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Central Pacific Bank scores higher with a grade of A (92/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Central Pacific Bank safe?
Yes — Central Pacific Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (92/100), reflecting its financial strength and complaint history relative to peers.
Is Finance Factors, Ltd. safe?
Yes — Finance Factors, Ltd. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is B (86/100).
What is the capital ratio of Central Pacific Bank vs Finance Factors, Ltd.?
Central Pacific Bank has a capital ratio of 8.5%, placing it in the bottom 14% of $1B–10B peers. Finance Factors, Ltd.'s ratio is 11.6%, placing it in the top 32% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Central Pacific Bank have compared to Finance Factors, Ltd.?
The CFPB database shows 0 complaints against Central Pacific Bank, and 0 complaints against Finance Factors, Ltd.. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Central Pacific Bank with other Banks in Hawaii
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
