Finance Factors, Ltd. vs Central Pacific Bank
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.
| Finance Factors, Ltd. ↗ Bank · Honolulu, HI · Est. 1952 | Central Pacific Bank ↗ Bank · Honolulu, HI · Est. 1954 | |
|---|---|---|
| Trust Grade | B · 86/100 | A · 92/100 |
| Institution type | Bank | Bank |
| Location | Honolulu, HI | Honolulu, HI |
| Total assets | $669.4M | $7.5B |
| Capital ratio | 11.6% | 8.5% |
| Return on assets | -0.5% | 1.2% |
| Deposits | $520.9M | $6.7B |
| Branches | 14 | 27 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 6 | #2 of 6 |
| Established | 1952 | 1954 |
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
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
Are both institutions federally insured?
Yes. Finance Factors, Ltd. is FDIC-insured and Central Pacific Bank 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, Finance Factors, Ltd. or Central Pacific Bank?
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 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 regardless of the institution's Trust Grade. Its Trust Grade is B (86/100), reflecting its financial strength and complaint history relative to peers.
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. Its Trust Grade is A (92/100).
What is the capital ratio of Finance Factors, Ltd. vs Central Pacific Bank?
Finance Factors, Ltd. has a capital ratio of 11.6%, placing it in the top 32% of $100M–1B peers. Central Pacific Bank's ratio is 8.5%, placing it in the bottom 14% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Finance Factors, Ltd. have compared to Central Pacific Bank?
The CFPB database shows 0 complaints against Finance Factors, Ltd., and 0 complaints against Central Pacific Bank. 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 Finance Factors, Ltd. 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.
