Hawaii National Bank 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.
| Hawaii National Bank ↗ Bank · Honolulu, HI · Est. 1960 | Central Pacific Bank ↗ Bank · Honolulu, HI · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 96/100 | A · 92/100 |
| Institution type | Bank | Bank |
| Location | Honolulu, HI | Honolulu, HI |
| Total assets | $883.5M | $7.5B |
| Capital ratio | 10.6% | 8.5% |
| Return on assets | 0.8% | 1.2% |
| Deposits | $784.6M | $6.7B |
| Branches | 10 | 27 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 6 | #2 of 6 |
| Established | 1960 | 1954 |
Hawaii National Bank
- Assets: $883.5M
- Deposits: $784.6M
- Capital ratio: 10.6%
- Return on assets: 0.8%
- CFPB complaints: 0
- State rank: #1 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. Hawaii National Bank 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, Hawaii National Bank or Central Pacific Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hawaii National Bank scores higher with a grade of A (96/100). 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 Hawaii National Bank safe?
Yes — Hawaii National 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 (96/100), 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 Hawaii National Bank vs Central Pacific Bank?
Hawaii National Bank has a capital ratio of 10.6%, placing it in the top 44% 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 Hawaii National Bank have compared to Central Pacific Bank?
The CFPB database shows 0 complaints against Hawaii National Bank, 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 Hawaii National 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.
