CPF

Central Pacific Financial Corp. is a bank holding company operating through Central Pacific Bank, providing commercial and consumer banking services primarily in Hawaii. The bank offers business and consumer lending, deposit accounts, treasury management, international banking, trust, and investment services. Central Pacific Bank serves individuals, small businesses, and middle-market companies across Hawaii through branch networks, ATMs, and digital platforms. Founded in 1954 and headquartered in Honolulu, Hawaii, Central Pacific Bank operates as one of the local Hawaii banks competing with national banks and other regional institutions. The company benefits from Hawaii market knowledge, community relationships, diversified business mix, and specialized capabilities including trust and international services. Central Pacific faces competitive pressures from Bank of Hawaii, First Hawaiian Bank, and national banks, along with geographic concentration risks, elevated cost structures, and limited growth opportunities in mature Hawaii markets. The bank maintains solid credit quality, strong capital levels, and prudent risk management. Central Pacific continues to focus on relationship banking, technology investments, operational efficiency, and serving Hawaii businesses and consumers with localized service and expertise.