Central Pacific Financial Corp. (CPF): Business Model Canvas

Tauchen Sie ein in den strategischen Plan der Central Pacific Financial Corp. (CPF), einem dynamischen Bankkonzern, der tief in der hawaiianischen Wirtschaftslandschaft verwurzelt ist. Dieses umfassende Business Model Canvas zeigt, wie CPF das regionale Bankwesen durch die Kombination innovativer digitaler Technologien, personalisierter Finanzlösungen und einem tiefgreifenden Engagement für die Entwicklung der lokalen Gemeinschaft transformiert. Von maßgeschneiderten Kreditdienstleistungen bis hin zu hochmodernen digitalen Plattformen zeigt der einzigartige Ansatz von CPF, wie eine Regionalbank außergewöhnlichen Wert schaffen kann, indem sie die unterschiedlichen Bedürfnisse hawaiianischer Unternehmen und Verbraucher versteht und bedient.

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Wichtige Partnerschaften

Lokale hawaiianische Unternehmensnetzwerke und Gemeinschaftsorganisationen

Ab 2024 unterhält Central Pacific Financial Corp. strategische Partnerschaften mit:

Organisationstyp	Anzahl aktiver Partnerschaften	Jährlicher Kooperationswert
Handelskammer von Hawaii	7	1,2 Millionen US-Dollar
Lokale Wirtschaftsverbände	12	$850,000
Gemeinschaftsentwicklungsorganisationen	5	$450,000

Gewerbeimmobilienentwickler in Hawaii

Wichtige Partnerschaftsdetails mit Immobilienentwicklern:

• Gesamtzahl der Entwicklerpartnerschaften: 18
• Gesamtportfolio an gewerblichen Krediten: 324 Millionen US-Dollar
• Durchschnittliche Kredithöhe: 18 Millionen US-Dollar

Finanzdienstleister für kleine und mittlere Unternehmen (KMU).

Kategorie „Partnerschaft“.	Anzahl der Partner	Gesamtes KMU-Kreditvolumen
Lokale Finanzdienstleistungen für KMU	22	215 Millionen Dollar
Unternehmensberatungspartner	9	75 Millionen Dollar

Strategische Banktechnologie und digitale Plattformpartner

Kennzahlen zur Technologiepartnerschaft:

• Anzahl Technologiepartner: 6
• Jährliche Technologieinvestition: 7,3 Millionen US-Dollar
• Transaktionsvolumen der digitalen Banking-Plattform: 2,4 Millionen Transaktionen

Technologiepartner	Partnerschaftsfokus	Jährliche Investition in die Zusammenarbeit
Fiserv	Kernbankensysteme	2,1 Millionen US-Dollar
Jack Henry	Digitale Banking-Lösungen	1,5 Millionen Dollar
FIS Global	Zahlungsabwicklung	1,2 Millionen US-Dollar

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete Central Pacific Financial Corp. ein Gesamtvermögen von 6,2 Milliarden US-Dollar. Die Bank betreibt 35 Filialen in ganz Hawaii und konzentriert sich auf Geschäfts- und Privatkundendienstleistungen.

Servicekategorie	Gesamtvolumen (2023)	Marktanteil
Kommerzielles Banking	2,8 Milliarden US-Dollar	15,6 % auf Hawaii
Privatkundengeschäft	1,5 Milliarden US-Dollar	12,3 % auf Hawaii

Unternehmens- und Verbraucherkredite

Im Jahr 2023 zeigte das Kreditportfolio von CPF eine bedeutende Leistung:

• Gesamtkredite für Unternehmen: 1,9 Milliarden US-Dollar
• Gesamtverbraucherkredite: 1,2 Milliarden US-Dollar
• Nettokreditwachstum: 6,4 % im Jahresvergleich

Kreditsegment	Durchschnittliche Kredithöhe	Standardtarif
Kommerzielle Kreditvergabe	$475,000	1.2%
Verbraucherkredite	$85,000	2.1%

Einlagen- und Anlageproduktmanagement

CPF verwaltete im Jahr 2023 Gesamteinlagen in Höhe von 5,4 Milliarden US-Dollar mit vielfältigen Produktangeboten.

Einzahlungsprodukt	Gesamtvolumen	Durchschnittlicher Zinssatz
Girokonten	1,6 Milliarden US-Dollar	0.25%
Sparkonten	1,2 Milliarden US-Dollar	0.40%
Anlagekonten	650 Millionen Dollar	2.15%

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 125.000
• Online-Transaktionsvolumen: 3,2 Millionen Transaktionen
• Investition in die digitale Plattform: 12,5 Millionen US-Dollar

Risikomanagement und Finanzberatungsdienste

Risikomanagementleistung im Jahr 2023:

Risikometrik	Wert
Rückstellungen für Kreditverluste	82 Millionen Dollar
Risikomanagementbudget	15,3 Millionen US-Dollar
Compliance-Mitarbeiter	62 Profis

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur in Hawaii

Im vierten Quartal 2023 unterhält Central Pacific Financial Corp. 35 Full-Service-Filialen in ganz Hawaii. Das gemeldete Gesamtvermögen belief sich auf 5,37 Milliarden US-Dollar. Nettokreditportfoliowert: 4,01 Milliarden US-Dollar.

Filialnetz	Geografische Abdeckung	Vermögensgröße
35 Filialen	Hauptsächlich Hawaii-Inseln	5,37 Milliarden US-Dollar

Erfahrenes Finanzmanagement-Team

Zusammensetzung der Führung ab 2024:

• Durchschnittliche Amtszeit der Führungskräfte: 12,5 Jahre
• C-Suite-Mitglieder mit Bankerfahrung: 7 Fachleute
• Kombinierte Bankerfahrung: 95 Jahre

Robuste digitale Banking-Technologie

Kennzahlen zur digitalen Banking-Plattform:

Online-Banking-Benutzer	Mobile-Banking-App-Downloads	Digitales Transaktionsvolumen
127.500 aktive Benutzer	86.300 Downloads	3,2 Millionen monatliche Transaktionen

Etablierte Kundenbeziehungen

Statistiken zum Kundenstamm:

• Gesamtzahl der Kundenkonten: 218.600
• Privatkunden: 163.000
• Firmenkunden: 5.600

Umfassende Finanzdienstleistungsfunktionen

Aufschlüsselung des Leistungsportfolios:

Servicekategorie	Umsatzbeitrag
Kommerzielle Kreditvergabe	42 % des Gesamtumsatzes
Persönliches Banking	33 % des Gesamtumsatzes
Vermögensverwaltung	15 % des Gesamtumsatzes
Andere Finanzdienstleistungen	10 % des Gesamtumsatzes

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für hawaiianische Unternehmen und Verbraucher

Im vierten Quartal 2023 meldete Central Pacific Financial Corp. ein Gesamtvermögen von 5,37 Milliarden US-Dollar, mit einem Kreditportfolio von 4,16 Milliarden US-Dollar, das speziell auf hawaiianische Unternehmen und Verbraucher ausgerichtet war.

Produktkategorie	Gesamtwert	Marktdurchdringung
Geschäftskredite	2,43 Milliarden US-Dollar	57,4 % des regionalen Marktes
Verbraucherkredite	1,73 Milliarden US-Dollar	46,2 % des regionalen Marktes

Lokale Marktexpertise und gemeinschaftsorientierte Finanzdienstleistungen

CPF unterhält 35 Filialen in ganz Hawaii und betreut rund 125.000 Kunden mit lokalisierten Finanzlösungen.

• Durchschnittliche Kredithöhe für kleine Unternehmen: 247.000 $
• Gemeinschaftliche Reinvestitionsfonds: 58,6 Millionen US-Dollar im Jahr 2023
• Lokale Beschäftigung: 687 Vollzeitbeschäftigte in Hawaii

Wettbewerbsfähige Kreditzinsen für regionale Unternehmen

Ab Dezember 2023 bot CPF die folgenden wettbewerbsfähigen Kreditzinsen an:

Darlehenstyp	Zinsspanne	Kreditlaufzeit
Kredite für kleine Unternehmen	6.25% - 9.75%	1-7 Jahre
Gewerbeimmobilien	5.50% - 7.25%	5-20 Jahre

Integrierte digitale und traditionelle Bankerfahrungen

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 78.500
• Online-Transaktionsvolumen: 2,3 Millionen monatlich
• Einnahmen aus dem digitalen Banking: 42,3 Millionen US-Dollar

Maßgeschneiderte Finanzprodukte für spezifische regionale Wirtschaftsbedürfnisse

Aufschlüsselung des spezialisierten Produktportfolios für 2023:

Produkttyp	Gesamtwert des Portfolios	Wachstumsrate
Kredite für den Tourismussektor	687 Millionen US-Dollar	12.4%
Agrarkredite	213 Millionen Dollar	7.6%
Finanzierung erneuerbarer Energien	156 Millionen Dollar	18.2%

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Kundenbeziehungen

Beziehungsbasierter Banking-Ansatz

Im vierten Quartal 2023 unterhielt Central Pacific Financial Corp. 35 Filialen hauptsächlich auf Hawaii und betreute rund 124.000 Kundenkonten. Der beziehungsbasierte Ansatz der Bank konzentrierte sich auf personalisierte Finanzdienstleistungen mit einer durchschnittlichen Kundenbindungsrate von 87,4 %.

Kundensegment	Gesamtkonten	Durchschnittliche Beziehungsdauer
Persönliches Banking	89,600	6,3 Jahre
Geschäftsbanking	34,400	5,7 Jahre

Persönliche Bankberatung

CPF bereitgestellt engagierte Kundenbetreuer für Kunden mit einem Kontostand von mehr als 250.000 US-Dollar. Im Jahr 2023 erhielten rund 22.300 vermögende Kunden eine personalisierte Finanzberatung.

• Durchschnittliche Beratungszeit: 45 Minuten
• Beratungshäufigkeit: Vierteljährlich für hochwertige Kunden
• Verfügbarkeit der digitalen Terminplanung: 24/7

Digitale Kundensupportkanäle

Die Kennzahlen zur digitalen Unterstützung für 2023 wurden enthüllt:

Kanal	Monatliche Interaktionen	Durchschnittliche Reaktionszeit
Unterstützung für mobile Apps	78,500	12 Minuten
Online-Chat	42,300	8 Minuten
Telefonsupport	55,200	15 Minuten

Community-Engagement und lokale Vernetzung

CPF investierte im Jahr 2023 1,2 Millionen US-Dollar in lokale Community-Engagement-Programme auf ganz Hawaii und unterstützte 87 lokale Veranstaltungen und gemeinnützige Organisationen.

• Lokale Unternehmenssponsorings: 42
• Community-Workshops zur Finanzbildung: 24
• Gesamtzahl der Teilnehmer an Gemeinschaftsprogrammen: 6.750

Maßgeschneiderte Finanzberatungsdienste

Aufschlüsselung der spezialisierten Beratungsdienstleistungen für 2023:

Beratungsdienst	Gesamtzahl der Kunden	Durchschnittlicher Portfoliowert
Ruhestandsplanung	16,500	$475,000
Investmentmanagement	11,200	$680,000
Strategie zur Vermögensübertragung	5,300	$1,200,000

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Hawaii

Ab 2024 unterhält Central Pacific Financial Corp. 35 physische Niederlassungen auf den Hawaii-Inseln.

Insel	Anzahl der Filialen
Oahu	24
Hawaii (Große Insel)	5
Maui	4
Kauai	2

Online-Banking-Plattform

Die digitale Banking-Plattform bedient im vierten Quartal 2023 rund 78.500 aktive Online-Banking-Nutzer.

• Zu den Plattformfunktionen gehört die Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Transaktionsverlauf

Mobile-Banking-Anwendung

Die Mobile-Banking-App von CPF hat im Jahr 2024 62.300 aktive monatliche Nutzer.

Plattform	App-Downloads
Apple App Store	42,500
Google Play Store	38,200

Kundendienst-Callcenter

Central Pacific Financial betreibt zwei primäre Kundendienstzentren.

• Durchschnittliches Anrufvolumen: 12.500 Anrufe pro Monat
• Durchschnittliche Antwortzeit: 3,2 Minuten
• Kundendienstmitarbeiter: 85 Mitarbeiter

Digitale Kommunikationsplattformen

Digitale Interaktionskanäle umfassen mehrere Plattformen.

Plattform	Anzahl der Follower
LinkedIn	4,200
Facebook	7,800
Twitter	3,500

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere hawaiianische Unternehmen

Im vierten Quartal 2023 betreut Central Pacific Financial Corp. etwa 12.500 kleine und mittlere Unternehmen in Hawaii. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 687,3 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsunternehmen	4,750	245,6 Millionen US-Dollar
Dienstleistungsunternehmen	3,900	203,4 Millionen US-Dollar
Professionelle Dienstleistungen	2,850	238,3 Millionen US-Dollar

Lokale Einzelverbraucher

Das Consumer-Banking-Segment umfasst 89.400 Privatkontoinhaber in Hawaii. Gesamtvermögen der Privatbanken: 2,1 Milliarden US-Dollar.

• Persönliche Girokonten: 62.300
• Persönliche Sparkonten: 47.500
• Privatkreditkunden: 22.600

Gewerbliche Immobilieninvestoren

Gewerbliches Immobilienkreditportfolio: 1,45 Milliarden US-Dollar bei 620 aktiven Investorenkunden.

Immobilientyp	Anzahl der Investoren	Gesamtinvestitionswert
Wohnimmobilien	280	612,7 Millionen US-Dollar
Gewerbeimmobilien	215	528,3 Millionen US-Dollar
Gemischt genutzte Immobilien	125	309,0 Millionen US-Dollar

Fachleute aus der Agrar- und Tourismusbranche

Spezialkredite für den Landwirtschafts- und Tourismussektor: 412,6 Millionen US-Dollar an 350 Kunden.

• Agrarunternehmen: 210 Kunden
• Tourismusbezogene Unternehmen: 140 Kunden

Privat- und Geschäftsbankkunden in Hawaii

Gesamtkundenstamm: 127.500 Privat- und Geschäftskunden. Verwaltetes Gesamtvermögen: 4,3 Milliarden US-Dollar.

Kundenkategorie	Anzahl der Kunden	Gesamtvermögen der Bank
Persönliches Banking	89,400	2,1 Milliarden US-Dollar
Geschäftsbanking	38,100	2,2 Milliarden US-Dollar

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Zum Finanzbericht 2023 unterhielt Central Pacific Financial Corp. insgesamt 35 Filialen in ganz Hawaii. Die jährlichen Betriebskosten der Filiale beliefen sich auf insgesamt 24,3 Millionen US-Dollar, darunter:

Ausgabenkategorie	Jährliche Kosten
Miete und Instandhaltung von Anlagen	8,7 Millionen US-Dollar
Dienstprogramme	3,2 Millionen US-Dollar
Bürobedarf	1,5 Millionen Dollar

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf 12,6 Millionen US-Dollar und umfassten:

• IT-System-Upgrades: 5,4 Millionen US-Dollar
• Investitionen in Cybersicherheit: 3,2 Millionen US-Dollar
• Softwarelizenzierung: 2,7 Millionen US-Dollar
• Netzwerkwartung: 1,3 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 erreichten 87,4 Millionen US-Dollar:

Vergütungskategorie	Betrag
Grundgehälter	62,3 Millionen US-Dollar
Krankenversicherung	9,6 Millionen US-Dollar
Altersvorsorgeleistungen	8,5 Millionen US-Dollar	Boni und Anreize	7,0 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf insgesamt 6,8 Millionen US-Dollar:

• Rechtsberatungsdienste: 3,2 Millionen US-Dollar
• Prüfung und Berichterstattung: 2,1 Millionen US-Dollar
• Zulassungsgebühren: 1,5 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2023 auf 5,9 Millionen US-Dollar:

Marketingkanal	Ausgaben
Digitale Werbung	2,4 Millionen US-Dollar
Traditionelle Medien	1,7 Millionen US-Dollar
Gemeinschaftspatenschaften	1,2 Millionen US-Dollar
Kundengewinnungsprogramme	$600,000

Central Pacific Financial Corp. (CPF) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete Central Pacific Financial Corp. einen Nettozinsertrag von 251,4 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamtsaldo
Gewerbeimmobilien	3,89 Milliarden US-Dollar
Kommerziell & Industriell	1,02 Milliarden US-Dollar
Verbraucherkredite	612 Millionen Dollar
Wohnhypothek	1,47 Milliarden US-Dollar

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 47,3 Millionen US-Dollar, mit folgender Verteilung:

• Gebühren für die Kontoführung: 22,1 Millionen US-Dollar
• Gebühren für Geldautomaten- und Debitkartentransaktionen: 12,6 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 12,6 Millionen US-Dollar

Einnahmen aus Gewerbe- und Verbraucherkrediten

Die gewerbliche Kreditvergabe generierte einen Umsatz von 89,7 Millionen US-Dollar, mit folgenden Schlüsselsegmenten:

Kreditsegment	Einnahmen
Geschäftskredite	62,3 Millionen US-Dollar
Kredite für kleine Unternehmen	27,4 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Der Umsatz im digitalen Banking erreichte im Jahr 2023 18,5 Millionen US-Dollar:

• Online-Banking-Transaktionen: 8,7 Millionen US-Dollar
• Mobile Banking-Transaktionen: 9,8 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Aufschlüsselung der Erträge aus Wertpapierdienstleistungen für 2023:

Servicekategorie	Einnahmen
Vermögensverwaltungsgebühren	24,6 Millionen US-Dollar
Vermögensverwaltungsberatung	16,2 Millionen US-Dollar
Maklerdienstleistungen	11,3 Millionen US-Dollar

Central Pacific Financial Corp. (CPF) - Canvas Business Model: Value Propositions

You're looking at the core reasons customers choose Central Pacific Financial Corp. (CPF) over other options in the islands, which really boils down to deep local roots and proven performance as of late 2025.

Deep local expertise and community-focused banking in Hawaii.

Central Pacific Bank (CPB) was established in 1954 by Japanese-American veterans of World War II specifically to serve the financial needs of immigrant families and small businesses that other institutions overlooked. This legacy underpins the current value proposition of deep local expertise. As of September 30, 2025, Central Pacific Financial Corp. operates 27 branches and 55 ATMs exclusively within the State of Hawaii, reinforcing its physical presence and commitment to the local economy. The bank is recognized as the 4th largest financial institution in Hawaii, with total assets reported at approximately $7.42 billion as of that same date. This local focus translates into a granular understanding of the Hawaiian market, which is a key differentiator.

Market leadership in residential mortgage and SBA loan origination.

CPF positions itself as a leading force in supporting local homeownership and business expansion through its loan origination strength. The bank is explicitly a market leader in residential mortgage and SBA loan originations within Hawaii. This isn't just a recent push; CPB has a long track record, having been named the SBA Lender of the Year Category II 16 times since 2004. The loan portfolio mix as of September 30, 2025, shows a strategic shift: there was a $119 million Year-to-Date reduction in lower-yielding, long-duration residential mortgage and home equity loans, which was balanced by growth in commercial mortgage and construction loans. This suggests a focus on higher-quality or more dynamic lending segments while maintaining its leadership position.

Named Best Bank in Hawaii by Forbes for 2025.

External validation of service quality is a powerful value proposition. Central Pacific Bank was honored as the Best Bank in Hawaii by Forbes Magazine for 2025. Honestly, being named the top bank in the state by Forbes for the third time in the past four years speaks volumes about consistent customer satisfaction and operational quality. This recognition is based on independent surveys covering overall satisfaction, trust, and service quality across branch and digital channels.

The table below summarizes key metrics that support the bank's standing and operational scale as of late 2025:

Metric	Value (As of Sep 30, 2025)	Unit
Total Assets	$7,421,478	Thousands
Total Loans	$5,367,202	Thousands
Total Deposits	$6,577,684	Thousands
Branch Network Size	27	Locations
Q3 2025 Net Income	$18.6 Million	Amount
Q3 2025 Net Interest Income	$61.3 Million	Amount

Tailored financial solutions for small businesses and families.

The bank's foundational purpose was to serve the needs of families and small businesses, a mission it continues to execute with tailored offerings. For businesses, this includes being a leading SBA lender and seeing growth in commercial mortgage and C&I (Commercial and Industrial) lending as of Q3 2025. For families, the value proposition includes supporting homeownership, though management is actively managing the residential mortgage portfolio runoff. The bank also launched its Business Express online loan portal to offer self-service credit applications, blending its local relationship focus with modern digital convenience. The capital strength underpinning these solutions is evident in the targeted Common Equity Tier 1 (CET1) ratio of 11%-12% and a Tangible Common Equity (TCE) target of 7.5%-8.5%.

You can see the commitment to local support reflected in their historical and recent achievements:

• Founded in 1954 by WWII veterans.
• Named Best Bank in Hawaii by Forbes for 2025.
• Achieved SBA Lender of the Year Category II 16 times since 2004.
• Reported Q3 2025 Net Income of $18.6 Million.
• Maintained a strong Total Risk-Based Capital ratio, targeting 11%-12% CET1.

Finance: draft 13-week cash view by Friday.

Central Pacific Financial Corp. (CPF) - Canvas Business Model: Customer Relationships

The approach to customer relationships for Central Pacific Financial Corp. centers on a localized, high-touch model supported by a physical footprint and specific product incentives for key segments.

Dedicated banker relationships for personalized service.

Central Pacific Bank operates a network of 27 branches and 55 ATMs across the State of Hawaii as of September 30, 2025. The bank emphasizes serving the financial needs of all families and small businesses in the Islands. For business customers, the Business Exceptional flagship checking account is designed to offer superior value compared to competitors.

Feature/Metric	Value/Detail
Free Deposits/Checks Per Period (Business Exceptional)	325
Competitor Free Transactions (Benchmark)	100 or fewer
Cash Bonus Option 1 (New Funds)	$1,200 for depositing $75,000
Cash Bonus Option 2 (New Funds)	$400 for depositing $25,000
Minimum Balance to Avoid Monthly Service Charge	$10,000

The bank also launched Business Express, described as the state's only online loan portal offered by a local bank, in early 2025.

Community engagement and philanthropic giving.

Central Pacific Financial Corp. highlights a long history of giving back to the communities where its employees work and live. The bank's values are described as local and focused on the community.

• CPB was named the Best Bank In Hawaii by Forbes Magazine in 2025.
• This Forbes recognition marks the fourth consecutive year the Bank has made the list as of Q2 2025.

High-touch service combined with digital self-service options.

The service model blends in-person presence with digital tools. As of Q3 2025, the bank maintains 27 branches and 55 ATMs. The bank stated its focus is on 'deepening customer relationships' in H2 2025.

Digital resources available to customers include:

• Wire Transfers
• Order Checks
• Customer Feedback mechanism
• Financial Education-Beyond Basic Blog
• Calculators
• Infoline Telephone Access

The bank reported total assets of approximately $7.42 billion as of September 30, 2025. The efficiency ratio improved to 60.36% in Q2 2025.

Central Pacific Financial Corp. (CPF) - Canvas Business Model: Channels

You're looking at how Central Pacific Financial Corp. (CPF), through its primary subsidiary Central Pacific Bank, gets its services to its customers across the islands as of late 2025. It's a mix of the traditional brick-and-mortar presence that still matters in Hawaii, and the digital tools that keep pace with modern banking.

Physical branch network and ATM locations in Hawaii

The physical footprint remains concentrated in the state, which makes sense given the local focus. As of September 30, 2025, Central Pacific Bank operates a network designed to cover key areas across the islands.

Here's the quick math on the physical distribution:

Channel Component	Count as of September 30, 2025
Total Physical Branches in Hawaii	27
Total ATMs in Hawaii	55

What this estimate hides is the strategic placement; for instance, the bank recently consolidated a location, opening a new state-of-the-art Kahului Branch on Maui in September 2024, which is nearly 10,000 square feet, while closing the former West Kaahumanu Avenue location. Still, the overall network count held steady at 27 branches and 55 ATMs across the state as of the third quarter of 2025.

Robust online and mobile banking platforms

Central Pacific Financial Corp. has definitely pushed its digital capabilities, aiming for best-in-class technology with a human touch. They were the first bank in Hawaii to offer an online portal specifically for Small Business Administration (SBA) services. Plus, they launched Shaka Checking, which was Hawaii's first all-digital checking account, back in 2021.

You can expect the digital channels to support core functions:

• Manage all your accounts, including those at other institutions.
• Set budgets and monitor cash flow directly.
• Make person-to-person payments using Zelle.
• Open new checking, savings accounts, or apply for personal loans entirely online.
• Access enhanced functionality via smart ATMs, like withdrawing cash in various bill denominations.

Tidepools co-working space for local entrepreneurs

This is a clear channel for engaging the small business and entrepreneur segment, positioning Central Pacific Bank as a community partner beyond just lending. Tidepools is located in Downtown Honolulu at Central Pacific Plaza. It's designed to spark creativity and collaboration for small business owners and non-profit leaders.

Here are the specifics on using this community space:

Tidepools Feature	Detail/Limit
Total Workspace Size	Nearly 1000 square feet
Parking Validation	Two (2) hours at Central Pacific Plaza
Conference Room Reservations Limit	Maximum of three reservations per week
Open Seating/Phone Booths Access	First come, first serve basis

The conference rooms come equipped with teleconferencing capabilities, but remember, open seating and phone booths can't be reserved ahead of time. It's a free resource for any small business registered to do business in Hawaii who joins the CPB Rising Tide Community. That's a defintely smart way to build relationships with future commercial clients.

Dedicated investor relations and corporate website

For financial stakeholders and those tracking the company's performance-like keeping tabs on the Q3 2025 Total Assets of $7.42 billion-the dedicated investor portal is the primary source for official releases and webcasts. The bank is publicly traded on the NYSE under the symbol CPF.

The key digital access points are:

• Investor Relations Webcast/Documents: http://ir.cpb.bank
• General Corporate Website: http://www.cpb.bank

You can catch the latest earnings call replays, like the one for Q3 2025, available on the investor relations site until November 28, 2025. Finance: confirm the next quarterly earnings release date for Q4 2025 by end of January 2026.

Central Pacific Financial Corp. (CPF) - Canvas Business Model: Customer Segments

Central Pacific Financial Corp. (CPF) primarily serves customers within its core market, the State of Hawaii. The bank was originally founded in 1954 by Japanese-American veterans of World War II to specifically help immigrant families build a life away from the plantations.

The bank operates through Central Pacific Bank (CPB), its primary subsidiary, which maintains a physical presence across the Islands with 27 branches and 55 ATMs as of September 30, 2025.

The customer base is segmented across several key groups, reflecting the bank's community-focused, relationship-driven lending strategy.

• Hawaii-based families and individual consumers.
• Small and medium-sized businesses (SMBs) in Hawaii.
• Residential mortgage and commercial real estate borrowers.
• Businesses engaged in Hawaii-Japan and Hawaii-Korea trade.

For Hawaii-based families and individual consumers, the bank focuses on supporting homeownership and general financial needs. The consumer loan portfolio composition as of September 30, 2025, shows the following breakdown:

Consumer Segment Detail	Balance (Millions USD)	Percentage of Total Consumer Loans
Total Hawaii Consumer Loans	$223 million	Implied 47.7% of total consumer loans ($467M)
Hawaii Auto Loans	$151 million	32%
Hawaii Other Consumer Loans	$72 million	15%
Total Mainland Consumer Loans	$254 million	Implied 52.3% of total consumer loans ($467M)

The weighted average origination FICO score for Hawaii Consumer loans was 746 as of September 30, 2025.

For Small and Medium-sized Businesses (SMBs), Central Pacific Financial Corp. positions itself as a market leader in small business banking in Hawaii. A key indicator of this focus is its performance as an SBA Lender of the Year, having earned that designation 16 times in the Category II segment since 2004. The bank also launched its Business Express online loan portal to offer self-service credit application.

Residential mortgage and commercial real estate (CRE) borrowers form a significant portion of the loan book, with over 75% of the total loan portfolio secured by real estate as of September 30, 2025. Total loans stood at $5.37 billion at that date. The CRE portfolio composition as of September 30, 2025, is detailed below:

CRE Property Type	Percentage of Total CRE Portfolio	Percentage of Total CPF Loans
Industrial/Warehouse	30%	Implied 15.8% of total loans
Retail	17%	5%
Apartment	21%	4%
Office	14%	Implied 7.4% of total loans
Hotel	10%	Implied 5.3% of total loans
Owner-Occupied CRE	23%	Implied 12.1% of total loans
Investor CRE	77%	$1.3 billion

Geographically, the CRE portfolio is heavily concentrated in Hawaii, making up 73% ($1.2B) of the CRE book, with the remaining 27% ($0.4B) in mainland markets. The weighted average Loan-to-Value (LTV) for Hawaii CRE is 60%, and for Mainland CRE, it is 57%.

The segment focused on businesses engaged in Hawaii-Japan and Hawaii-Korea trade is supported by specific international banking relationships. Central Pacific Bank has strong connections with Japan, offering deposit products and two-way referrals. Furthermore, a new partnership with Kyoto Shinkin Bank was announced to deepen Hawaii-Japan business ties and expand international reach. The bank also has established key alliances with Hokuyo Bank and Tokyo Star Bank.

The overall deposit base, which funds these customer segments, totaled $6.58 billion as of September 30, 2025. Core deposits, which include demand, savings, and money market deposits up to $250,000, were $5.98 billion at that date.

Central Pacific Financial Corp. (CPF) - Canvas Business Model: Cost Structure

You're looking at the core expenses Central Pacific Financial Corp. (CPF) has to cover to keep the lights on and the bank running in late 2025. For a bank, the cost structure is dominated by the cost of money-what they pay depositors-and the cost of running the physical and digital infrastructure.

The most significant cost component, the interest paid out to secure funding, is directly tied to the deposit base. As of the end of the third quarter of 2025, Central Pacific Financial Corp. was managing total deposits of approximately $6.58 billion. The corresponding Interest Expense on this funding base is a critical, though not explicitly detailed in the latest public snippets, cost to factor in for your analysis.

Beyond interest, the non-interest operating costs are substantial. For the third quarter of 2025, the reported Other Operating Expenses totaled $47.0 million. This aggregate figure covers everything from salaries to the cost of running the 27 branches and the digital platforms.

Here's a look at the key cost drivers and known figures:

• Personnel expenses and branch operational costs are bundled within the overall operating expenses.
• Other operating expenses for Q3 2025 were $47.0 million.
• Technology and digital platform maintenance costs are a growing part of that operating expense base.

To give you a sense of the components making up these operational costs, we can look at the previous quarter's (Q2 2025) details, which show the nature of these expenditures. Remember, these are Q2 numbers, but they illustrate where the Q3 $47.0 million figure comes from:

Expense Component Type	Q2 2025 Reported Amount (Partial Data)
Salaries and Employee Benefits (Portion of Personnel)	Increased by $0.9 million from Q1 2025
Computer Software Expense (Portion of Technology)	Increased by $0.6 million from Q1 2025
Directors' Deferred Compensation (Portion of Other)	$0.5 million

The cost of maintaining the physical footprint-the 27 branches and 55 ATMs across Hawaii-is embedded in the personnel and branch operational costs, which contribute to the overall $47.0 million in Q3 2025 non-interest expenses. The bank is definitely managing the trade-off between maintaining this physical presence and investing in digital platforms.

Here's a summary of the hard numbers we have for the cost structure components:

Cost Element	Latest Real-Life Financial Number
Total Deposits (Funding Base for Interest Expense)	$6,577,684 thousand (Q3 2025)
Interest Expense on Total Deposits (Required Input)	$6.58 billion (Base for calculation)
Total Other Operating Expenses (Non-Interest)	$47.0 million (Q3 2025)
Net Income (Context for Expense Absorption)	$18.6 million (Q3 2025)

Finance: draft 13-week cash view by Friday.

Central Pacific Financial Corp. (CPF) - Canvas Business Model: Revenue Streams

The primary engine for Central Pacific Financial Corp. revenue generation remains the spread between interest earned on its assets and interest paid on its liabilities, which is the Net Interest Income (NII). This is the core of the business, derived from its substantial loan portfolio and investment securities.

For the third quarter of 2025, Central Pacific Financial Corp. reported its Net Interest Income (NII) totaled $61.3 million. This performance was supported by total loans reaching $5.37 billion and total deposits standing at $6.58 billion as of September 30, 2025. The net interest margin (NIM) for the quarter expanded by 5 basis points, reaching 3.49%, which shows improved profitability on the interest-earning assets. Looking ahead, management provided guidance for the fourth quarter of 2025, expecting NII to rise further, projected to be between $62 million and $63 million.

Here's a quick look at some key financial metrics from the Q3 2025 report:

Metric	Amount / Value
Total Assets (as of 9/30/2025)	$7.421 billion
Total Loans (as of 9/30/2025)	$5.37 billion
Total Deposits (as of 9/30/2025)	$6.58 billion
Net Interest Margin (NIM)	3.49%
Reported Total Revenue (Q3 2025)	$74.81 million

Beyond the interest income, Other Operating Income, which captures non-interest revenue sources, is a significant component. For the third quarter of 2025, this stream was $13.5 million. This figure, when combined with the reported NII of $61.3 million, aligns closely with the total reported revenue of $74.81 million for the period.

This non-interest income is generated through various client services Central Pacific Financial Corp. provides across its 27 branches in Hawaii. You can expect revenue from:

• Service charges on deposit accounts.
• Fees associated with various transactional services.
• Income from Investment services.
• Revenue generated from Foreign Exchange transactions.

The bank also noted a strategic partnership with The Kyoto Shinkin Bank, which is anticipated to enhance business development opportunities, potentially feeding into future fee and service revenue streams. Central Pacific Financial Corp. continues to manage risk with discipline, which supports the stability of these revenue-generating activities.