Central Pacific Financial Corp. (CPF): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el modelo estratégico de Central Pacific Financial Corp. (CPF), una potencia bancaria dinámica profundamente arraigada en el panorama económico hawaiano. Este lienzo de modelo comercial integral revela cómo CPF transforma la banca regional al combinar tecnologías digitales innovadoras, soluciones financieras personalizadas y un profundo compromiso con el desarrollo de la comunidad local. Desde servicios de préstamos personalizados hasta plataformas digitales de vanguardia, el enfoque único de CPF demuestra cómo un banco regional puede crear un valor excepcional al comprender y satisfacer las distintas necesidades de las empresas y los consumidores hawaianos.

Central Pacific Financial Corp. (CPF) - Modelo de negocios: asociaciones clave

Redes comerciales y organizaciones comunitarias de hawaianas locales

A partir de 2024, Central Pacific Financial Corp. mantiene asociaciones estratégicas con:

Tipo de organización	Número de asociaciones activas	Valor de colaboración anual
Cámara de Comercio de Hawaii	7	$ 1.2 millones
Asociaciones comerciales locales	12	$850,000
Organizaciones de desarrollo comunitario	5	$450,000

Desarrolladores de bienes raíces comerciales en Hawaii

Detalles clave de la asociación con desarrolladores inmobiliarios:

• Número total de asociaciones de desarrolladores: 18
• Cartera total de préstamos comerciales: $ 324 millones
• Tamaño promedio del préstamo: $ 18 millones

Proveedores de servicios financieros pequeños a medianos de tamaño mediano (PYME)

Categoría de asociación	Número de socios	Volumen total de préstamos de PYME
Servicios financieros de PYME locales	22	$ 215 millones
Socios de consultoría de negocios	9	$ 75 millones

Tecnología bancaria estratégica y socios de plataforma digital

Métricas de asociación tecnológica:

• Número de socios tecnológicos: 6
• Inversión tecnológica anual: $ 7.3 millones
• Volumen de transacción de la plataforma de banca digital: 2.4 millones de transacciones

Socio tecnológico	Enfoque de asociación	Inversión de colaboración anual
Fiserv	Sistemas bancarios centrales	$ 2.1 millones
Jack Henry	Soluciones de banca digital	$ 1.5 millones
FIS Global	Procesamiento de pagos	$ 1.2 millones

Central Pacific Financial Corp. (CPF) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Central Pacific Financial Corp. reportó activos totales de $ 6.2 mil millones. El banco opera 35 sucursales en Hawai, enfocándose en servicios de banca comercial y minorista.

Categoría de servicio	Volumen total (2023)	Cuota de mercado
Banca comercial	$ 2.8 mil millones	15.6% en Hawaii
Banca minorista	$ 1.5 mil millones	12.3% en Hawaii

Préstamos para negocios y consumidores

En 2023, la cartera de préstamos de CPF demostró un rendimiento significativo:

• Préstamos comerciales totales: $ 1.9 mil millones
• Préstamos totales de consumo: $ 1.2 mil millones
• Crecimiento de préstamos netos: 6.4% año tras año

Segmento de préstamos	Tamaño promedio del préstamo	Tasa de incumplimiento
Préstamo comercial	$475,000	1.2%
Préstamo de consumo	$85,000	2.1%

Gestión de productos de depósito e inversión

CPF administró depósitos totales de $ 5.4 mil millones en 2023, con diversas ofertas de productos.

Producto de depósito	Volumen total	Tasa de interés promedio
Cuentas corrientes	$ 1.6 mil millones	0.25%
Cuentas de ahorro	$ 1.2 mil millones	0.40%
Cuentas de inversión	$ 650 millones	2.15%

Desarrollo de la plataforma de banca digital

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 125,000
• Volumen de transacciones en línea: 3.2 millones de transacciones
• Inversión de plataforma digital: $ 12.5 millones

Gestión de riesgos y servicios de asesoramiento financiero

Rendimiento de gestión de riesgos en 2023:

Métrico de riesgo	Valor
Reservas de pérdida de préstamos	$ 82 millones
Presupuesto de gestión de riesgos	$ 15.3 millones
Personal de cumplimiento	62 profesionales

Central Pacific Financial Corp. (CPF) - Modelo de negocio: recursos clave

Infraestructura bancaria regional fuerte en Hawai

A partir del cuarto trimestre de 2023, Central Pacific Financial Corp. mantiene 35 sucursales de servicio completo en Hawai. Los activos totales informados fueron de $ 5.37 mil millones. Valor de la cartera de préstamos netos: $ 4.01 mil millones.

Red de sucursales	Cobertura geográfica	Tamaño de activo
35 ramas	Principalmente islas hawaianas	$ 5.37 mil millones

Equipo experimentado de gestión financiera

Composición de liderazgo a partir de 2024:

• Promedio de tenencia ejecutiva: 12.5 años
• Miembros de C-suite con experiencia bancaria: 7 profesionales
• Experiencia bancaria combinada: 95 años

Tecnología de banca digital robusta

Métricas de plataforma de banca digital:

Usuarios bancarios en línea	Descargas de aplicaciones de banca móvil	Volumen de transacción digital
127,500 usuarios activos	86,300 descargas	3.2 millones de transacciones mensuales

Relaciones establecidas de clientes

Estadísticas de la base de clientes:

• Cuentas totales de clientes: 218,600
• Clientes de banca minorista: 163,000
• Clientes de banca comercial: 5,600

Capacidades integrales de servicio financiero

Desglose de la cartera de servicios:

Categoría de servicio	Contribución de ingresos
Préstamo comercial	42% de los ingresos totales
Banca personal	33% de los ingresos totales
Gestión de patrimonio	15% de los ingresos totales
Otros servicios financieros	10% de los ingresos totales

Central Pacific Financial Corp. (CPF) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas y consumidores hawaianos

A partir del cuarto trimestre de 2023, Central Pacific Financial Corp. reportó activos totales de $ 5.37 mil millones, con una cartera de préstamos de $ 4.16 mil millones dirigidos específicamente a empresas y consumidores hawaianos.

Categoría de productos	Valor total	Penetración del mercado
Préstamos comerciales	$ 2.43 mil millones	57.4% del mercado regional
Préstamos al consumo	$ 1.73 mil millones	46.2% del mercado regional

Experiencia en el mercado local y servicios financieros centrados en la comunidad

CPF mantiene 35 ubicaciones de sucursales en Hawai, atendiendo a aproximadamente 125,000 clientes con soluciones financieras localizadas.

• Tamaño promedio del préstamo para pequeñas empresas: $ 247,000
• Fondos de reinversión comunitaria: $ 58.6 millones en 2023
• Empleo local: 687 empleados a tiempo completo en Hawaii

Tasas de préstamos competitivos para empresas regionales

A diciembre de 2023, CPF ofreció las siguientes tarifas de préstamos competitivos:

Tipo de préstamo	Rango de tasas de interés	Plazo de préstamo
Préstamos para pequeñas empresas	6.25% - 9.75%	1-7 años
Inmobiliario comercial	5.50% - 7.25%	5-20 años

Experiencias bancarias digitales y tradicionales integradas

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 78,500
• Volumen de transacciones en línea: 2.3 millones mensuales
• Ingresos bancarios digitales: $ 42.3 millones

Productos financieros personalizados para necesidades económicas regionales específicas

Desglose de cartera de productos especializado para 2023:

Tipo de producto	Valor total de la cartera	Índice de crecimiento
Préstamos del sector turístico	$ 687 millones	12.4%
Préstamos agrícolas	$ 213 millones	7.6%
Financiación de energía renovable	$ 156 millones	18.2%

Central Pacific Financial Corp. (CPF) - Modelo comercial: relaciones con los clientes

Enfoque bancario basado en relaciones

A partir del cuarto trimestre de 2023, Central Pacific Financial Corp. mantuvo 35 ubicaciones de sucursales principalmente en Hawai, atendiendo a aproximadamente 124,000 cuentas de clientes. El enfoque basado en la relación del banco se centró en servicios financieros personalizados con una tasa de retención de clientes promedio del 87.4%.

Segmento de clientes	Cuentas totales	Duración de la relación promedio
Banca personal	89,600	6.3 años
Banca de negocios	34,400	5.7 años

Consultas bancarias personales

CPF proporcionado Gerentes de relaciones dedicadas para clientes con saldos de cuenta superiores a $ 250,000. En 2023, aproximadamente 22,300 clientes de alto patrimonio neto recibieron servicios de consulta financiera personalizada.

• Tiempo de consulta promedio: 45 minutos
• Frecuencia de consulta: trimestralmente para clientes de alto valor
• Disponibilidad de programación digital: 24/7

Canales de atención al cliente digital

Métricas de soporte digital para 2023 reveladas:

Canal	Interacciones mensuales	Tiempo de respuesta promedio
Soporte de aplicaciones móviles	78,500	12 minutos
Chat en línea	42,300	8 minutos
Soporte telefónico	55,200	15 minutos

Compromiso comunitario y redes locales

CPF invirtió $ 1.2 millones en programas de participación de la comunidad local en Hawaii en 2023, apoyando a 87 eventos locales y organizaciones sin fines de lucro.

• Patrocinios comerciales locales: 42
• Talleres de educación financiera comunitaria: 24
• Total participantes en programas comunitarios: 6.750

Servicios de asesoramiento financiero personalizados

Desglose de servicios de asesoramiento especializado para 2023:

Servicio de asesoramiento	Total de clientes	Valor de cartera promedio
Planificación de jubilación	16,500	$475,000
Gestión de inversiones	11,200	$680,000
Estrategia de transferencia de patrimonio	5,300	$1,200,000

Central Pacific Financial Corp. (CPF) - Modelo de negocio: canales

Red de sucursales físicas en Hawaii

A partir de 2024, Central Pacific Financial Corp. mantiene 35 ubicaciones de sucursales físicas en las islas hawaianas.

Isla	Número de ramas
Oahu	24
Hawai (isla grande)	5
Maui	4
Kauai	2

Plataforma bancaria en línea

La plataforma de banca digital atiende a aproximadamente 78,500 usuarios de banca en línea activa a partir del cuarto trimestre de 2023.

• Las características de la plataforma incluyen administración de cuentas
• Servicios de pago de facturas
• Transferencias de fondos
• Historial de transacciones

Aplicación de banca móvil

La aplicación de banca móvil de CPF tiene 62,300 usuarios mensuales activos en 2024.

Plataforma	Descargas de aplicaciones
Apple App Store	42,500
Google Play Store	38,200

Centros de llamadas de servicio al cliente

Central Pacific Financial opera dos centros de servicio al cliente primarios.

• Volumen promedio de llamadas: 12,500 llamadas por mes
• Tiempo de respuesta promedio: 3.2 minutos
• Representantes de servicio al cliente: 85 miembros del personal

Plataformas de comunicación digital

Los canales de participación digital incluyen múltiples plataformas.

Plataforma	Recuento de seguidores
LinkedIn	4,200
Facebook	7,800
Gorjeo	3,500

Central Pacific Financial Corp. (CPF) - Modelo de negocio: segmentos de clientes

Empresas hawaianas pequeñas a medianas

A partir del cuarto trimestre de 2023, Central Pacific Financial Corp. atiende a aproximadamente 12.500 empresas pequeñas a medianas en Hawai. Cartera total de préstamos comerciales para este segmento: $ 687.3 millones.

Segmento de negocios	Número de clientes	Valor total del préstamo
Negocios minoristas	4,750	$ 245.6 millones
Empresas de servicios	3,900	$ 203.4 millones
Servicios profesionales	2,850	$ 238.3 millones

Consumidores individuales locales

El segmento de banca de consumo incluye 89,400 titulares de cuentas individuales en Hawai. Activos bancarios personales totales: $ 2.1 mil millones.

• Cuentas corrientes personales: 62,300
• Cuentas de ahorro personal: 47,500
• Clientes de préstamos personales: 22,600

Inversores inmobiliarios comerciales

Portafolio de préstamos inmobiliarios comerciales: $ 1.45 mil millones en 620 clientes activos de inversores.

Tipo de propiedad	Número de inversores	Valor de inversión total
Inmobiliario residencial	280	$ 612.7 millones
Propiedades comerciales	215	$ 528.3 millones
Propiedades de uso mixto	125	$ 309.0 millones

Profesionales de la industria agrícola y turística

Préstamos especializados para sectores de agricultura y turismo: $ 412.6 millones en 350 clientes.

• Negocios agrícolas: 210 clientes
• Negocios relacionados con el turismo: 140 clientes

Clientes de banca personal y de negocios en Hawaii

Base de clientes totales: 127,500 clientes de banca personal y comercial. Activos totales bajo administración: $ 4.3 mil millones.

Categoría de clientes	Número de clientes	Activos bancarios totales
Banca personal	89,400	$ 2.1 mil millones
Banca de negocios	38,100	$ 2.2 mil millones

Central Pacific Financial Corp. (CPF) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir del informe financiero de 2023, Central Pacific Financial Corp. mantuvo 35 sucursales totales en Hawai. Los gastos operativos de la sucursal anual totalizaron $ 24.3 millones, lo que incluye:

Categoría de gastos	Costo anual
Mantenimiento de alquiler y de instalaciones	$ 8.7 millones
Utilidades	$ 3.2 millones
Material de oficina	$ 1.5 millones

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para 2023 fueron de $ 12.6 millones, que abarcaban:

• Actualizaciones de sistemas de TI: $ 5.4 millones
• Inversiones de ciberseguridad: $ 3.2 millones
• Licencias de software: $ 2.7 millones
• Mantenimiento de la red: $ 1.3 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 alcanzaron $ 87.4 millones:

Categoría de compensación	Cantidad
Salarios base	$ 62.3 millones
Seguro médico	$ 9.6 millones
Beneficios de jubilación	$ 8.5 millones	Bonificaciones e incentivos	$ 7.0 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 totalizaron $ 6.8 millones:

• Servicios de asesoramiento legal: $ 3.2 millones
• Auditoría e informes: $ 2.1 millones
• Tarifas de presentación regulatoria: $ 1.5 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing en 2023 ascendieron a $ 5.9 millones:

Canal de marketing	Gasto
Publicidad digital	$ 2.4 millones
Medios tradicionales	$ 1.7 millones
Patrocinios comunitarios	$ 1.2 millones
Programas de adquisición de clientes	$600,000

Central Pacific Financial Corp. (CPF) - Modelo comercial: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, Central Pacific Financial Corp. reportó ingresos por intereses netos de $ 251.4 millones. El desglose de la cartera de préstamos es el siguiente:

Categoría de préstamo	Saldo total
Inmobiliario comercial	$ 3.89 mil millones
Comercial & Industrial	$ 1.02 mil millones
Préstamos al consumo	$ 612 millones
Hipoteca residencial	$ 1.47 mil millones

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 47.3 millones, con la siguiente distribución:

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 22.1 millones
• Tarifas de transacción de la tarjeta de débito y de la tarjeta de débito: $ 12.6 millones
• Otras tarifas de servicio bancario: $ 12.6 millones

Ingresos de préstamos comerciales y de consumo

Los préstamos comerciales generaron $ 89.7 millones en ingresos, con segmentos clave:

Segmento de préstamos	Ganancia
Préstamos comerciales	$ 62.3 millones
Préstamos para pequeñas empresas	$ 27.4 millones

Tarifas de transacción bancaria digital

Los ingresos de la banca digital alcanzaron los $ 18.5 millones en 2023:

• Transacciones bancarias en línea: $ 8.7 millones
• Transacciones de banca móvil: $ 9.8 millones

Servicios de inversión y gestión de patrimonio

Desglose de ingresos de servicios de inversión para 2023:

Categoría de servicio	Ganancia
Tarifas de gestión de activos	$ 24.6 millones
Aviso de gestión de patrimonio	$ 16.2 millones
Servicios de corretaje	$ 11.3 millones

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.