Central Pacific Financial Corp. (CPF): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Central Pacific Financial Corp. (CPF), une puissance bancaire dynamique profondément enracinée dans le paysage économique hawaïen. Cette toile complète du modèle commercial révèle comment CPF transforme les services bancaires régionaux en mélangeant des technologies numériques innovantes, des solutions financières personnalisées et un engagement profond envers le développement communautaire local. Des services de prêt sur mesure aux plates-formes numériques de pointe, l'approche unique de CPF montre comment une banque régionale peut créer une valeur exceptionnelle en comprenant et en répondant aux besoins distincts des entreprises et des consommateurs hawaïens.

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: partenariats clés

Réseaux commerciaux hawaïens locaux et organisations communautaires

En 2024, Central Pacific Financial Corp. maintient des partenariats stratégiques avec:

Type d'organisation	Nombre de partenariats actifs	Valeur de collaboration annuelle
Chambre de commerce d'Hawaï	7	1,2 million de dollars
Associations d'entreprises locales	12	$850,000
Organisations de développement communautaire	5	$450,000

Promoteurs immobiliers commerciaux à Hawaï

Détails du partenariat clé avec les promoteurs immobiliers:

• Nombre total de partenariats des développeurs: 18
• Portfolio total de prêts commerciaux: 324 millions de dollars
• Taille moyenne du prêt: 18 millions de dollars

Provideurs de services financiers de petite à moyenne taille (PME)

Catégorie de partenariat	Nombre de partenaires	Volume total de prêts aux PME
Services financiers PME locaux	22	215 millions de dollars
Partenaires de conseil aux entreprises	9	75 millions de dollars

Technologie bancaire stratégique et partenaires de plate-forme numérique

Métriques de partenariat technologique:

• Nombre de partenaires technologiques: 6
• Investissement technologique annuel: 7,3 millions de dollars
• Volume de transaction de la plate-forme bancaire numérique: 2,4 millions de transactions

Partenaire technologique	Focus de partenariat	Investissement annuel de collaboration
Finerv	Systèmes bancaires de base	2,1 millions de dollars
Jack Henry	Solutions bancaires numériques	1,5 million de dollars
FIS Global	Traitement des paiements	1,2 million de dollars

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Central Pacific Financial Corp. a déclaré un actif total de 6,2 milliards de dollars. La banque exploite 35 succursales à Hawaï, en se concentrant sur les services bancaires commerciaux et de détail.

Catégorie de service	Volume total (2023)	Part de marché
Banque commerciale	2,8 milliards de dollars	15,6% à Hawaï
Banque de détail	1,5 milliard de dollars	12,3% à Hawaï

Prêts aux entreprises et aux consommateurs

En 2023, le portefeuille de prêts de CPF a démontré des performances significatives:

• Prêts commerciaux totaux: 1,9 milliard de dollars
• Total des prêts à la consommation: 1,2 milliard de dollars
• Croissance nette des prêts: 6,4% en glissement annuel

Segment de prêt	Taille moyenne du prêt	Taux par défaut
Prêts commerciaux	$475,000	1.2%
Prêts à la consommation	$85,000	2.1%

Gestion des produits de dépôt et d'investissement

CPF a géré des dépôts totaux de 5,4 milliards de dollars en 2023, avec diverses offres de produits.

Dépôt de dépôt	Volume total	Taux d'intérêt moyen
Comptes chèques	1,6 milliard de dollars	0.25%
Comptes d'épargne	1,2 milliard de dollars	0.40%
Comptes d'investissement	650 millions de dollars	2.15%

Développement de la plate-forme bancaire numérique

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 125 000
• Volume de transactions en ligne: 3,2 millions de transactions
• Investissement de plate-forme numérique: 12,5 millions de dollars

Gestion des risques et services de conseil financier

Performance de gestion des risques en 2023:

Métrique à risque	Valeur
Réserves de perte de prêt	82 millions de dollars
Budget de gestion des risques	15,3 millions de dollars
Personnel de conformité	62 professionnels

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: Ressources clés

Forte infrastructure bancaire régionale à Hawaï

Depuis le quatrième trimestre 2023, Central Pacific Financial Corp. maintient 35 succursales à service complet à Hawaï. Le total des actifs déclarés était de 5,37 milliards de dollars. Valeur du portefeuille de prêts nets: 4,01 milliards de dollars.

Réseau de succursale	Couverture géographique	Taille
35 branches	Principalement les îles hawaïennes	5,37 milliards de dollars

Équipe de gestion financière expérimentée

Composition du leadership à partir de 2024:

• Pureur exécutif moyen: 12,5 ans
• Membres de la suite C avec une expérience bancaire: 7 professionnels
• Expérience bancaire combinée: 95 ans

Technologie bancaire numérique robuste

Métriques de la plate-forme bancaire numérique:

Utilisateurs de la banque en ligne	Téléchargements d'applications bancaires mobiles	Volume de transaction numérique
127 500 utilisateurs actifs	86 300 téléchargements	3,2 millions de transactions mensuelles

Relations clients établies

Statistiques de la base de clients:

• Comptes clients totaux: 218 600
• Clients bancaires au détail: 163 000
• Clients bancaires commerciaux: 5 600

Capacités complètes de service financier

Répartition du portefeuille de services:

Catégorie de service	Contribution des revenus
Prêts commerciaux	42% des revenus totaux
Banque personnelle	33% des revenus totaux
Gestion de la richesse	15% des revenus totaux
Autres services financiers	10% des revenus totaux

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les consommateurs hawaïens

Au quatrième trimestre 2023, Central Pacific Financial Corp. a déclaré un actif total de 5,37 milliards de dollars, avec un portefeuille de prêts de 4,16 milliards de dollars ciblant spécifiquement les entreprises et les consommateurs hawaïens.

Catégorie de produits	Valeur totale	Pénétration du marché
Prêts commerciaux	2,43 milliards de dollars	57,4% du marché régional
Prêts à la consommation	1,73 milliard de dollars	46,2% du marché régional

Expertise du marché local et services financiers axés sur la communauté

CPF maintient 35 succursales à travers Hawaï, desservant environ 125 000 clients avec des solutions financières localisées.

• Taille moyenne du prêt pour les petites entreprises: 247 000 $
• Fonds de réinvestissement communautaire: 58,6 millions de dollars en 2023
• Emploi local: 687 employés à temps plein à Hawaï

Taux de prêt compétitifs pour les entreprises régionales

En décembre 2023, CPF a offert les taux de prêt compétitifs suivants:

Type de prêt	Fourchette de taux d'intérêt	Terme de prêt
Prêts aux petites entreprises	6.25% - 9.75%	1 à 7 ans
Immobilier commercial	5.50% - 7.25%	5-20 ans

Expériences bancaires numériques et traditionnelles intégrées

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 78 500
• Volume de transaction en ligne: 2,3 millions par mois
• Revenus bancaires numériques: 42,3 millions de dollars

Produits financiers personnalisés pour des besoins économiques régionaux spécifiques

Répartition spécialisée du portefeuille de produits pour 2023:

Type de produit	Valeur totale du portefeuille	Taux de croissance
Prêts du secteur du tourisme	687 millions de dollars	12.4%
Prêts agricoles	213 millions de dollars	7.6%
Financement des énergies renouvelables	156 millions de dollars	18.2%

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: relations avec les clients

Approche bancaire basée sur les relations

Depuis le quatrième trimestre 2023, Central Pacific Financial Corp. a maintenu 35 succursales principalement à Hawaï, desservant environ 124 000 comptes clients. L'approche basée sur les relations de la Banque s'est concentrée sur les services financiers personnalisés avec un taux moyen de rétention de la clientèle de 87,4%.

Segment de clientèle	Comptes totaux	Durée moyenne des relations
Banque personnelle	89,600	6,3 ans
Banque d'affaires	34,400	5,7 ans

Consultations bancaires personnelles

CPF fourni gestionnaires de relations dédiées Pour les clients avec des soldes de compte dépassant 250 000 $. En 2023, environ 22 300 clients à forte valeur haute ont reçu des services de consultation financière personnalisés.

• Temps de consultation moyen: 45 minutes
• Fréquence de consultation: trimestriellement pour les clients de grande valeur
• Disponibilité de la planification numérique: 24/7

Canaux de support client numérique

Les mesures de support numérique pour 2023 ont révélé:

Canal	Interactions mensuelles	Temps de réponse moyen
Prise en charge de l'application mobile	78,500	12 minutes
Chat en ligne	42,300	8 minutes
Support téléphonique	55,200	15 minutes

Engagement communautaire et réseautage local

CPF a investi 1,2 million de dollars dans des programmes d'engagement communautaire locaux à Hawaï en 2023, soutenant 87 événements locaux et organisations à but non lucratif.

• Commandites commerciales locales: 42
• Ateliers d'éducation financière communautaire: 24
• Total des participants aux programmes communautaires: 6 750

Services de conseil financier personnalisés

Répartition des services de conseil spécialisés pour 2023:

Service consultatif	Total des clients	Valeur de portefeuille moyenne
Planification de la retraite	16,500	$475,000
Gestion des investissements	11,200	$680,000
Stratégie de transfert de richesse	5,300	$1,200,000

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: canaux

Réseau de succursale physique à Hawaï

En 2024, Central Pacific Financial Corp. maintient 35 immeubles physiques à travers les îles hawaïennes.

Île	Nombre de branches
Oahu	24
Hawaï (grande île)	5
Maudi	4
Kauai	2

Plateforme bancaire en ligne

La plate-forme bancaire numérique dessert environ 78 500 utilisateurs bancaires en ligne actifs au T2 2023.

• Les fonctionnalités de la plate-forme incluent la gestion des comptes
• Services de paiement de factures
• Transferts de fonds
• Historique des transactions

Application bancaire mobile

L'application bancaire mobile de CPF compte 62 300 utilisateurs mensuels actifs en 2024.

Plate-forme	Téléchargements d'applications
Apple App Store	42,500
Google Play Store	38,200

Centres d'appels de service client

Central Pacific Financial exploite deux principaux centres de service à la clientèle.

• Volume moyen des appels: 12 500 appels par mois
• Temps de réponse moyen: 3,2 minutes
• Représentants du service à la clientèle: 85 membres du personnel

Plateformes de communication numérique

Les canaux de fiançailles numériques comprennent plusieurs plateformes.

Plate-forme	Nombre de suiveurs
Liendin	4,200
Facebook	7,800
Gazouillement	3,500

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: segments de clientèle

Busines hawaïennes de petite à moyenne

Depuis le quatrième trimestre 2023, Central Pacific Financial Corp. dessert environ 12 500 petites et moyennes entreprises à Hawaï. Portfolio total de prêts commerciaux pour ce segment: 687,3 millions de dollars.

Segment d'entreprise	Nombre de clients	Valeur totale du prêt
Commerces de détail	4,750	245,6 millions de dollars
Entreprises de services	3,900	203,4 millions de dollars
Services professionnels	2,850	238,3 millions de dollars

Consommateurs individuels locaux

Le segment de la banque de consommation comprend 89 400 titulaires de compte individuel à Hawaï. Actifs bancaires personnels totaux: 2,1 milliards de dollars.

• Comptes de chèques personnels: 62 300
• Comptes d'épargne personnels: 47 500
• Clients de prêt personnel: 22,600

Investisseurs immobiliers commerciaux

Portefeuille de prêts immobiliers commerciaux: 1,45 milliard de dollars sur 620 clients des investisseurs actifs.

Type de propriété	Nombre d'investisseurs	Valeur d'investissement totale
Immobilier résidentiel	280	612,7 millions de dollars
Propriétés commerciales	215	528,3 millions de dollars
Propriétés à usage mixte	125	309,0 millions de dollars

Professionnels de l'industrie agricole et touristique

Prêt spécialisé pour les secteurs de l'agriculture et du tourisme: 412,6 millions de dollars chez 350 clients.

• Entreprises agricoles: 210 clients
• Entreprises liées au tourisme: 140 clients

Clients bancaires personnels et commerciaux à Hawaï

Base de clientèle totale: 127 500 clients bancaires personnels et commerciaux. Total des actifs sous gestion: 4,3 milliards de dollars.

Catégorie client	Nombre de clients	Actifs bancaires totaux
Banque personnelle	89,400	2,1 milliards de dollars
Banque d'affaires	38,100	2,2 milliards de dollars

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

En 2023, le rapport financier, Central Pacific Financial Corp., a maintenu 35 succursales totales à Hawaï. Les dépenses opérationnelles annuelles ont totalisé 24,3 millions de dollars, ce qui comprend:

Catégorie de dépenses	Coût annuel
Entretien de loyer et d'installation	8,7 millions de dollars
Services publics	3,2 millions de dollars
Fournitures de bureau	1,5 million de dollars

Maintenance des infrastructures technologiques

Les coûts d'infrastructure technologique pour 2023 étaient de 12,6 millions de dollars, englobant:

• Mises à niveau des systèmes informatiques: 5,4 millions de dollars
• Investissements en cybersécurité: 3,2 millions de dollars
• Licence de logiciel: 2,7 millions de dollars
• Maintenance du réseau: 1,3 million de dollars

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 ont atteint 87,4 millions de dollars:

Catégorie de compensation	Montant
Salaires de base	62,3 millions de dollars
Assurance maladie	9,6 millions de dollars
Prestations de retraite	8,5 millions de dollars	Bonus et incitations	7,0 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 ont totalisé 6,8 millions de dollars:

• Services de conseil juridique: 3,2 millions de dollars
• Audit et rapport: 2,1 millions de dollars
• Frais de dépôt réglementaire: 1,5 million de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing en 2023 s'élevaient à 5,9 millions de dollars:

Canal de marketing	Dépenses
Publicité numérique	2,4 millions de dollars
Médias traditionnels	1,7 million de dollars
Parrainages communautaires	1,2 million de dollars
Programmes d'acquisition de clients	$600,000

Central Pacific Financial Corp. (CPF) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, Central Pacific Financial Corp. a déclaré un revenu net d'intérêts de 251,4 millions de dollars. La répartition du portefeuille de prêts est la suivante:

Catégorie de prêt	Solde total
Immobilier commercial	3,89 milliards de dollars
Commercial & Industriel	1,02 milliard de dollars
Prêts à la consommation	612 millions de dollars
Hypothèque résidentielle	1,47 milliard de dollars

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 47,3 millions de dollars, avec la distribution suivante:

• Frais de service de compte de dépôt: 22,1 millions de dollars
• Frais de transaction ATM et carte de débit: 12,6 millions de dollars
• Autres frais de service bancaire: 12,6 millions de dollars

Revenus de prêts commerciaux et de consommateurs

Les prêts commerciaux ont généré 89,7 millions de dollars de revenus, avec des segments clés:

Segment de prêt	Revenu
Prêts commerciaux	62,3 millions de dollars
Prêts aux petites entreprises	27,4 millions de dollars

Frais de transaction bancaire numérique

Les revenus bancaires numériques ont atteint 18,5 millions de dollars en 2023:

• Transactions bancaires en ligne: 8,7 millions de dollars
• Transactions bancaires mobiles: 9,8 millions de dollars

Services d'investissement et de gestion de la patrimoine

Répartition des revenus des services d'investissement pour 2023:

Catégorie de service	Revenu
Frais de gestion des actifs	24,6 millions de dollars
Avis de gestion de la patrimoine	16,2 millions de dollars
Services de courtage	11,3 millions de dollars

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.