Central Pacific Financial Corp. (CPF): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Central Pacific Financial Corp. (CPF), uma potência bancária dinâmica profundamente enraizada no cenário econômico havaiano. Esse modelo abrangente de negócios revela como o CPF transforma o banco regional, misturando tecnologias digitais inovadoras, soluções financeiras personalizadas e um profundo compromisso com o desenvolvimento da comunidade local. Desde serviços de empréstimos personalizados até plataformas digitais de ponta, a abordagem exclusiva da CPF demonstra como um banco regional pode criar um valor excepcional, entendendo e atendendo às necessidades distintas dos negócios e consumidores havaianos.

Central Pacific Financial Corp. (CPF) - Modelo de negócios: Parcerias -chave

Redes de negócios havaianas locais e organizações comunitárias

A partir de 2024, a Central Pacific Financial Corp. mantém parcerias estratégicas com:

Tipo de organização	Número de parcerias ativas	Valor anual de colaboração
Câmara de Comércio do Havaí	7	US $ 1,2 milhão
Associações comerciais locais	12	$850,000
Organizações de desenvolvimento comunitário	5	$450,000

Promotores imobiliários comerciais no Havaí

Detalhes da parceria -chave com desenvolvedores imobiliários:

• Número total de parcerias de desenvolvedores: 18
• Portfólio de empréstimos comerciais totais: US $ 324 milhões
• Tamanho médio do empréstimo: US $ 18 milhões

Provedores de serviços financeiros pequenos a médios (PME)

Categoria de parceria	Número de parceiros	Volume total de empréstimos para PME
Serviços Financeiros Locais de PME	22	US $ 215 milhões
Parceiros de consultoria de negócios	9	US $ 75 milhões

Tecnologia bancária estratégica e parceiros de plataforma digital

Métricas de parceria de tecnologia:

• Número de parceiros de tecnologia: 6
• Investimento de tecnologia anual: US $ 7,3 milhões
• Volume da transação da plataforma bancária digital: 2,4 milhões de transações

Parceiro de tecnologia	Foco em parceria	Investimento anual de colaboração
Fiserv	Sistemas bancários principais	US $ 2,1 milhões
Jack Henry	Soluções bancárias digitais	US $ 1,5 milhão
FIS Global	Processamento de pagamento	US $ 1,2 milhão

Central Pacific Financial Corp. (CPF) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a Central Pacific Financial Corp. registrou ativos totais de US $ 6,2 bilhões. O banco opera 35 agências no Havaí, com foco em serviços bancários comerciais e de varejo.

Categoria de serviço	Volume total (2023)	Quota de mercado
Bancos comerciais	US $ 2,8 bilhões	15,6% no Havaí
Banco de varejo	US $ 1,5 bilhão	12,3% no Havaí

Empréstimos para negócios e consumidores

Em 2023, a carteira de empréstimos da CPF demonstrou desempenho significativo:

• Empréstimos comerciais totais: US $ 1,9 bilhão
• Empréstimos ao consumidor total: US $ 1,2 bilhão
• Crescimento líquido de empréstimos: 6,4% ano a ano

Segmento de empréstimo	Tamanho médio do empréstimo	Taxa padrão
Empréstimos comerciais	$475,000	1.2%
Empréstimos ao consumidor	$85,000	2.1%

Gerenciamento de produtos de depósito e investimento

O CPF gerenciou depósitos totais de US $ 5,4 bilhões em 2023, com diversas ofertas de produtos.

Produto de depósito	Volume total	Taxa de juros média
Contas de verificação	US $ 1,6 bilhão	0.25%
Contas de poupança	US $ 1,2 bilhão	0.40%
Contas de investimento	US $ 650 milhões	2.15%

Desenvolvimento da plataforma bancária digital

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 125.000
• Volume de transações online: 3,2 milhões de transações
• Investimento de plataforma digital: US $ 12,5 milhões

Gerenciamento de riscos e serviços de consultoria financeira

Desempenho de gerenciamento de riscos em 2023:

Métrica de risco	Valor
Reservas de perda de empréstimos	US $ 82 milhões
Orçamento de gerenciamento de riscos	US $ 15,3 milhões
Equipe de conformidade	62 profissionais

Central Pacific Financial Corp. (CPF) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional no Havaí

A partir do quarto trimestre 2023, a Central Pacific Financial Corp. mantém 35 agências de serviço completo em todo o Havaí. O total de ativos relatados foi de US $ 5,37 bilhões. Valor da carteira líquida de empréstimos: US $ 4,01 bilhões.

Rede de filiais	Cobertura geográfica	Tamanho do ativo
35 ramos	Principalmente ilhas havaianas	US $ 5,37 bilhões

Equipe de gestão financeira experiente

Composição de liderança em 2024:

• PRODIÇÃO EXECUTIVO Média: 12,5 anos
• Membros C-Suite com experiência bancária: 7 profissionais
• Experiência bancária combinada: 95 anos

Tecnologia bancária digital robusta

Métricas da plataforma bancária digital:

Usuários bancários online	Downloads de aplicativos bancários móveis	Volume de transação digital
127.500 usuários ativos	86.300 Downloads	3,2 milhões de transações mensais

Relacionamentos estabelecidos do cliente

Estatísticas da base de clientes:

• Total de contas de clientes: 218.600
• Clientes bancários de varejo: 163.000
• Clientes bancários comerciais: 5.600

Capacidades abrangentes de serviço financeiro

Breakdown do portfólio de serviços:

Categoria de serviço	Contribuição da receita
Empréstimos comerciais	42% da receita total
Bancos pessoais	33% da receita total
Gestão de patrimônio	15% da receita total
Outros serviços financeiros	10% da receita total

Central Pacific Financial Corp. (CPF) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e consumidores havaianos

No quarto trimestre 2023, a Central Pacific Financial Corp. registrou ativos totais de US $ 5,37 bilhões, com uma carteira de empréstimos de US $ 4,16 bilhões direcionando especificamente empresas e consumidores havaianos.

Categoria de produto	Valor total	Penetração de mercado
Empréstimos comerciais	US $ 2,43 bilhões	57,4% do mercado regional
Empréstimos ao consumidor	US $ 1,73 bilhão	46,2% do mercado regional

Experiência no mercado local e serviços financeiros focados na comunidade

A CPF mantém 35 locais de filiais no Havaí, atendendo a aproximadamente 125.000 clientes com soluções financeiras localizadas.

• Tamanho médio do empréstimo para pequenas empresas: US $ 247.000
• Fundos de reinvestimento da comunidade: US $ 58,6 milhões em 2023
• Emprego local: 687 funcionários em tempo integral no Havaí

Taxas de empréstimos competitivos para empresas regionais

Em dezembro de 2023, a CPF ofereceu as seguintes taxas de empréstimos competitivos:

Tipo de empréstimo	Intervalo de taxa de juros	Termo de empréstimo
Empréstimos para pequenas empresas	6.25% - 9.75%	1-7 anos
Imóveis comerciais	5.50% - 7.25%	5-20 anos

Experiências bancárias digitais e tradicionais integradas

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 78.500
• Volume de transação online: 2,3 milhões mensais
• Receita bancária digital: US $ 42,3 milhões

Produtos financeiros personalizados para necessidades econômicas regionais específicas

Remoção especializada do portfólio de produtos para 2023:

Tipo de produto	Valor total do portfólio	Taxa de crescimento
Empréstimos do setor de turismo	US $ 687 milhões	12.4%
Empréstimos agrícolas	US $ 213 milhões	7.6%
Financiamento de energia renovável	US $ 156 milhões	18.2%

Central Pacific Financial Corp. (CPF) - Modelo de Negócios: Relacionamentos do Cliente

Abordagem bancária baseada em relacionamento

A partir do quarto trimestre de 2023, a Central Pacific Financial Corp. manteve 35 localizações de filiais principalmente no Havaí, atendendo a aproximadamente 124.000 contas de clientes. A abordagem baseada em relacionamento do banco se concentrou em serviços financeiros personalizados com uma taxa média de retenção de clientes de 87,4%.

Segmento de clientes	Contas totais	Duração média do relacionamento
Bancos pessoais	89,600	6,3 anos
Banking de negócios	34,400	5,7 anos

Consultas bancárias pessoais

CPF fornecido Gerentes de relacionamento dedicados Para clientes com saldos de conta superiores a US $ 250.000. Em 2023, aproximadamente 22.300 clientes de alta rede receberam serviços de consulta financeira personalizados.

• Tempo médio de consulta: 45 minutos
• Frequência de consulta: trimestralmente para clientes de alto valor
• Disponibilidade de agendamento digital: 24/7

Canais de suporte ao cliente digital

Métricas de suporte digital para 2023 revelaram:

Canal	Interações mensais	Tempo médio de resposta
Suporte ao aplicativo móvel	78,500	12 minutos
Chat online	42,300	8 minutos
Suporte telefônico	55,200	15 minutos

Engajamento da comunidade e redes locais

A CPF investiu US $ 1,2 milhão em programas de envolvimento da comunidade local em todo o Havaí em 2023, apoiando 87 eventos locais e organizações sem fins lucrativos.

• Patrocínio de negócios local: 42
• Workshops de educação financeira comunitária: 24
• Total de participantes em programas comunitários: 6.750

Serviços de consultoria financeira personalizada

Aparência especializada em serviços de consultoria para 2023:

Serviço de consultoria	Total de clientes	Valor médio do portfólio
Planejamento de aposentadoria	16,500	$475,000
Gerenciamento de investimentos	11,200	$680,000
Estratégia de transferência de riqueza	5,300	$1,200,000

Central Pacific Financial Corp. (CPF) - Modelo de Negócios: Canais

Rede de filiais físicas no Havaí

A partir de 2024, a Central Pacific Financial Corp. mantém 35 localizações de filiais físicas nas ilhas havaianas.

Ilha	Número de ramificações
Oahu	24
Havaí (Big Island)	5
Maui	4
Kauai	2

Plataforma bancária online

A plataforma bancária digital serve aproximadamente 78.500 usuários de bancos on -line ativos a partir do quarto trimestre 2023.

• Os recursos da plataforma incluem gerenciamento de contas
• Serviços de pagamento da conta
• Transferências de fundos
• Histórico de transações

Aplicativo bancário móvel

O aplicativo Banking Mobile Banking da CPF possui 62.300 usuários mensais ativos em 2024.

Plataforma	Downloads de aplicativos
Apple App Store	42,500
Google Play Store	38,200

Centros de atendimento ao cliente

O Central Pacific Financial opera dois centros de atendimento ao cliente.

• Volume médio de chamada: 12.500 ligações por mês
• Tempo médio de resposta: 3,2 minutos
• Representantes de atendimento ao cliente: 85 funcionários

Plataformas de comunicação digital

Os canais de engajamento digital incluem várias plataformas.

Plataforma	Contagem de seguidores
LinkedIn	4,200
Facebook	7,800
Twitter	3,500

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

Pequenas e médias empresas havaianas

A partir do quarto trimestre de 2023, a Central Pacific Financial Corp. atende aproximadamente 12.500 empresas pequenas e médias no Havaí. Portfólio total de empréstimos comerciais para este segmento: US $ 687,3 milhões.

Segmento de negócios	Número de clientes	Valor total do empréstimo
Negócios de varejo	4,750	US $ 245,6 milhões
Negócios de serviço	3,900	US $ 203,4 milhões
Serviços profissionais	2,850	US $ 238,3 milhões

Consumidores individuais locais

O segmento bancário do consumidor inclui 89.400 detentores de contas individuais no Havaí. Total de ativos bancários pessoais: US $ 2,1 bilhões.

• Contas de corrente pessoal: 62.300
• Contas de poupança pessoal: 47.500
• Clientes de empréstimos pessoais: 22.600

Investidores imobiliários comerciais

Portfólio de empréstimos imobiliários comerciais: US $ 1,45 bilhão em 620 clientes de investidores ativos.

Tipo de propriedade	Número de investidores	Valor total de investimento
Imóveis residenciais	280	US $ 612,7 milhões
Propriedades comerciais	215	US $ 528,3 milhões
Propriedades de uso misto	125	US $ 309,0 milhões

Profissionais da indústria agrícola e de turismo

Empréstimos especializados para setores de agricultura e turismo: US $ 412,6 milhões em 350 clientes.

• Empresas agrícolas: 210 clientes
• Empresas relacionadas ao turismo: 140 clientes

Clientes bancários pessoais e comerciais no Havaí

Base total de clientes: 127.500 clientes bancários pessoais e comerciais. Total de ativos sob gestão: US $ 4,3 bilhões.

Categoria de cliente	Número de clientes	Total de ativos bancários
Bancos pessoais	89,400	US $ 2,1 bilhões
Banking de negócios	38,100	US $ 2,2 bilhões

Central Pacific Financial Corp. (CPF) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

A partir de 2023, o Relatório Financeiro, a Central Pacific Financial Corp. manteve 35 filiais no Havaí. As despesas operacionais anuais da filial totalizaram US $ 24,3 milhões, que incluem:

Categoria de despesa	Custo anual
Manutenção de aluguel e instalação	US $ 8,7 milhões
Utilitários	US $ 3,2 milhões
Material de escritório	US $ 1,5 milhão

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para 2023 foram de US $ 12,6 milhões, abrangendo:

• Atualizações de sistemas de TI: US $ 5,4 milhões
• Investimentos de segurança cibernética: US $ 3,2 milhões
• Licenciamento de software: US $ 2,7 milhões
• Manutenção da rede: US $ 1,3 milhão

Salários e benefícios dos funcionários

O total de despesas de pessoal para 2023 atingiu US $ 87,4 milhões:

Categoria de compensação	Quantia
Salários da base	US $ 62,3 milhões
Seguro de saúde	US $ 9,6 milhões
Benefícios de aposentadoria	US $ 8,5 milhões	Bônus e incentivos	US $ 7,0 milhões

Custos de conformidade regulatória

As despesas de conformidade de 2023 totalizaram US $ 6,8 milhões:

• Serviços de Consultoria Jurídica: US $ 3,2 milhões
• Auditoria e relatórios: US $ 2,1 milhões
• Taxas de arquivamento regulatório: US $ 1,5 milhão

Despesas de marketing e aquisição de clientes

As despesas de marketing em 2023 foram de US $ 5,9 milhões:

Canal de marketing	Gastos
Publicidade digital	US $ 2,4 milhões
Mídia tradicional	US $ 1,7 milhão
Patrocínio da comunidade	US $ 1,2 milhão
Programas de aquisição de clientes	$600,000

Central Pacific Financial Corp. (CPF) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, a Central Pacific Financial Corp. reportou receita de juros líquidos de US $ 251,4 milhões. A quebra da carteira de empréstimos é a seguinte:

Categoria de empréstimo	Balanço total
Imóveis comerciais	US $ 3,89 bilhões
Comercial & Industrial	US $ 1,02 bilhão
Empréstimos ao consumidor	US $ 612 milhões
Hipoteca residencial	US $ 1,47 bilhão

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 47,3 milhões, com a seguinte distribuição:

• Cobranças de serviço de conta de depósito: US $ 22,1 milhões
• Taxas de transação em caixas eletrônicos e de débito: US $ 12,6 milhões
• Outras taxas de serviço bancário: US $ 12,6 milhões

Receita comercial e de empréstimo de consumidores

Empréstimos comerciais geraram US $ 89,7 milhões em receita, com os principais segmentos:

Segmento de empréstimo	Receita
Empréstimos comerciais	US $ 62,3 milhões
Empréstimos para pequenas empresas	US $ 27,4 milhões

Taxas de transação bancária digital

A receita bancária digital atingiu US $ 18,5 milhões em 2023:

• Transações bancárias online: US $ 8,7 milhões
• Transações bancárias móveis: US $ 9,8 milhões

Serviços de investimento e gerenciamento de patrimônio

Receita de Serviços de Investimento para 2023:

Categoria de serviço	Receita
Taxas de gerenciamento de ativos	US $ 24,6 milhões
Advogado de gerenciamento de patrimônio	US $ 16,2 milhões
Serviços de corretagem	US $ 11,3 milhões

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.