Compared with Hawaii
14 of 18
compared fees are above the median.
2 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
65th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Hawaii median
of 18 compared; 2 below, 2 about the same
See the feesFee schedule read Oct 8, 2026
Call-report figures are for Central Pacific Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Hawaii median | Published fees above the Hawaii median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Central Pacific Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.9% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (65th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $2.3M in Q2 2026, 6.0% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
14 of 18 compared published fees sit above the Hawaii median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Hawaii medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.4% from Q3 2025 to Q2 2026, to $2.3M. Its share of revenue, 2.9%, is above the 2.2% median for banks with $1B to $10B in assets.
$2.3M
Central Pacific BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $20; we compare the midpoint.
Central Pacific Bank · $7.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Central Pacific Bank(this institution) | Honolulu, HI | $7.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bangor Savings Bank | Bangor, ME | $7.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Colorado | Fort Collins, CO | $7.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bankers Trust Company | Des Moines, IA | $7.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cambridge Savings Bank | Cambridge, MA | $7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CNB Bank | Clearfield, PA | $8.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Trust Bank, Inc. | Pikeville, KY | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Equity Bank | Andover, KS | $7.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of America | East Lansing, MI | $6.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hanmi Bank | Los Angeles, CA | $8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intrust Bank, National Association | Wichita, KS | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Johnson Bank | Racine, WI | $7.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kearny Bank | Kearny, NJ | $7.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake City Bank | Warsaw, IN | $7.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Needham Bank | Needham, MA | $7.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northpointe Bank | Grand Rapids, MI | $7.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ocean Bank | Miami, FL | $7.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pathward, National Association | Sioux Falls, SD | $7.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Republic Bank & Trust Company | Louisville, KY | $7.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ridgewood Savings Bank | Ridgewood, NY | $7.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stockman Bank of Montana | Miles City, MT | $7.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| TBK BANK, SSB | Dallas, TX | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Camden National Bank | Camden, ME | $6.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers National Bank of Canfield | Canfield, OH | $7.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $7.50 among 18 publishing peers.
Its two checking prices are $5 and $20.
$12.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Central Pacific Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.3M | −$48K | −2.1% |
| Q1 2026 | $2.3M | −$124K | −5.1% |
| Q4 2025 | $2.4M | +$92K | +3.9% |
| Q3 2025 | $2.3M | +$208K | +9.8% |
| Q2 2025 | $2.1M | −$24K | −1.1% |
| Q1 2025 | $2.1M | −$104K | −4.6% |
| Q4 2024 | $2.3M | +$84K | +3.9% |
| Q3 2024 | $2.2M | +$32K | +1.5% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Central Pacific Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central Pacific Bank by share.
Amounts from Central Pacific Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Exceptional Checking Monthly service charge | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Value Checking / Value Plus / Shaka Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account (Service Charge) [5] | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Check Transaction (Processing) Fee - Shaka Checking | $2Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Statement Reconciliation, Research or Special Request with a minimum one-hour charge | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Items Paid Against Insufficient Funds | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Items Returned Unpaid Due to Insufficient Funds | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Savings Overdraft Protection Transfer Fee | $12.50Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Domestic ATM Cash Withdrawals | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| International ATM Cash Withdrawals [2] | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
| Card Replacement Fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush Delivery: Domestic Destination | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Cross Border Assessment | 0.9%of the transaction | Not stated | None |
| Currency Conversion Assessment (audience not stated, treated as personal) | 0.2%of the transaction | Not stated | None |
Check Services | |||
| Official Checks [14] | $12Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Order | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks (Consumer-4/page; Business-3/page) | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Government check cashing (non-deposit customers) [11] | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return/Correction Notice Fee (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Same Day Online Bill Pay (audience not stated, treated as personal) | $10Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Night Depository Key Replacement | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary (per signature, per document) [13] [14] | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Late Payment Fee (audience not stated, treated as personal) | $5Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 15 x 15 (audience not stated, treated as personal) | $265Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 10 (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 5 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 15 (audience not stated, treated as personal) | $130Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6 x 10 (audience not stated, treated as personal) | $135Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 9 x 10 (audience not stated, treated as personal) | $155Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment | $95Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Audit Confirmation Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer Fee (Service Charge) | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Value Checking / Value Plus / Shaka Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account (Service Charge) [5] | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Check Transaction (Processing) Fee - Shaka Checking | $2Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Statement Reconciliation, Research or Special Request with a minimum one-hour charge | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Wire Research Fee | $35 | per item | None |
Overdraft & NSF | |||
| Items Paid Against Insufficient Funds | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Items Returned Unpaid Due to Insufficient Funds | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Savings Overdraft Protection Transfer Fee | $12.50Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Domestic ATM Cash Withdrawals | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| International ATM Cash Withdrawals [2] | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
| Card Replacement Fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush Delivery: Domestic Destination | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Cross Border Assessment | 0.9%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer [23] (OUTGOING WIRE FEE): Domestic: or less | $40 | per item | None |
| Wire Transfer (Domestic In) | $12 | per item | None |
Check Services | |||
| Official Checks [14] | $12Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Order | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks (Consumer-4/page; Business-3/page) | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Government check cashing (non-deposit customers) [11] | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Cash & Deposit | |||
| Night Depository Key Replacement | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary (per signature, per document) [13] [14] | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishment | $95Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Audit Confirmation Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer Fee (Service Charge) | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Central Pacific Bank operates, and what regulators and customers have on file.
Branch footprint
27 offices in 1 state, $6.7B in branch deposits (June 2026)
Each dot is one office.
21 of 27 branches on the map.
Largest markets by deposits
| 20 | $5.6B | |
| Outside a metro area | 3 | $553.8M |
| 4 | $539.4M |
Urban Honolulu, HI
12.2% of bank deposits, #4 of 13, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First Hawaiian Bank | 32.6% |
| Bank of Hawaii | 32% |
| American Savings Bank, National Association | 14.6% |
| Bank of Hope | 3.2% |
| Hawaii National Bank | 1.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Urban Honolulu, HI, Central Pacific Bank holds 12.2% of bank deposits, #4 of 13, with 20 offices.
238 offices of 38 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 13 institutions shown. $46.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 12.2% share, 20 offices, #4 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
99 offices of 27 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
Federal Reserve, against the holding company, Central Pacific Financial Corporation. Ended February 12, 2013 · Order
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
CENTRAL PACIFIC FINANCIAL CORP (NYSE: CPF)
Consolidated assets
$7.4B
Shareholders' equity
$581.4M
As of
2026Q3
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 701347. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.