Central Pacific Financial (CPF) Registration Filing summary

Company overview and business model

• Hawaii-based bank holding company with $7.41B in assets and $5.33B in loans as of March 31, 2025.

• Operates 27 branches and 55 ATMs across Hawaii, offering full-service commercial banking.

• Income primarily from interest and fees on loans, investment securities, and deposit services.

• Deposits are FDIC insured; became a Federal Reserve System member in January 2025.

Financial performance and metrics

• As of March 31, 2025: $7.41B in assets, $6.60B in deposits, $557.4M in shareholders' equity.

Use of proceeds and capital allocation

• Net proceeds intended for general corporate purposes: organic growth, debt repayment, repurchasing or redeeming securities, working capital, and potential acquisitions.

• Proceeds may be temporarily invested in interest-bearing securities or deposit accounts.