Central Pacific Financial (CPF) risk factors

Item 1A of every Central Pacific Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
54 risks7 new2 dropped12 reworded
Increased credit loss provisions from $9.8 million in 2024 to $15.7 million in 2025 heightened asset quality focus.
Filed Feb 27, 2026
FY2024 10-K risk factors
49 risks
Central Pacific Financial Corp is heavily concentrated in the Hawaii market, tying its performance to tourism, real estate, and regional economic conditions. Rising interest rates, credit losses, and commercial real estate exposure significantly impact net interest margins and asset quality. The bank faces intense competition and growing compliance demands from new initiatives like Banking-as-a-Service.
Filed Feb 26, 2025