Updated
The most significant concentration Central Pacific Financial Corp discloses is real estate-related loans at 80%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Central Pacific Financial Corp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1: 'Approximately 80% of our loan portfolio at December 31, 2025 consisted of real estate-related loans, including residential mortgage loans, home equity loans, commercial mortgage loans, and construction loans.'”
“10-K Item 1: 'Our business activities are concentrated primarily in Hawaii.'”
Central Pacific Financial's concentration risks are both structural and mutually reinforcing rather than counterparty-specific. Approximately 80% of the loan portfolio at December 31, 2025 consisted of real estate-related loans — residential mortgage, home equity, commercial mortgage, and construction loans — and the bank's business activities are concentrated primarily in Hawaii. Because the real estate book is high-share and the geographic footprint is also high-share, the two exposures compound: a downturn in Hawaii real estate values or economic activity would flow directly through a loan book that is itself heavily weighted toward real estate collateral. Neither exposure stems from a single borrower or counterparty relationship; both are structural features of a community bank whose lending and deposit-taking activities are inherently tied to one state's economy and one dominant asset class. This is the profile most likely to move the verdict: idiosyncratic loss from a single credit is less of a concern here than correlated risk from a regional real estate or economic shock affecting the loan portfolio as a whole.
For the engine’s reasoning on CPF’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| CPF● | Central Pacific Financial Corp | 2 | 0 | 0 | 2 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.