Central Pacific Bank: Bank Stress & Real-Estate Credit Exposure

Central Pacific Bank (FDIC Cert #17308) carries a DLRadar bank-stress score of 72/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Honolulu County, HI, Hawaii County, HI, Kauai County, HI, Maui County, HI, among others DLRadar tracks parcel by parcel. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Central Pacific Bank is part of a publicly traded group, trading under ticker CPF via Central Pacific Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. The value is in the linkage: Central Pacific Bank's elevated reading is mapped onto 96 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Central Pacific Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Central Pacific Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 72/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 4-county reach, a elevated score sets the credit tone for every market on its map. Central Pacific Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 96 ZIP codes. The deepest footprints are Hawaii (4 counties).

The acquisition angle is simple — lending capacity is what moves deals. As Central Pacific Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.