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Overview / Commentary
808-237-6551
1357 Kapiolani Boulevard, Suite 102
Honolulu, HI 96814

Ohana Pacific Bank is headquartered in Honolulu and is the 9th largest bank in the state of Hawaii. It is also the 4,410st largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 22 employees at 2 locations. Ohana Pacific Bank has a A+ health rating.

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Health

Data for Q2 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Ohana Pacific Bank had $615,000 in non-current loans and owned real-estate with $15.66 million in equity and loan loss allowances on hand to cover it. This gives Ohana Pacific Bank a Texas Ratio of 3.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Ohana Pacific Bank decreased slightly from 5.42% as of June 30, 2013 to 3.93% as of June 30, 2014, resulting in a positive change of 27.53%.This indicates that the balance sheet and financial strength for Ohana Pacific Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Ohana Pacific Bank has increased its total deposits by $7.62 million, resulting in 8.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ohana Pacific Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ohana Pacific Bank has $111.95 million in assets with $15.66 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58231
Year Established2006
Employees22
Primary RegulatorFDIC
Assets and Liabilities
Assets$111.95 million
Loans$75.87 million
Deposits$97.26 million
Equity Capital$14.44 million
Loan Loss Allowance$1.22 million
Real Estate Owned$615,000
Historic Data - June 2013
Assets$103.54 million
Equity Capital$13.62 million
Loan Loss Allowance$1.26 million
Unbacked Noncurrent Loans$0
Real Estate Owned$632,000
Profit Margin - Quarterly
Return on Assets0.9%
Return on Equity6.79%
Interest Income$1.86 million
Rates

Sorry, we do not have rate data for Ohana Pacific Bank

Locations


Ohana Pacific Bank Locations
Ohana Pacific Bank1357 Kapiolani Boulevard, Suite 102Honolulu, HI 96814