Bank · FDIC insured
Finance Factors
Top CarrotA $683.7M bank headquartered in Honolulu, HI, with 13 branches in Hawaii. Best rates: CDs 4.25% and savings 2.00% APY.
Finance Factors Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#2 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Finance Factors
Established in 1952 by several island families to pioneer personal loans in Hawaii, Finance Factors is the state's largest locally-owned depository financial services loan company.
The institution specializes in residential real estate loans as well as commercial and real estate loans, operating 13 branches across Oahu, Maui, Kauai, and the Big Island.
- Headquarters
- 1164 Bishop St, Honolulu, HI 96813
- FDIC certificate
- 25158 ↗
Branches
13 branches in Hawaii
Loading map…
Hawaii
13 branches
Urban Honolulu area · 9
- Finance Factors, Ltd.Main office1164 Bishop St, Honolulu, HI 96813Directions
- Kahala Branch4211 Waialae Ave, Honolulu, HI 96816Directions
- Kaimuki Branch3408 Waialae Ave, Honolulu, HI 96816Directions
- Kalihi Branch1620 N School St, Honolulu, HI 96817Directions
- Kapiolani Branch1600 Kapiolani Blvd, Honolulu, HI 96814Directions
- Liliha Branch1808 Liliha St, Honolulu, HI 96817Directions
- Manoa Branch2955 East Manoa Rd, Honolulu, HI 96822Directions
- Kailua Branch28 Oneawa St, Kailua, HI 96734Directions
- Pearl City Branch850 Kamehameha Hwy, Pearl City, HI 96782Directions
Hilo area · 2
- Hilo Branch605 Laukapu St, Hilo, HI 96720Directions
- Kailua-Kona75-1022 Henry St, Kailua Kona, HI 96740Directions
Kahului area · 1
- Kahului Branch27 S Puunene Ave, Kahului, HI 96732Directions
Kapaa area · 1
- Lihue Branch4393 Kukui Grove St Ste A, Lihue, HI 96766Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.02% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.23% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio12.02%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.23%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Finance Factors are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.