Central Pacific Bank
Headquartered in Honolulu, HI. Analysis based on 493 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $33.3M.
Total 7(a) loans
493
Total approved
$33.3M
Average loan
$68K
States funded in
2
Charge-off rate
4.84%
FY2020–FY2023 cohort
Paid-in-full rate
34.26%
Average rate
8.85%
Average term
60 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 33 |
| 236118 | Residential Remodelers | 26 |
| 722513 | Limited-Service Restaurants | 24 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 21 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 21 |
| 722330 | Mobile Food Services | 19 |
| 238210 | Electrical Contractors | 16 |
| 713940 | Fitness and Recreational Sports Centers | 13 |
| 532111 | Passenger Car Rental | 11 |
| 561520 | Tour Operators | 11 |
Top 10 states
| State | Loans |
|---|---|
| HI | 492 |
| TX | 1 |
Top franchise brands financed
5 franchise loans across 4 distinct brands.
| Franchise | Loans |
|---|---|
| Kumon | 2 |
| Rainbow International | 1 |
| F45 Training | 1 |
| Servpro | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.