Finance Factors, Ltd.

1164 Bishop Street
Honolulu, HI 96813

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 25158
Date Established 1952
Assets $0.57 billion
Loans $0.38 billion
Deposits $0.49 billion
Capital $0.06 billion

Finance Factors, Ltd. is an FDIC insured institution located in Honolulu, HI. It was founded in 1952 and has approximately $0.57 billion in assets. Customers can open an account at one of its 17 branches.

For a more detailed analysis of Finance Factors, Ltd.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Finance Factors, Ltd.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Hawaii, Finance Factors, Ltd. has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 63.53
Multifamily
Mortgages
11.74
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.58
Construction and Development Loans 8.87
Commercial Real Estate 14.96
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates - February 19, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $199,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.45% $1,000 - Learn MoreShow Less
Special: 6 Mo CD
1.25% $1,000 - Learn MoreShow Less
6 Mo CD
1.25% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
1.50% $1,000 - Learn MoreShow Less
12 Mo CD
1.50% $1,000 - Learn MoreShow Less
Special: 18 Mo CD
1.25% $1,000 - Learn MoreShow Less
18 Mo CD
1.25% $1,000 - Learn MoreShow Less
Special: 24 Mo CD
1.25% $1,000 $24,999 Learn MoreShow Less
24 Mo CD
1.60% $1,000 $24,999 Learn MoreShow Less
Special: 24 Mo CD
1.80% $25,000 - Learn MoreShow Less
24 Mo CD
1.80% $25,000 - Learn MoreShow Less
Special: 36 Mo CD
1.60% $1,000 - Learn MoreShow Less
36 Mo CD
1.60% $1,000 - Learn MoreShow Less
Special: 42 Mo CD
1.75% $1,000 - Learn MoreShow Less
48 Mo CD
1.75% $1 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.50% $1,000 - Learn MoreShow Less
Special: 6 Mo FIRA
1.25% $1,000 - Learn MoreShow Less
Special: 12 Mo FIRA
1.50% $1,000 - Learn MoreShow Less
Special: 18 Mo FIRA
1.25% $1,000 - Learn MoreShow Less
Special: 24 Mo FIRA
1.25% $1,000 - Learn MoreShow Less
Special: 36 Mo FIRA
1.60% $1,000 - Learn MoreShow Less
Special: 42 Mo FIRA
1.75% $1,000 - Learn MoreShow Less

Loan Rates - February 19, 2019

Your Current Location: Washington, WA 98109

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Finance Factors, Ltd. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Finance Factors, Ltd. Locations


Financial Details

Finance Factors, Ltd. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Finance Factors, Ltd.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Finance Factors, Ltd. U.S. Bank Average
2.88% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Finance Factors, Ltd. had $2,122,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $63,520,000 in equity and $10,223,000 in loans loss reserves. That gives it a Texas Ratio of 2.88%.

Return on Equity
Finance Factors, Ltd. U.S. Bank Average
4.99% 9.95%

Finance Factors, Ltd. has a Return on Equity of 4.99% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Finance Factors, Ltd. U.S. Bank Average
11.09% 12.19%

Finance Factors, Ltd. has a Capitalization of 11.09% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Finance Factors, Ltd. Balance Sheet Analysis

As of September 30, 2018, Finance Factors, Ltd. had assets of $572,815,000, loans of $379,868,000, and deposits of $486,994,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.38 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.51 billion
LIABILITIES
Total deposits $0.49 billion
      Interest-bearing deposits $0.49 billion
      Deposits held in domestic offices $0.49 billion
      % insured (estimated) 95.80%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.51 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Finance Factors, Ltd.

Branches and Savings

Is Finance Factors, Ltd. FDIC insured?

Yes. It is covered under FDIC Certificate #25158.

Why does Finance Factors, Ltd. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Finance Factors, Ltd. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Finance Factors, Ltd. a commercial bank?

Yes

Where are Finance Factors, Ltd. locations?

See branch locations nearby.

Is Finance Factors, Ltd. open on Saturdays?

Is Finance Factors, Ltd. open on Sundays?

What time does Finance Factors, Ltd. open?

What time does Finance Factors, Ltd. close?

Are Finance Factors, Ltd. ATMs Open 24/7?

Do Finance Factors, Ltd. ATMs accept cash deposits?

Can Finance Factors, Ltd. customers use other ATMs?

Do Finance Factors, Ltd. branches have notaries?

Will Finance Factors, Ltd. notarize my document?

What address for Finance Factors, Ltd. should I put for incoming ACH transfers?

Will the Finance Factors, Ltd. branch print checks?

Do Finance Factors, Ltd. checks expire?

Does Finance Factors, Ltd. require US citizenship to open account?

Can Finance Factors, Ltd. close my account?

Does Finance Factors, Ltd. Report to credit bureaus?

Does Finance Factors, Ltd. Use Equifax?

What is Finance Factors, Ltd.'s ACH Routing Number?

What is Finance Factors, Ltd.'s SWIFT code?

Products

Does Finance Factors, Ltd. offer mortgages?

Compare mortgage rates here.

Does Finance Factors, Ltd. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Finance Factors, Ltd. offer personal loans?

Compare personal loan rates here.

Does Finance Factors, Ltd. offer student loans?

Will Finance Factors, Ltd. cash a check?

Will Finance Factors, Ltd. redeem a savings bond?

Does Finance Factors, Ltd. cash savings bonds?

Will Finance Factors, Ltd. cash money orders?

Can Finance Factors, Ltd. issue a money order?

Does Finance Factors, Ltd. do currency exchange?

Background on The Bank

Who owns Finance Factors, Ltd.?

How long has Finance Factors, Ltd. been around?

Can Finance Factors, Ltd. transfer to other banks?

Does Finance Factors, Ltd. have quick pay?

Does Finance Factors, Ltd. accept rolled coins?

Will Finance Factors, Ltd. accept loose change?

Where is Finance Factors, Ltd. headquarters?

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*All images, logos and public notes on this page appear courtesy of Finance Factors, Ltd. and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.