Ohana Pacific Bank

Headquarters

1357 Kapiolani Boulevard, Suite 102
Honolulu, HI 96814
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Ohana Pacific Bank is an FDIC insured institution located in Honolulu, HI. It was founded in 2006 and has approximately $0.18 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 58231
Date Established 2006
Assets $ 181.77 million
Loans $ 140.76 million
Deposits $ 160.36 million
Capital $ 20.03 million
 

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

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Ohana Pacific Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Ohana Pacific Bank
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Branches

Ohana Pacific Bank 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:
Ashburn,Virginia


Ohana Pacific Bank Locations


Financial Details

Ohana Pacific Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ohana Pacific Bank. 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
Ohana Pacific Bank U.S. Bank Average
0.46% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, Ohana Pacific Bank had $99,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,027,000 in equity and $1,580,000 in loans loss reserves. That gives it a Texas Ratio of 0.46%.

Return on Equity
Ohana Pacific Bank U.S. Bank Average
4.89% 7.80%

Ohana Pacific Bank has a Return on Equity of 4.89% versus the BestCashCow average of 7.80%. 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
Ohana Pacific Bank U.S. Bank Average
11.02% 12.68%

Ohana Pacific Bank has a Capitalization of 11.02% versus the BestCashCow average of 12.68. 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.

Ohana Pacific Bank Balance Sheet Analysis

As of March 31, 2020, Ohana Pacific Bank had assets of $181,772,000, loans of $140,761,000, and deposits of $160,356,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 36.98 million
Interest-bearing balances $ 34.99 million
Total securities $ 2.00 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 140.76 million
Loan loss allowance $ 1.58 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.24 million
     Total Assets $ 161.75 million
LIABILITIES
Total deposits $ 160.36 million
      Interest-bearing deposits $ 124.84 million
      Deposits held in domestic offices $ 160.36 million
      % insured (estimated) 85.33%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.75 million
Subordinated debt N.A.
All other liabilities $ 0.64 million
      Total Liabilities $ 161.75 million
      Shareholders’ Equity $ 20.03 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.78 million
Total Interest Expense $ 0.40 million
Net interest income $ 1.39 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.09 million
Total non interest expense $ 1.11 million
Pre-tax Net Operating Income $ 0.34 million

Bank Loan Profile?

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

Compared to other banks in Hawaii, Ohana Pacific Bank has a significantly higher percent of Commercial Real Estate 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 31.97
Multifamily
Mortgages
11.33
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.33
Commercial Real Estate 46.42
Commercial and Industrial Loans 10.48
Farm Loans 0.00

Frequently Asked Questions About Ohana Pacific Bank

Branches and Savings

Is Ohana Pacific Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58231.

Why does Ohana Pacific Bank pay such low interest on savings accounts?

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

Why are Ohana Pacific Bank CD rates not competitive?

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

Is Ohana Pacific Bank a commercial bank?

Yes

Where are Ohana Pacific Bank locations?

See branch locations nearby.

Is Ohana Pacific Bank open on Saturdays?

Is Ohana Pacific Bank open on Sundays?

What time does Ohana Pacific Bank open?

What time does Ohana Pacific Bank close?

Are Ohana Pacific Bank ATMs Open 24/7?

Do Ohana Pacific Bank ATMs accept cash deposits?

Can Ohana Pacific Bank customers use other ATMs?

Do Ohana Pacific Bank branches have notaries?

Will Ohana Pacific Bank notarize my document?

What address for Ohana Pacific Bank should I put for incoming ACH transfers?

Will the Ohana Pacific Bank branch print checks?

Do Ohana Pacific Bank checks expire?

Does Ohana Pacific Bank require US citizenship to open account?

Can Ohana Pacific Bank close my account?

Does Ohana Pacific Bank Report to credit bureaus?

Does Ohana Pacific Bank Use Equifax?

What is Ohana Pacific Bank's ACH Routing Number?

What is Ohana Pacific Bank's SWIFT code?

Products

Does Ohana Pacific Bank offer mortgages?

Compare mortgage rates here.

Does Ohana Pacific Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ohana Pacific Bank offer personal loans?

Compare personal loan rates here.

Does Ohana Pacific Bank offer student loans?

Will Ohana Pacific Bank cash a check?

Will Ohana Pacific Bank redeem a savings bond?

Does Ohana Pacific Bank cash savings bonds?

Will Ohana Pacific Bank cash money orders?

Can Ohana Pacific Bank issue a money order?

Does Ohana Pacific Bank do currency exchange?

Background on The Bank

Who owns Ohana Pacific Bank?

How long has Ohana Pacific Bank been around?

Can Ohana Pacific Bank transfer to other banks?

Does Ohana Pacific Bank have quick pay?

Does Ohana Pacific Bank accept rolled coins?

Will Ohana Pacific Bank accept loose change?

Where is Ohana Pacific Bank headquarters?

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