Central Pacific Bank is Hawaii's fourth-largest depository institution, operating as a registered bank holding company with branches and ATMs distributed across the Hawaiian Islands. The bank provides a comprehensive suite of commercial banking services to consumer and business customers, including deposit products (demand deposits, money market accounts, savings accounts, and time deposits), lending across five principal areas (residential mortgage, commercial and industrial, commercial real estate, construction, and consumer), as well as cash management, digital banking, and fiduciary services. The bank generates revenue primarily from interest and fees on loans, interest and dividends on investment securities, and service fees, while funding its operations through low-cost retail and small business deposits supplemented by strategic partnerships with financial institutions internationally.