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Community Reinvestment Act

Community Reinvestment Act


The Community Reinvestment Act (CRA) encourages depository institutions to help meet the credit needs of all segments of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations.

CRA Ratings – Central Pacific Bank is “Outstanding”

Under the CRA, each depository institution’s record in helping to meet the credit needs of its communities is evaluated and rated regularly. This record is taken into account when federal regulators consider an institution’s application for the expansion or reduction of facilities and other services.

Central Pacific Bank continues to maintain the highest rating of “Outstanding” from the Federal Deposit Insurance Corporation (FDIC) for its efforts in meeting the needs of its community, including low- and moderate-income neighborhoods and individuals. Central Pacific Bank has maintained an “Outstanding” rating since 2015.

Central Pacific Bank’s “Outstanding” rating and can be found in the FDIC’s CRA Performance Evaluation, which includes an assessment of Central Pacific Bank’s efforts to help meet the credit needs within the State of Hawaii, through the bank’s lending, investment, and service activities. The complete CRA Performance Evaluation can be viewed at any of the bank’s branches statewide or on the FDIC’s website.

Community Development

Central Pacific Bank is a leader in community development lending, originating over $964 million in community development loans during the last FDIC CRA evaluation period which helped support affordable housing projects, community services, economic development, and the revitalization or stabilization of communities. 

Central Pacific Bank is a leader in community development investments, grants, and donations, providing over $66 million in community development investments, grants, and donations during the last FDIC CRA devaluation period.

Central Pacific Bank is a leader in providing community development service, providing over 8,800 hours of community development service during the last FDIC CRA devaluation period. The bank’s employees are also encouraged and supported by the bank to participate directly in community service activities in the communities in which they live and work.

What is community development?

Community development is defined as:

  1. Affordable housing for low-and moderate-income individuals;
  2. Community services targeted to low- and moderate-income individuals;
  3. Activities that promote economic development by financing business or farms that meet the size eligibility standards of the Small Business Administration’s Development Company or Small Business Investment Company programs or that have gross annual revenues of $1 million or less; and
  4. Activities that revitalize or stabilize a low- to moderate-income community.