Central Pacific Bank: SBA Lending Record
What SBA's own loan files show about Central Pacific Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Central Pacific Bank: loans and programs
Central Pacific Bank stands at 785 approved loans and $49.6 million gross, FY2017 to FY2026. HI is the lender state SBA records for Central Pacific Bank. Central Pacific Bank does not guarantee these 785 loans; SBA does. Counts for Central Pacific Bank describe records only. SBA records Central Pacific Bank as holding, or having held, these 785 loans. All 785 loans at Central Pacific Bank are 7(a); 0 are 504.
Where the loans of Central Pacific Bank sit
The tracked classes leave 572 of Central Pacific Bank's 785 loans uncovered. By loan count the classes for Central Pacific Bank are Full-service restaurant (59), Limited-service restaurant (44), Coffee shop and snack bar (27), Caterers (includes banquet halls with catering staff) (18), Fitness center (14), Medical office (physicians) (7), Beauty salon (6), Assisted living (without nursing care) (5), Veterinary clinic (5), Rehabilitation and therapy clinic (5). Full-service restaurant borrowers can set a project against 59 such loans at Central Pacific Bank. Central Pacific Bank shows 44 loans in Limited-service restaurant, the next class. Coffee shop and snack bar comes third at Central Pacific Bank, with 27 loans.
Central Pacific Bank: cancellations and losses
The cancellation rate for Central Pacific Bank on FY2017 to FY2024 approvals lies between a floor of 4.5% and 6.3% as a ceiling that counts undisbursed loans. On the FY2017 to FY2021 disbursements of Central Pacific Bank, 10.5% show as charged off to date, a floor, across 361 loans. Central Pacific Bank shows 6.6% written off inside five years of approval. These are minimum rates for Central Pacific Bank, and further write-offs within the group can only push it up.
The Central Pacific Bank record and a feasibility study
Full-service restaurant at Central Pacific Bank begins with a test of demand. After that, a study of Limited-service restaurant needs to test the cost to build, with 44 such loans on Central Pacific Bank's record. Debt service coverage follows, and $49.6 million across 785 loans at Central Pacific Bank does not settle it for a project. At the end comes the appraisal, which no count of 27 Coffee shop and snack bar loans at Central Pacific Bank makes unnecessary. Central Pacific Bank alone decides what it requires. Nothing guarantees approval, and Central Pacific Bank sets its own terms.
SBA loans held by Central Pacific Bank
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 785 |
|---|---|
| Gross dollars approved | $49.6 million |
| SBA 7(a) loans | 785 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 4.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 6.3% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 10.5% |
| Charged off within five years of approval | 6.6% |
| Loans in that cohort | 361 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 572 |
| Full-service restaurant | 59 |
| Limited-service restaurant | 44 |
| Coffee shop and snack bar | 27 |
| Caterers (includes banquet halls with catering staff) | 18 |
| Fitness center | 14 |
| Medical office (physicians) | 7 |
| Beauty salon | 6 |
| Assisted living (without nursing care) | 5 |
| Veterinary clinic | 5 |
| Rehabilitation and therapy clinic | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
The state breakdown is withheld, so that no group of fewer than 5 loans can be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-17308.
Related feasibility study pages
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