“Can a Hawaii-focused community bank dominate local SMB lending and deposit relationships while building enough digital infrastructure to compete with national banks?”
Central Pacific Bank is a Hawaii-based regional community bank founded by veterans after World War II. It has grown into a full-service personal, business, and commercial bank with a particular emphasis on small business lending, leading the state in SBA loan volume. The bank has increasingly embedded digital capabilities — including an online SBA lending portal (CPB Business Express), digital bill pay and Zelle integration, and merchant services via an Elavon partnership — reflecting a steady shift toward digital-first banking infrastructure while retaining its local Hawaii community bank positioning.
Central Pacific Bank moves money over Wire.
Central Pacific Bank connects to bank accounts through MX.
The Embedded Finance Index 2026 maps 3 layers in Central Pacific Bank's stack: Money movement (Wire); Lending (Business Express Term Loans, Business Express Lines of Credit, SBA Loans, Personal Loans and 1 other); Open banking (MX).
Central Pacific Bank is headquartered in Honolulu, Hawaii, United States.
Get a read on where your own stack stands against Central Pacific Bank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.