{"schema_version":"secwatch.filing_event.v1","accession":"0000701347-23-000030","form_type":"8-K","ticker":"CPF","cik":"0000701347","company_name":"CENTRAL PACIFIC FINANCIAL CORP","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.436992+00:00","generated_at":"2026-06-13T02:31:41.776995+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CPF Q2 net income $14.5M ($0.53 EPS) down 18% YoY; NIM slips 12bps to 2.96%","bullets":["Net income $14.5M ($0.53 diluted) vs $16.2M ($0.60) in Q1 2023 and $17.6M ($0.64) in Q2 2022.","Net interest margin contracted 12 bps sequentially to 2.96% as deposit costs outpaced loan yields.","Total deposits rose $58.8M to $6.81B; core deposits up $10.1M. 65% of deposits are FDIC-insured or collateralized.","Nonperforming assets increased to $11.1M (0.15% of assets) from $5.3M, driven by two Hawaii construction loans later paid off in July.","Capital ratios improved; board declared $0.26 quarterly dividend, payable Sept 15, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000701347-23-000030","json":"https://secwatch.observer/filing/0000701347-23-000030.json","markdown":"https://secwatch.observer/filing/0000701347-23-000030.md","text":"https://secwatch.observer/filing/0000701347-23-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/701347/000070134723000030/0000701347-23-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/701347/000070134723000030/cpf-20230726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:31:41.776995+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"13dcbd2c32f3e0d24bf805a05727ae8cac5c1d0a","claim":"CENTRAL PACIFIC FINANCIAL CORP reported the quarter ended June 30, 2023 results: net income $14.5 million, EPS $0.53 per diluted share.","evidence_excerpt":"On July 26, 2023, Central Pacific Financial Corp. (the \"Company\") issued a press release regarding its results of operations and financial condition for the quarter ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/701347/000070134723000030/0000701347-23-000030-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$14.5 million"},{"label":"EPS","value":"$0.53 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}