When in the Central Pacific, do as the islanders do. This may include doing business with Central Pacific Financial, the holding company for Central Pacific Bank, which operates more than 35 branch locations and 110 ATMs across the Hawaiian Islands. Targeting individuals and local businesses, the $5 billion bank provides such standard retail banking products as checking and savings accounts, money market accounts, and CDs. About 70% of the bank's loan portfolio is made up of commercial real estate loans, residential mortgages and construction loans, though it also provides business and consumer loans.