中央太平洋银行 2025年度报告

FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGSAND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THESECURITIES EXCHANGE ACT OF 1934 (Mark One) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December31, 2025 orTRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from ________ to ________ Commission file number: 001-31567 A.Full title of the plan and the address of the plan, if different from that of issuer named below: CENTRAL PACIFIC BANK401(k) RETIREMENT SAVINGS PLAN Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: CENTRAL PACIFIC FINANCIAL CORP.220 South King StreetHonolulu, Hawaii 96813 Table of Contents Report of Independent Registered Public Accounting Firm3Financial Statements:Statements of Net Assets Available for Benefits4Statement of Changes in Net Assets Available for Benefits5Notes to Financial Statements6Supplemental Schedule:Schedule H, Line 4i – Schedule of Assets (Held at End of Year)11Exhibit Index13Exhibit 23.1 - Consent of Independent Registered Public Accounting Firm Plan Participants and Retirement Plan AdministrativeCommittee of the Board of Directors of theCentral Pacific Bank 401(k) Retirement Savings PlanHonolulu, Hawaii Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of the Central Pacific Bank 401(k) RetirementSavings Plan (the "Plan") as of December 31, 2025 and 2024, the related statement of changes in net assets available for benefits forthe year ended December 31, 2025, and the related notes (collectively referred to as the "financial statements"). In our opinion, thefinancial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2025 and2024, and the changes in net assets available for benefits for the year ended December 31, 2025, in conformity with accountingprinciples generally accepted in the United States of America. Basis for Opinion These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on the Plan'sfinancial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting OversightBoard (United States) ("PCAOB") and are required to be independent with respect to the Plan in accordance with the U.S. federalsecurities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the auditto obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part ofour audits, we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressingan opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due toerror or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidenceregarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles usedand significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believethat our audits provide a reasonable basis for our opinion. Supplemental Information The supplemental Schedule H, Line 4i – Schedule of Assets (Held at End Year) as of December 31, 2025 has been subjected to auditprocedures performed in conjunction with the audit of the Central Pacific Bank 401(k) Retirement Savings Plan’s financial statements.The supplemental schedule is the responsibility of the Plan’s management. Our audit procedures included determining whether theinformation presented in the supplemental schedule reconciles to the financial statements or the underlying accounting and otherrecords, as applicable, and performing procedures to test the completeness and accuracy of the information presented in thesupplemental schedule. In forming our opinion on the supplemental schedule, we evaluated whether the supplemental schedule,including its form and content, is presented in conformity with the Department of Labor’s Rules and Regulations for Reporting andDisclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental schedule is fairly stated inall material respects in relation to the financial statements