PackageTrendsPeer
Letter portraitLegal landscape

Bank of Guam

Hagatna, GU · Cert 20884 · Bankguam Holding Co.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=178). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Guam

Hagatna, GU · Cert 20884 · Bankguam Holding Co.

State charter, non-member · FDIC · 16 branches

Q2 2026

$3.2BAssets
$1.8BLoans
$2.2BDeposits
$228.7MEquity
Loan mix
73%RE $1.2B11%C&I $0.2B16%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $1.4B34%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.79%Q2 ’244.71%Q2 ’254.72%Q2 ’26-6%-9%

Non-interest income vs. expense

5.03%Q2 ’244.67%Q2 ’254.39%Q2 ’26-6%-1%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #54 of 69 inst. · $0.1B of $513.2B

36.1% Guam
64.3% Saipan
46.8% Koror
100.0% Majuro

Executive Summary

  • Earnings: ROA of 0.63%, down 12 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.89% of loans (-117 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 8.34%, down 94 bps from a year ago.
  • Funding: loans stand at 81.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-41 bps YoY

Efficiency Ratio (YTD, annualized)

80.00%+390 bps YoY

Tier 1 Leverage Ratio

8.34%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.70%0.83%0.72%0.63%-12 bps
Return on Equity9.58%8.86%10.60%9.86%8.71%-86 bps
Net Interest Margin4.41%4.50%4.35%4.07%4.00%-41 bps
Efficiency Ratio76.10%76.90%76.83%81.50%80.00%+390 bps
Non-Interest Burden2.94%3.06%2.96%3.03%2.90%-4 bps
Growth
Asset Growth (YoY)7.31%5.83%17.55%15.20%20.58%+1,327 bps
Loan Growth (YoY)4.91%6.62%4.90%3.50%7.32%+241 bps
Deposit Growth (YoY)2.37%2.49%8.63%7.13%15.61%+1,323 bps
Asset Quality
Nonperforming Loans / Loans3.06%3.14%1.94%1.54%1.89%-117 bps
Net Charge-Offs / Loans0.40%0.33%0.61%0.22%0.23%-17 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.28%9.56%9.11%8.54%8.34%-94 bps
Total Risk-Based Capital16.00%15.68%15.37%15.55%15.27%-73 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits87.85%90.01%86.65%82.06%81.55%-630 bps
Liquid Assets / Assets11.57%11.30%10.27%9.83%9.53%-204 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Bank of Guam

Hagatna, GU · Cert 20884 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Bankguam Holding Co.

State charter, non-member · FDIC · 16 branches

Q2 2026

$3.2BAssets
$1.8BLoans
$2.2BDeposits
$228.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks $1B-$10B in assets operating regionally (rank 35 of 178).
  • Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating regionally (rank 172 of 178).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.61%

Rank 163 of 178

Net Interest Margin

3.98%

Rank 35 of 178

Efficiency Ratio

80.00%

Rank 169 of 178

Equity / Assets

7.07%

Rank 172 of 178

Non-interest income vs. expense

$48.0M$141.4MINCOMEEXPENSE
Unfavorable gap of $93.4M · efficiency ratio beats 6% of banks $1B-$10B in assets operating regionally
Bank 80.00%Peer median 58.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.91%1.25%1.53%Beats 8%163 / 178
Return on Equity8.63%9.18%11.89%14.44%Beats 21%141 / 178
Net Interest Margin3.98%3.22%3.56%3.91%Beats 80%35 / 178
Efficiency Ratio80.00%52.04%58.90%67.10%Beats 6%169 / 178
Asset Quality
Nonperforming Loans / Loans1.89%0.29%0.60%1.26%Beats 11%160 / 178
Net Charge-Offs / Loans0.18%0.01%0.03%0.10%Beats 11%159 / 178
Capital
Tier 1 Capital Ratio14.01%11.19%12.72%14.14%Beats 72%49 / 178
Total Risk-Based Capital Ratio15.27%11.91%13.63%15.33%Beats 74%46 / 178
Equity / Assets7.07%9.12%10.35%11.80%Beats 3%172 / 178
Liquidity & Funding
Loans / Deposits81.55%80.94%89.92%97.12%28th pctl129 / 178
Loans / Assets54.94%69.25%75.52%80.96%3rd pctl172 / 178
Brokered Deposits / Depositsn/aNot reported for this institution