Hagatna, GU · Cert 20884 · Bankguam Holding Co.
State charter, non-member · FDIC · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
12
Profitability
36
Liquidity
52
Efficiency
6
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.
Hagatna, GU · Cert 20884 · Bankguam Holding Co.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #54 of 69 inst. · $0.1B of $513.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.95% | 0.31% | 0.75% | 0.70% | 0.83% | 0.72% | 0.63% | -12 bps | |
| Return on Equity | 13.72% | 12.70% | 4.03% | 9.58% | 8.86% | 10.60% | 9.86% | 8.71% | -86 bps | |
| Net Interest Margin | 4.57% | 4.65% | 4.26% | 4.41% | 4.50% | 4.35% | 4.07% | 4.00% | -41 bps | |
| Efficiency Ratio | 76.83% | 77.68% | 80.27% | 76.10% | 76.90% | 76.83% | 81.50% | 80.00% | +390 bps | |
| Non-Interest Burden | 3.08% | 3.20% | 3.07% | 2.94% | 3.06% | 2.96% | 3.03% | 2.90% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.20% | 0.51% | 6.81% | 7.31% | 5.83% | 17.55% | 15.20% | 20.58% | +1,327 bps | |
| Loan Growth (YoY) | 6.33% | 3.56% | 6.01% | 4.91% | 6.62% | 4.90% | 3.50% | 7.32% | +241 bps | |
| Deposit Growth (YoY) | 0.36% | 0.62% | 3.41% | 2.37% | 2.49% | 8.63% | 7.13% | 15.61% | +1,323 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.28% | 3.00% | 4.85% | 3.06% | 3.14% | 1.94% | 1.54% | 1.89% | -117 bps | |
| Net Charge-Offs / Loans | 0.77% | 0.60% | 0.28% | 0.40% | 0.33% | 0.61% | 0.22% | 0.23% | -17 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.38% | 9.79% | 9.50% | 9.28% | 9.56% | 9.11% | 8.54% | 8.34% | -94 bps | |
| Total Risk-Based Capital | 15.64% | 15.68% | 15.50% | 16.00% | 15.68% | 15.37% | 15.55% | 15.27% | -73 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.53% | 89.74% | 84.94% | 87.85% | 90.01% | 86.65% | 82.06% | 81.55% | -630 bps | |
| Liquid Assets / Assets | 12.06% | 12.16% | 11.41% | 11.57% | 11.30% | 10.27% | 9.83% | 9.53% | -204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Hagatna, GU · Cert 20884 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bankguam Holding Co.
State charter, non-member · FDIC · 16 branches
Q2 2026
Return on Assets
0.61%
Rank 161 of 176
Net Interest Margin
4.00%
Rank 35 of 176
Efficiency Ratio
80.00%
Rank 167 of 176
Equity / Assets
7.07%
Rank 170 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.93% | 1.26% | 1.54% | Beats 9% | 161 / 176 | ||
| Return on Equity | 8.63% | 9.26% | 11.89% | 14.46% | Beats 19% | 143 / 176 | ||
| Net Interest Margin | 4.00% | 3.25% | 3.59% | 3.93% | Beats 80% | 35 / 176 | ||
| Efficiency Ratio | 80.00% | 52.79% | 59.55% | 67.66% | Beats 6% | 167 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.89% | 0.30% | 0.64% | 1.32% | Beats 11% | 158 / 176 | ||
| Net Charge-Offs / Loans | 0.18% | 0.01% | 0.04% | 0.10% | Beats 12% | 155 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.01% | 11.15% | 12.72% | 14.15% | Beats 72% | 49 / 176 | ||
| Total Risk-Based Capital Ratio | 15.27% | 11.81% | 13.63% | 15.33% | Beats 74% | 45 / 176 | ||
| Equity / Assets | 7.07% | 9.16% | 10.35% | 11.80% | Beats 3% | 170 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.55% | 80.94% | 89.73% | 97.21% | 27th pctl | 128 / 176 | ||
| Loans / Assets | 54.94% | 69.25% | 75.12% | 80.82% | 3rd pctl | 170 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||