Bank of Guam
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
$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 176).
- Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating regionally (rank 170 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $93.4M · efficiency ratio beats 6% of banks $1B-$10B in assets operating regionally | 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 |