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
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% | 0.91% | 1.25% | 1.53% | Beats 8% | 163 / 178 | | |
| Return on Equity | 8.63% | 9.18% | 11.89% | 14.44% | Beats 21% | 141 / 178 | | |
| Net Interest Margin | 3.98% | 3.22% | 3.56% | 3.91% | Beats 80% | 35 / 178 | | |
| Efficiency Ratio | 80.00% | 52.04% | 58.90% | 67.10% | Beats 6% | 169 / 178 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.89% | 0.29% | 0.60% | 1.26% | Beats 11% | 160 / 178 | | |
| Net Charge-Offs / Loans | 0.18% | 0.01% | 0.03% | 0.10% | Beats 11% | 159 / 178 | | |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 11.19% | 12.72% | 14.14% | Beats 72% | 49 / 178 | | |
| Total Risk-Based Capital Ratio | 15.27% | 11.91% | 13.63% | 15.33% | Beats 74% | 46 / 178 | | |
| Equity / Assets | 7.07% | 9.12% | 10.35% | 11.80% | Beats 3% | 172 / 178 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.55% | 80.94% | 89.92% | 97.12% | 28th pctl | 129 / 178 | | |
| Loans / Assets | 54.94% | 69.25% | 75.52% | 80.96% | 3rd pctl | 172 / 178 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |