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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.70% | 0.83% | 0.72% | 0.63% | -12 bps | |
| Return on Equity | 9.58% | 8.86% | 10.60% | 9.86% | 8.71% | -86 bps | |
| Net Interest Margin | 4.41% | 4.50% | 4.35% | 4.07% | 4.00% | -41 bps | |
| Efficiency Ratio | 76.10% | 76.90% | 76.83% | 81.50% | 80.00% | +390 bps | |
| Non-Interest Burden | 2.94% | 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 / Loans | 3.06% | 3.14% | 1.94% | 1.54% | 1.89% | -117 bps | |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.28% | 9.56% | 9.11% | 8.54% | 8.34% | -94 bps | |
| Total Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.85% | 90.01% | 86.65% | 82.06% | 81.55% | -630 bps | |
| Liquid Assets / Assets | 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 |