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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 0.61% | 1.20% | 0.72% | 0.54% | -63 bps | |
| Return on Equity | 14.91% | 7.49% | 15.43% | 9.86% | 7.58% | -733 bps | |
| Net Interest Margin | 4.75% | 4.51% | 4.40% | 4.07% | 4.07% | -68 bps | |
| Efficiency Ratio | 72.41% | 78.51% | 76.65% | 81.50% | 78.53% | +612 bps | |
| Non-Interest Burden | 2.96% | 3.18% | 2.99% | 3.03% | 2.88% | -8 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 | 0.52% | 0.20% | 1.48% | 0.22% | 0.24% | -27 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 |