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Bank of Guam

Hagatna, GU · Cert 20884 · Bankguam Holding Co.

State charter, non-member · FDIC · 16 branches

Q2 2026

$3.2BAssets
$1.8BLoans
$2.2BDeposits
$228.7MEquity
Loan mix
73%RE $1.2B11%C&I $0.2B16%Consumer $0.3BQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $1.4B34%Noninterest $0.7BQ3 2024Q2 2026

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #54 of 69 inst. · $0.1B of $513.2B

36.1% Guam
64.3% Saipan
46.8% Koror
100.0% Majuro

Executive Summary

  • Earnings: ROA of 0.63%, down 12 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.89% of loans (-117 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 8.34%, down 94 bps from a year ago.
  • Funding: loans stand at 81.55% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.63%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-41 bps YoY

Efficiency Ratio (YTD, annualized)

80.00%+390 bps YoY

Tier 1 Leverage Ratio

8.34%-94 bps YoY

NIM

4.79%Q2 ’244.71%Q2 ’254.72%Q2 ’26-6%-9%

Non-interest income vs. expense

5.03%Q2 ’244.67%Q2 ’254.39%Q2 ’26-6%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.95%0.31%0.75%0.70%0.83%0.72%0.63%-12 bps
Return on Equity13.72%12.70%4.03%9.58%8.86%10.60%9.86%8.71%-86 bps
Net Interest Margin4.57%4.65%4.26%4.41%4.50%4.35%4.07%4.00%-41 bps
Efficiency Ratio76.83%77.68%80.27%76.10%76.90%76.83%81.50%80.00%+390 bps
Non-Interest Burden3.08%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 / Loans2.28%3.00%4.85%3.06%3.14%1.94%1.54%1.89%-117 bps
Net Charge-Offs / Loans0.77%0.60%0.28%0.40%0.33%0.61%0.22%0.23%-17 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.38%9.79%9.50%9.28%9.56%9.11%8.54%8.34%-94 bps
Total Risk-Based Capital15.64%15.68%15.50%16.00%15.68%15.37%15.55%15.27%-73 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits86.53%89.74%84.94%87.85%90.01%86.65%82.06%81.55%-630 bps
Liquid Assets / Assets12.06%12.16%11.41%11.57%11.30%10.27%9.83%9.53%-204 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a