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Bankpacific, Ltd.

Hagatna, GU · Cert 30692 · Marianas Finance Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

17

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankpacific, Ltd.

Hagatna, GU · Cert 30692 · Marianas Finance Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$191.9MAssets
$94.5MLoans
$144.4MDeposits
$22.2MEquity
Loan mix
69%RE $64.2M10%C&I $8.9M21%Consumer $19.8MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $94.6M34%Noninterest $49.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.72%, up 12 bps year over year; NIM at 4.96%.
  • Asset quality: problem loans at 3.03% of loans (-167 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 11.91%, down 6 bps from a year ago.
  • Funding: loans stand at 65.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.72%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.96%-26 bps YoY

Efficiency Ratio (YTD, annualized)

82.61%-134 bps YoY

Tier 1 Leverage Ratio

11.91%-6 bps YoY

NIM

5.55%Q2 ’245.22%Q2 ’254.97%Q2 ’26-6%-5%

Non-interest income vs. expense

5.57%Q2 ’245.26%Q2 ’254.86%Q2 ’26-7%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.49%0.51%0.60%0.78%0.77%0.63%0.72%+12 bps
Return on Equity4.84%4.30%4.33%5.09%6.57%6.43%5.32%6.08%+99 bps
Net Interest Margin5.56%5.52%5.11%5.21%5.35%5.49%4.98%4.96%-26 bps
Efficiency Ratio85.83%86.59%85.67%83.96%80.97%82.10%84.34%82.61%-134 bps
Non-Interest Burden4.71%4.72%4.31%4.29%4.21%4.40%4.13%4.01%-29 bps
Growth
Asset Growth (YoY)-4.52%-6.05%-1.74%2.61%-1.98%0.73%5.60%6.89%+429 bps
Loan Growth (YoY)-0.04%-1.33%0.68%0.94%-1.45%-5.12%-4.64%-1.36%-229 bps
Deposit Growth (YoY)-4.92%-9.65%-3.64%2.01%-3.99%0.97%6.79%8.59%+659 bps
Asset Quality
Nonperforming Loans / Loans3.72%3.82%5.00%4.70%3.56%2.99%2.74%3.03%-167 bps
Net Charge-Offs / Loans0.08%0.07%0.23%0.15%0.26%0.21%0.37%0.34%+19 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 Ratio11.70%11.84%11.50%11.98%12.01%12.38%11.87%11.91%-6 bps
Total Risk-Based Capital26.38%26.11%25.62%26.48%27.70%28.49%28.04%27.94%+146 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.04%73.04%74.18%72.10%72.93%68.63%66.24%65.49%-661 bps
Liquid Assets / Assets22.20%24.95%19.31%19.05%22.73%22.12%26.07%25.46%+642 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankpacific, Ltd.

Hagatna, GU · Cert 30692 · Peer group: banks under $1B in assets operating regionally (n=94) · Marianas Finance Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$191.9MAssets
$94.5MLoans
$144.4MDeposits
$22.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks under $1B in assets operating regionally (rank 3 of 94).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating regionally (rank 89 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.69%

Rank 76 of 94

Net Interest Margin

4.96%

Rank 4 of 94

Efficiency Ratio

83.65%

Rank 79 of 94

Equity / Assets

11.60%

Rank 21 of 94

Non-interest income vs. expense

$1.6M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 17% of banks under $1B in assets operating regionally
Bank 83.65%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.69%0.82%1.19%1.46%Beats 19%76 / 94
Return on Equity5.99%7.85%11.84%14.03%Beats 18%77 / 94
Net Interest Margin4.96%3.42%3.81%4.18%Beats 96%4 / 94
Efficiency Ratio83.65%55.99%62.41%73.02%Beats 17%79 / 94
Asset Quality
Nonperforming Loans / Loans3.03%0.19%0.47%1.14%Beats 6%89 / 94
Net Charge-Offs / Loans0.20%0.00%0.02%0.05%Beats 10%86 / 94
Capital
Tier 1 Capital Ratio26.81%10.28%11.95%15.07%Beats 97%3 / 94
Total Risk-Based Capital Ratio27.94%10.31%12.59%15.88%Beats 97%3 / 94
Equity / Assets11.60%8.98%10.21%11.41%Beats 78%21 / 94
Liquidity & Funding
Loans / Deposits65.49%72.62%84.44%94.55%13th pctl82 / 94
Loans / Assets49.28%62.50%72.84%78.99%6th pctl88 / 94
Brokered Deposits / Depositsn/aNot reported for this institution