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
Unfavorable gap of $7.5M · efficiency ratio beats 17% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.82% | 1.19% | 1.46% | Beats 19% | 76 / 94 | |
| Return on Equity | 5.99% | 7.85% | 11.84% | 14.03% | Beats 18% | 77 / 94 | |
| Net Interest Margin | 4.96% | 3.42% | 3.81% | 4.18% | Beats 96% | 4 / 94 | |
| Efficiency Ratio | 83.65% | 55.99% | 62.41% | 73.02% | Beats 17% | 79 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.03% | 0.19% | 0.47% | 1.14% | Beats 6% | 89 / 94 | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.02% | 0.05% | Beats 10% | 86 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 26.81% | 10.28% | 11.95% | 15.07% | Beats 97% | 3 / 94 | |
| Total Risk-Based Capital Ratio | 27.94% | 10.31% | 12.59% | 15.88% | Beats 97% | 3 / 94 | |
| Equity / Assets | 11.60% | 8.98% | 10.21% | 11.41% | Beats 78% | 21 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 65.49% | 72.62% | 84.44% | 94.55% | 13th pctl | 82 / 94 | |
| Loans / Assets | 49.28% | 62.50% | 72.84% | 78.99% | 6th pctl | 88 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |