Hagatna, GU · Cert 30692 · Marianas Finance Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 0.60% | 0.78% | 0.77% | 0.63% | 0.72% | +12 bps | |
| Return on Equity | 5.09% | 6.57% | 6.43% | 5.32% | 6.08% | +99 bps | |
| Net Interest Margin | 5.21% | 5.35% | 5.49% | 4.98% | 4.96% | -26 bps | |
| Efficiency Ratio | 83.96% | 80.97% | 82.10% | 84.34% | 82.61% | -134 bps | |
| Non-Interest Burden | 4.29% | 4.21% | 4.40% | 4.13% | 4.01% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.61% | -1.98% | 0.73% | 5.60% | 6.89% | +429 bps | |
| Loan Growth (YoY) | 0.94% | -1.45% | -5.12% | -4.64% | -1.36% | -229 bps | |
| Deposit Growth (YoY) | 2.01% | -3.99% | 0.97% | 6.79% | 8.59% | +659 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.70% | 3.56% | 2.99% | 2.74% | 3.03% | -167 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.26% | 0.21% | 0.37% | 0.34% | +19 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 | 11.98% | 12.01% | 12.38% | 11.87% | 11.91% | -6 bps | |
| Total Risk-Based Capital | 26.48% | 27.70% | 28.49% | 28.04% | 27.94% | +146 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.10% | 72.93% | 68.63% | 66.24% | 65.49% | -661 bps | |
| Liquid Assets / Assets | 19.05% | 22.73% | 22.12% | 26.07% | 25.46% | +642 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |