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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.49% | 0.51% | 0.60% | 0.78% | 0.77% | 0.63% | 0.72% | +12 bps | |
| Return on Equity | 4.84% | 4.30% | 4.33% | 5.09% | 6.57% | 6.43% | 5.32% | 6.08% | +99 bps | |
| Net Interest Margin | 5.56% | 5.52% | 5.11% | 5.21% | 5.35% | 5.49% | 4.98% | 4.96% | -26 bps | |
| Efficiency Ratio | 85.83% | 86.59% | 85.67% | 83.96% | 80.97% | 82.10% | 84.34% | 82.61% | -134 bps | |
| Non-Interest Burden | 4.71% | 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 / Loans | 3.72% | 3.82% | 5.00% | 4.70% | 3.56% | 2.99% | 2.74% | 3.03% | -167 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.23% | 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 | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.70% | 11.84% | 11.50% | 11.98% | 12.01% | 12.38% | 11.87% | 11.91% | -6 bps | |
| Total Risk-Based Capital | 26.38% | 26.11% | 25.62% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.04% | 73.04% | 74.18% | 72.10% | 72.93% | 68.63% | 66.24% | 65.49% | -661 bps | |
| Liquid Assets / Assets | 22.20% | 24.95% | 19.31% | 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 | n/a | n/a | n/a |