Bank of Guam
Bank of Guam reported total assets of $3.2 bn at Q2 2026, up 20.6% on a year earlier, the 392nd largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of Guam was 14.01%, and the uninsured share of Bank of Guam was 95.89%. Source: FDIC Call Reports.
Key takeaways
- Bank of Guam has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 95.89% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- On return on equity (ROE), Bank of Guam slipped from 314th to 392nd among 500 US banks between and (1 = highest; FDIC Call Reports).
- The tier 1 leverage ratio of Bank of Guam, 8.34% at , places Bank of Guam in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
What sets Bank of Guam apart
- Few banks of $1 bn to $10 bn report a higher efficiency ratio than Bank of Guam, at 80.00% in against a group median of 56.87%.
- Bank of Guam reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 58.98% at , where the median of the 339 banks is 88.61%.
- Over the year to , the net interest margin of Bank of Guam fell by 0.63 pp to 4.38%, a bigger fall than at 99% of covered banks.
How large is Bank of Guam?
The balance sheet of Bank of Guam at : assets $3.2 bn, deposits $3.0 bn, net loans $1.7 bn (loans equal to 58.98% of deposits). Securities make up 25.8% of total assets at Bank of Guam. Since , when Bank of Guam held $1.7 bn, its assets grew 93.7%. In the year to , deposits at Bank of Guam rose 22.2% while its total assets rose 20.6%. At , Bank of Guam employed 532 full-time equivalent staff across 16 offices, about $6.1 mn of assets per employee and $185.0 mn of deposits per office.
How much funding at Bank of Guam is uninsured?
At Bank of Guam, uninsured deposits (above the FDIC limit) made up 95.89% of domestic deposits at (+8.92 pp on a year earlier); Bank of Guam ranks 4th of 500 on this measure. In dollars, Bank of Guam estimated $2.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.0 bn | +22.2% | 361st of 499 |
| Net loans and leases | $1.7 bn | +7.5% | 469th of 500 |
| Loan-to-deposit ratio | 58.98% | -8.09 pp | 460th of 500 |
| Tier 1 leverage ratio | 8.34% | -0.94 pp | 465th of 500 |
| Total risk-based capital ratio | 15.27% | -0.73 pp | 153rd of 448 |
| Net interest margin | 4.38% | -0.63 pp | 78th of 500 |
| Return on assets (ROA) | 0.63% | -0.12 pp | 457th of 500 |
| Efficiency ratio | 80.00% | +3.90 pp | 475th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $57.7 mn | Narrowed by $5.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $42.1 mn | Narrowed by $4.8 mn | |
| Noncurrent loans to total loans | 1.89% | -1.17 pp | 451st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.23% | -0.17 pp | 364th of 500 (1 = lowest) |
US rank of Bank of Guam: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of Guam: assets, deposits and loans
- Total assets $3.2bn
- Deposits $3.0bn
- Net loans $1.7bn
Capital and securities
The CET1 ratio of Bank of Guam stood at 14.01% in , -0.73 pp year on year. Low and high at Bank of Guam since : 10.69% () to 14.74% (). Equity capital of Bank of Guam at : $228.7 mn, or 7.1% of total assets. Bank of Guam also reported a total capital ratio of 15.27% for , and a tier 1 leverage ratio of 8.34%.
On held-to-maturity securities, Bank of Guam carried an unrealized loss of $57.7 mn at , equal to 25.2% of equity capital. The loss narrowed by $5.2 mn over the year. Its deepest point: $87.0 mn in . The available-for-sale portfolio of Bank of Guam showed an unrealized loss of $42.1 mn at ; the loss narrowed by $4.8 mn over the year.
Bank of Guam: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 8.3%
Bank of Guam: unrealized securities gains and losses
- Available for sale -$42mn
- Held to maturity -$58mn
Profitability and loan quality
For the year to , Bank of Guam earned a return on equity of 8.71%; return on assets: 0.63%. Net interest margin at Bank of Guam: 4.38%, -0.63 pp in a year. Bank of Guam net income: $9.9 mn, down 1.0% year on year. The efficiency ratio of Bank of Guam was 80.00%: about 80 cents cost per revenue dollar, against 66 cents at the median peer.
At , noncurrent loans were 1.89% of total loans at Bank of Guam; net charge-offs: 0.23% of average loans. Gross loans and leases at Bank of Guam: $1.8 bn, up 7.3% in a year.
Bank of Guam: profitability
- Return on equity 8.7%
- Net interest margin 4.4%
- Return on assets 0.6%
Peer group of Bank of Guam
The peer group of Bank of Guam is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Bank of Guam (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Guam. Against them, Bank of Guam shows CET1 ratio 14.01% against a peer median of 15.64%, return on equity 8.71% against a peer median of 8.93% and uninsured deposit share 95.89% against a peer median of 37.92%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bristol County Savings Bank | State nonmember bank | MA | $3.3 bn | 17.84% | 4.27% | 35.78% | |
| Georgia Banking Company | State nonmember bank | GA | $3.3 bn | 11.83% | 10.81% | 44.10% | |
| First Western Trust Bank | State nonmember bank | CO | $3.2 bn | 11.37% | 8.59% | 40.05% | |
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | Federal savings bank | MO | $3.2 bn | 17.49% | 9.28% | 10.75% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of Guam, to : assets +24.8%, deposits +26.5%, equity +11.7%. Staff 538 to 532; offices 17 to 16.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.7 bn | $3.0 bn | $3.1 bn | $3.2 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.5 bn | $2.4 bn | $2.5 bn | $2.7 bn | $2.9 bn | $3.0 bn |
| Bank equity capital | $204.8 mn | $199.6 mn | $207.4 mn | $217.2 mn | $223.4 mn | $223.7 mn | $226.9 mn | $228.7 mn |
| CET1 ratio | 14.39% | 14.43% | 14.24% | 14.74% | 14.42% | 14.12% | 14.29% | 14.01% |
| Return on equity (ROE) | 13.72% | 12.70% | 4.03% | 9.58% | 8.86% | 10.60% | 9.86% | 8.71% |
| Uninsured share of domestic deposits | 84.05% | 84.44% | 86.51% | 86.97% | 88.68% | 97.38% | 98.32% | 95.89% |
| Full-time equivalent employees | 538 | 538 | 545 | 530 | 530 | 526 | 529 | 532 |
| Number of offices | 17 | 17 | 17 | 17 | 17 | 16 | 16 | 16 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Bank of Guam appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Bank of Guam?
Bank of Guam reported $3.2 bn at in its Call Report. That makes Bank of Guam the 392nd largest of 497 banks in our US coverage.
Is Bank of Guam the same as its holding company?
No. This page covers Bank of Guam, FDIC certificate 20884; BANKGUAM HOLDING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of Guam profitable?
Bank of Guam reported net income of $9.9 mn for the year to ; annualized return on equity: 8.71%. So yes: Bank of Guam made a profit over these months.
When is data for Bank of Guam next updated?
Figures from Bank of Guam for are due after .
Where can I check the figures for Bank of Guam?
In the FDIC BankFind Suite record for certificate 20884, and in the Call Reports of Bank of Guam (RSSD ID 711472) at the FFIEC Central Data Repository.