BanksBANK OF GUAM

BANK OF GUAM

HAGATNA, GULargeEst. Dec. 11, 1972, midnightFDIC #20884RSSD #711472FDIC
Latest · 2025-12-31

BANK OF GUAM is an FDIC-insured commercial bank headquartered in HAGATNA, GU, established in Dec. 11, 1972, midnight. As of 2025-12-31, the bank reported total assets of $3.0B and total deposits of $2.7B. Profitability stands at 1.27% ROA and 16.35% ROE, with a net interest margin of 4.76%. CET1 capital ratio: 14.14%, well above regulatory minimums. NPL ratio: 1.84% · Texas Ratio: 12.52%. Operates 17 domestic branches.

Assets
$3.0B
Deposits
$2.7B
Loans
$1.7B
Equity
$224M

Profitability

Return on Assets (ROA)1.27%
Return on Equity (ROE)16.35%
Net Interest Margin4.76%
Yield on Assets5.39%
Cost of Funds0.64%

Asset Quality

NPL Ratio1.84%
Net Charge-Off Ratio0.61%
Texas Ratio12.52%
NPA Ratio1.05%
ACL / Loans1.68%

Capital & Liquidity

CET1 Ratio14.14%
Tier 1 Capital14.14%
Total Capital Ratio15.39%
Leverage Ratio9.12%
Loan-to-Deposit63.02%

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