Bank of Guam
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Data as of · sourced from FFIEC call reports. How we update
Bank of Guam is an FDIC-insured commercial bank headquartered in Hagatna, GU, established in 1972 (FDIC certificate 20884), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.24B, up 20.6% from Q2 2025, the largest of 2 banks headquartered in GU. Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20884
- Headquarters
- Hagatna, GU
- Established
- 1972
- Total assets, Q2 2026
- $3.24B
- Assets vs Q2 2025
- +20.6%
- CET1 ratio, Q2 2026
- 14.01%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 121405115
- Latest call report
- Q2 2026, FFIEC 031 · Bank of Guam call report
- Holding company
- BANKGUAM HOLDING COMPANY
- Asset rank in state
- 1st of 2 in GU
Bank of Guam spends more to run itself than most banks of its size. It reported $3.2 billion in assets at June 30, 2026, up 20.6% from a year earlier. It earns about $0.54 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.89% of loans, down from 3.06% a year earlier. Deposits are coming in faster than loans: over the year loans rose 7.3% and deposits rose 22.2%. Where it has less room is capital: it funds 8.34% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Bank of Guam reported a CET1 capital ratio of 14.01%, a return on assets of 0.54%, a nonperforming-loan ratio of 1.89% and a Texas ratio of 12.91%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.0% to $3.24B, loans rose 3.1% and deposits rose 3.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 33.3% of total loans, followed by owner-occupied commercial real estate loans at 15.4%. Its 16 offices in the FDIC Summary of Deposits are in 15 cities across 6 states; its Hagatna 2 offices book 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Guam meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 W Chalan Santo Papa, Hagatna, GU 96910
- County
- Guam
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- December 11, 1972
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 532
- Domestic deposits
- $2.18B
- Allowance for credit losses
- $31.9M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $3.22B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 11, 1972
- FDIC Cert
- 20884
- Fed RSSD
- 711472
- SEC CIK
- 1527383 → filed by BANKGUAM HOLDING COMPANY
- Website
- www.bankofguam.com →
- Parent Holding Company
- BANKGUAM HOLDING COMPANY (RSSD 4272869)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Guam's total assets ranged from $2.50B (Q2 2024) to $3.24B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.24B total assets against $2.68B; $3.01B total liabilities against $2.47B.
$1.75B net loans and leases against $1.62B; $2.96B total deposits against $2.42B.
$835.1M securities against $720.3M; $494.3M cash and balances due against $189.8M.
$38.8M total interest income against $36.1M; $6.0M total interest expense against $2.6M.
$32.8M net interest income against $33.5M.
$11.9M total noninterest income against $12.4M; $35.1M total noninterest expense against $33.2M.
$3.3M provision for credit losses against $2.4M.
$4.3M net income against $7.9M.
0.54% return on assets against 1.12%; 4.38% net interest margin against 5.15%.
14.01% CET1 capital ratio against 14.74%; 8.34% tier 1 leverage ratio against 9.28%.
Inside the full Bank of Guam terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Guam rankings
Its closest position to the top of a national ranking is 16 of 980, for uninsured deposits; its furthest is 3,210 of 3,611, for ROA.
Metric pages for Bank of Guam: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.31% (Q1 2025) to 1.20% (Q4 2025) and its net interest margin ran from 4.38% (Q1 2026) to 5.15% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 0.54% | 1.89% | 12.91% | 4.38% |
| Q1 2026 | 14.29% | 0.71% | 1.54% | 10.36% | 4.38% |
| Q4 2025 | 14.12% | 1.20% | 1.94% | 13.32% | 4.76% |
| Q3 2025 | 14.42% | 0.60% | 3.14% | 20.90% | 4.90% |
| Q2 2025 | 14.74% | 1.12% | 3.06% | 20.36% | 5.15% |
| Q1 2025 | 14.24% | 0.31% | 4.85% | 33.85% | 4.67% |
| Q4 2024 | 14.43% | 0.74% | 3.00% | 21.84% | 4.86% |
| Q3 2024 | 14.39% | 0.98% | 2.28% | 15.93% | 5.01% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Guam (main office) | Hagatna , GU | 96910 | $1.31B |
| Garapan Branch | Saipan , MP | 96950 | $352.4M |
| Palau Branch | Koror , PW | 96940 | $277.4M |
| Upper Tumon Branch | Tumon , GU | 96913 | $249.3M |
| Majuro Branch | Majuro , MH | 96960 | $237.6M |
| Pohnpei Branch | Pohnpei , FM | 96941 | $187.4M |
| San Francisco Branch | San Francisco , CA | 94104 | $107.9M |
| Tamuning Branch | Tamuning , GU | 96913 | $66.6M |
| Chuuk Branch | Chuuk , FM | 96942 | $52.4M |
| Mangilao Branch | Mangilao , GU | 96913 | $35.9M |
| Yigo Branch | Yigo , GU | 96929 | $28.6M |
| Tinian Facility Branch | Tinian , MP | 96952 | $23.0M |
| Yap Branch | Yap , FM | 96943 | $15.1M |
| Kosrae Branch | Kosrae , FM | 96944 | $10.2M |
| Rota Branch | Rota , MP | 96951 | $8.1M |
| Www.Bankofguam.Com Branch | Hagatna , GU | 96910 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 36.1% of deposits in GU, rank 2 of 4 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $2.2M approved, $442K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Guam
What are Bank of Guam's total assets?
As of the Q2 2026 filing, Bank of Guam reported total assets of $3.24 billion in its FFIEC call report.
Where is Bank of Guam headquartered?
It is headquartered in Hagatna, GU, United States.
When was Bank of Guam founded?
It was established in 1972, per the FDIC institution directory.
Is Bank of Guam FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20884). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Guam?
Bank of Guam's primary federal regulator is the FDIC.
What is Bank of Guam's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Guam operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Guam's Texas Ratio?
Its Texas Ratio is 12.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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