Bank of Guam: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 3.3% in Q2 2026 to -$40.5M, the biggest move on this page. Bank of Guam reported 14.01% on CET1 ratio for Q2 2026, 0.53 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 8.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $268.4M |
| Tier 1 capital | $268.4M |
| Total risk-based capital | $292.5M |
| Total equity capital | $228.7M |
| Risk-weighted assets | $1.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.07% |
| Tangible equity to tangible assets | 7.05% |
| Equity capital to average assets | 7.10% |
| Internal capital growth rate | 5.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.9M |
| Common stock surplus | $23.2M |
| Retained earnings | $235.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$40.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.11% | 14.41% | 15.66% | 9.01% | $1.67B |
| Q4 2023 | 13.72% | 14.01% | 15.26% | 9.29% | $1.72B |
| Q1 2024 | 14.09% | 14.09% | 15.34% | 9.12% | $1.71B |
| Q2 2024 | 14.40% | 14.40% | 15.66% | 9.42% | $1.71B |
| Q3 2024 | 14.39% | 14.39% | 15.64% | 9.38% | $1.75B |
| Q4 2024 | 14.43% | 14.43% | 15.68% | 9.79% | $1.76B |
| Q1 2025 | 14.24% | 14.24% | 15.50% | 9.50% | $1.79B |
| Q2 2025 | 14.74% | 14.74% | 16.00% | 9.28% | $1.77B |
| Q3 2025 | 14.42% | 14.42% | 15.68% | 9.56% | $1.83B |
| Q4 2025 | 14.12% | 14.12% | 15.37% | 9.11% | $1.85B |
| Q1 2026 | 14.29% | 14.29% | 15.55% | 8.54% | $1.86B |
| Q2 2026 | 14.01% | 14.01% | 15.27% | 8.34% | $1.92B |
Bank of Guam regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Guam, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Guam profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20884) · FFIEC NIC profile (RSSD 711472)