Bank of Guam: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The largest change between Q1 2026 and Q2 2026 was in Loans and leases to core deposits, which fell 0.46 percentage points to 81.89%. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Guam sits 28.14 points lower, at 60.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $494.3M |
| Cash and noninterest-bearing balances to assets | 15.28% |
| Cash and securities | $1.33B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.06% |
| Net loans and leases to deposits | 58.98% |
| Loans and leases to core deposits | 81.89% |
| Core deposits to total deposits | 73.34% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 64.28% | 60.62% | $0 | $0 |
| Q4 2023 | 68.36% | 61.81% | $0 | $0 |
| Q1 2024 | 67.49% | 62.58% | $0 | $0 |
| Q2 2024 | 69.56% | 80.70% | $0 | $0 |
| Q3 2024 | 68.68% | 78.94% | $0 | $0 |
| Q4 2024 | 71.03% | 78.66% | $0 | $0 |
| Q1 2025 | 67.32% | 78.74% | $0 | $0 |
| Q2 2025 | 68.41% | 77.61% | $0 | $0 |
| Q3 2025 | 69.41% | 76.84% | $0 | $0 |
| Q4 2025 | 63.02% | 72.46% | $0 | $0 |
| Q1 2026 | 60.13% | 73.01% | $0 | $0 |
| Q2 2026 | 60.06% | 73.34% | $0 | $0 |
Bank of Guam liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Guam, freeSource: Call Report Schedules RC and RC-M, 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)