Bank of Guam: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.49 percentage points in Q2 2026, from 266.01% to 256.53%. It was the largest change from Q1 2026 among the key lines here. Bank of Guam reported 60.06% on loan-to-deposit ratio for Q2 2026, 28.14 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.78B |
| Net loans and leases | $1.75B |
| Loans held for sale | $0 |
| Loans to total assets | 54.94% |
| Loan-to-deposit ratio | 60.06% |
| Net loans to equity capital | 7.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.57% |
| Multifamily (5+ residential) | 8.13% |
| Commercial and industrial | 11.72% |
| Consumer | 14.90% |
| Credit cards | 0.74% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 256.53% |
| Construction concentration (Tier 1 capital + allowance) | 6.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.93% |
| Interest income on loans | $29.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.51B | $2.35B | 43.55% | 13.15% | 13.53% |
| Q4 2023 | $1.59B | $2.33B | 43.96% | 12.83% | 13.42% |
| Q1 2024 | $1.57B | $2.33B | 44.62% | 12.23% | 13.74% |
| Q2 2024 | $1.58B | $2.27B | 44.15% | 12.62% | 13.96% |
| Q3 2024 | $1.61B | $2.34B | 44.62% | 12.37% | 14.06% |
| Q4 2024 | $1.65B | $2.32B | 44.23% | 12.24% | 14.04% |
| Q1 2025 | $1.67B | $2.47B | 44.90% | 11.87% | 14.68% |
| Q2 2025 | $1.66B | $2.42B | 43.92% | 12.23% | 15.33% |
| Q3 2025 | $1.71B | $2.47B | 45.24% | 11.91% | 15.01% |
| Q4 2025 | $1.73B | $2.74B | 46.24% | 12.26% | 15.18% |
| Q1 2026 | $1.72B | $2.87B | 47.73% | 10.82% | 15.51% |
| Q2 2026 | $1.78B | $2.96B | 48.57% | 11.72% | 14.90% |
Bank of Guam loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Guam, freeSource: Call Report Schedule RC-C, 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)