Bank of Guam: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Guam of Hagatna, GU against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.54% | 1.46% | -0.92% | 10th bottom |
| ROAE | 7.58% | 12.70% | -5.12% | 19th bottom |
| Net Interest Margin | 4.38% | 3.85% | +0.53% | 85th top |
| Efficiency Ratio | 77.98% | 57.37% | +20.61% | 9th bottom |
| PPNR / Avg Assets | 1.19% | 1.88% | -0.69% | 23rd bottom |
| Yield on Earning Assets | 5.18% | 5.72% | -0.54% | 28th below |
| Cost of Funds | 0.91% | 2.02% | -1.11% | 96th top |
| Net Interest Spread | 3.98% | 3.18% | +0.80% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.94% | 1.00% | +0.94% | 11th bottom |
| NPA / Total Assets | 1.07% | 0.76% | +0.31% | 22nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.25% | 0.43% | -0.18% | 16th bottom |
| ACL / Total Loans | 1.79% | 1.31% | +0.48% | 93rd top |
| ACL / NPLs (Coverage) | 92.50% | 564.96% | -472.46% | 26th below |
| Texas Ratio | 14.41% | 7.38% | +7.03% | 12th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 245.06% | 619.10% | -374.04% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.01% | 17.34% | -3.33% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.01% | 17.37% | -3.36% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.27% | 18.42% | -3.15% | 60th above |
| Leverage Ratio | 8.34% | 11.44% | -3.10% | 4th bottom |
| Equity / Assets | 7.07% | 11.34% | -4.27% | 3rd bottom |
| TCE / Tangible Assets | 7.05% | 10.50% | -3.45% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.06% | 86.99% | -26.93% | 93rd top |
| Core Deposit Ratio | 73.34% | 85.57% | -12.23% | 12th bottom |
| Uninsured Deposit Ratio | 70.62% | 33.08% | +37.54% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.58% | 9.67% | +10.91% | 91st top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.32% | 8.06% | -0.74% | 60th above |
| Deposit Growth (Y/Y) | 22.24% | 7.86% | +14.38% | 92nd top |
See Bank of Guam's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Guam, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Guam profile, how to read a UBPR, or how this data updates.