Bank of Guam: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 10.81 percentage points in Q2 2026, from 103.30% to 92.50%. It was the largest change from Q1 2026 among the key lines here. Against a median of 1.28% for banks in the $1B-10B asset tier, Bank of Guam reported 0.54% on return on assets in Q2 2026, 0.74 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 8.34% |
| Equity capital to assets | 7.07% |
| Tangible equity to tangible assets | 7.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.94% |
| Non-performing assets ratio | 1.07% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 14.41% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | 92.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 7.58% |
| Net interest margin | 4.38% |
| Efficiency ratio | 77.98% |
| Yield on earning assets | 5.18% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.06% |
| Core deposits to total deposits | 73.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.47% |
| Securities to assets | 25.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.11% | 14.41% | 15.66% | 9.01% | 1.54% |
| Q4 2023 | 13.72% | 14.01% | 15.26% | 9.29% | 0.48% |
| Q1 2024 | 14.09% | 14.09% | 15.34% | 9.12% | 0.88% |
| Q2 2024 | 14.40% | 14.40% | 15.66% | 9.42% | 1.08% |
| Q3 2024 | 14.39% | 14.39% | 15.64% | 9.38% | 0.98% |
| Q4 2024 | 14.43% | 14.43% | 15.68% | 9.79% | 0.74% |
| Q1 2025 | 14.24% | 14.24% | 15.50% | 9.50% | 0.31% |
| Q2 2025 | 14.74% | 14.74% | 16.00% | 9.28% | 1.12% |
| Q3 2025 | 14.42% | 14.42% | 15.68% | 9.56% | 0.60% |
| Q4 2025 | 14.12% | 14.12% | 15.37% | 9.11% | 1.20% |
| Q1 2026 | 14.29% | 14.29% | 15.55% | 8.54% | 0.71% |
| Q2 2026 | 14.01% | 14.01% | 15.27% | 8.34% | 0.54% |
Bank of Guam vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Guam, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)