Bank of Guam: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 7.4% in Q2 2026 to $6.0M, the biggest move on this page. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Guam sits 0.67 points higher, at 4.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 6.93% |
| Yield on securities | 2.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.20% |
| Cost of interest-bearing liabilities | 1.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.9M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $3.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.15% | 0.03% | 5.12% | 6.86% | 2.10% |
| Q4 2023 | 5.20% | 0.04% | 5.16% | 6.84% | 2.03% |
| Q1 2024 | 5.13% | 0.10% | 5.04% | 6.68% | 1.93% |
| Q2 2024 | 5.26% | 0.17% | 5.10% | 6.87% | 1.93% |
| Q3 2024 | 5.19% | 0.19% | 5.01% | 6.70% | 1.92% |
| Q4 2024 | 5.07% | 0.22% | 4.86% | 6.59% | 1.83% |
| Q1 2025 | 4.94% | 0.28% | 4.67% | 6.33% | 1.83% |
| Q2 2025 | 5.54% | 0.43% | 5.15% | 7.29% | 1.88% |
| Q3 2025 | 5.37% | 0.52% | 4.90% | 6.99% | 1.91% |
| Q4 2025 | 5.38% | 0.71% | 4.76% | 7.08% | 1.93% |
| Q1 2026 | 5.15% | 0.88% | 4.38% | 6.90% | 2.08% |
| Q2 2026 | 5.18% | 0.91% | 4.38% | 6.93% | 2.31% |
Bank of Guam yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Guam, freeSource: Call Report Schedules RI and RC-K, 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)