Bankpacific, Ltd.
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Data as of · sourced from FFIEC call reports. How we update
Bankpacific, Ltd. is an FDIC-insured commercial bank headquartered in Hagatna, GU, established in 1953 (FDIC certificate 30692), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $191.9M, up 6.9% from Q2 2025, the 2nd largest of 2 banks headquartered in GU. Its CET1 capital ratio was 26.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30692
- Headquarters
- Hagatna, GU
- Established
- 1953
- Total assets, Q2 2026
- $191.9M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 26.81%
- Domestic offices
- 0 FDIC institution directory, current count
- Routing number
- 321470364
- Holding company
- BANCPACIFIC FINANCIAL HOLDING CORPORATION
- Asset rank in state
- 2nd of 2 in GU
Bankpacific, Ltd. earns an unusually wide margin on its lending. The Hagatna, GU bank had $192 million in assets at June 30, 2026, up 6.9% from a year earlier. It keeps 5.44 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.01% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.03% of loans, down from 4.70% a year earlier. Delinquency has appeared in its $11 million commercial and industrial book: 3.13% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 15.0% of the capital and reserves that would absorb them, 5.7 times the median of 2.6% for banks its size.
As of June 30, 2026, Bankpacific, Ltd. reported a CET1 capital ratio of 26.81%, a return on assets of 0.81%, a nonperforming-loan ratio of 3.03% and a Texas ratio of 14.99%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $191.9M, loans rose 1.8% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.3% of total loans, ahead of commercial and industrial loans at 11.8%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 3 states; its Hagatna office books 46% of its branch deposits. Judged on its Q2 2026 call report, Bankpacific, Ltd. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 151 Aspinall Ave, Hagatna, GU 96910
- County
- Guam
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- January 1, 1953
- Employees (FTE)
- 92
- Domestic deposits
- $144.4M
- Allowance for credit losses
- $915K
- Net charge-offs (YTD)
- $163K
- Average total assets
- $186.7M
- Average total loans
- $93.2M
- Average interest-bearing deposits
- $110.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30692
- Fed RSSD
- 364270
- Website
- www.bankpacific.com →
- Parent Holding Company
- BANCPACIFIC FINANCIAL HOLDING CORPORATION (RSSD 3842911)
- Ultimate Parent
- MARIANAS FINANCE CORPORATION (RSSD 3842920)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bankpacific, Ltd.'s total assets ranged from $172.8M (Q3 2025) to $191.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$191.9M total assets against $179.5M; $169.6M total liabilities against $158.4M.
$93.6M net loans and leases against $94.8M; $167.1M total deposits against $155.9M.
$48.9M securities against $34.2M; $37.2M cash and balances due against $38.8M.
$2.3M total interest income against $2.3M; $4K total interest expense against $3K.
$2.3M net interest income against $2.3M.
$401K total noninterest income against $414K; $2.2M total noninterest expense against $2.2M.
$19K provision for credit losses against $61K.
$377K net income against $306K.
0.81% return on assets against 0.69%; 5.44% net interest margin against 5.64%.
26.81% CET1 capital ratio against 25.23%; 11.91% tier 1 leverage ratio against 11.98%.
Inside the full Bankpacific, Ltd. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Bankpacific, Ltd. rankings
Its closest position to the top of a national ranking is 121 of 2,134, for CET1 ratio; its furthest is 3,280 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.32% (Q4 2024) to 1.13% (Q3 2025) and its net interest margin ran from 5.35% (Q1 2026) to 6.22% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.81% | 0.81% | 3.03% | 14.99% | 5.44% |
| Q1 2026 | 26.83% | 0.63% | 2.74% | 11.15% | 5.35% |
| Q4 2025 | 27.24% | 0.74% | 2.99% | 11.92% | 6.16% |
| Q3 2025 | 26.45% | 1.13% | 3.56% | 14.76% | 6.22% |
| Q2 2025 | 25.23% | 0.69% | 4.70% | 20.29% | 5.64% |
| Q1 2025 | 24.37% | 0.50% | 5.00% | 22.15% | 5.56% |
| Q4 2024 | 24.88% | 0.32% | 3.82% | 16.79% | 5.81% |
| Q3 2024 | 25.17% | 0.47% | 3.72% | 16.30% | 5.88% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bankpacific, Ltd | Hagatna , GU | 96910 | $76.5M |
| Marine Drive Branch | Tamuning , GU | 96913 | $26.0M |
| West Marine Drive Branch | Dededo , GU | 96912 | $22.8M |
| Palau Branch | Koror , PW | 96940 | $22.8M |
| Saipan Branch - Garapan, Next to the Christo Rai Church | Saipan , MP | 96950 | $10.3M |
| Agat Branch | Agat , GU | 96928 | $8.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 6, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.9% of deposits in GU, rank 4 of 4 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $400K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bankpacific, Ltd.
What are Bankpacific, Ltd.'s total assets?
As of the Q2 2026 filing, Bankpacific, Ltd. reported total assets of $191.9 million in its FFIEC call report.
Where is Bankpacific, Ltd. headquartered?
It is headquartered in Hagatna, GU, United States.
When was Bankpacific, Ltd. founded?
It was established in 1953, per the FDIC institution directory.
Is Bankpacific, Ltd. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankpacific, Ltd.?
Bankpacific, Ltd.'s primary federal regulator is the FDIC.
What is Bankpacific, Ltd.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Bankpacific, Ltd.'s Texas Ratio?
Its Texas Ratio is 14.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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