Bankpacific, Ltd.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bankpacific, Ltd. of Hagatna, GU against its peer group of 2757 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 | 0.81% | 1.25% | -0.44% | 22nd bottom |
| ROAE | 6.84% | 13.17% | -6.33% | 20th bottom |
| Net Interest Margin | 5.44% | 3.95% | +1.49% | 97th top |
| Efficiency Ratio | 80.91% | 61.50% | +19.41% | 12th bottom |
| PPNR / Avg Assets | 1.06% | — | — | 22nd bottom |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 42nd below |
| Cost of Funds | 0.01% | 1.87% | -1.86% | 100th top |
| Net Interest Spread | 5.44% | — | — | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.56% | 0.93% | +1.63% | 9th bottom |
| NPA / Total Assets | 1.58% | — | — | 11th bottom |
| NCO / Avg Loans | 0.33% | 0.15% | +0.18% | 9th bottom |
| ACL / Total Loans | 0.97% | — | — | 23rd bottom |
| ACL / NPLs (Coverage) | 37.78% | — | — | 6th bottom |
| Texas Ratio | 14.99% | 6.06% | +8.93% | 10th bottom |
| Provision / NCO | 24.54% | — | — | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.81% | 17.18% | +9.63% | 90th top |
| Tier 1 Ratio | 26.81% | 17.21% | +9.60% | 90th top |
| Total Capital Ratio | 27.94% | — | — | 90th top |
| Leverage Ratio | 11.91% | 11.75% | +0.16% | 64th above |
| Equity / Assets | 11.60% | 10.98% | +0.62% | 67th above |
| TCE / Tangible Assets | 11.60% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.57% | 80.44% | -23.87% | 87th top |
| Core Deposit Ratio | 85.89% | 86.95% | -1.06% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.89% | — | — | 68th above |
| Loan Growth (Y/Y) | -1.36% | — | — | 17th bottom |
| Deposit Growth (Y/Y) | 7.22% | — | — | 71st above |
See Bankpacific, Ltd.'s peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bankpacific, Ltd., 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 Bankpacific, Ltd. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bankpacific, Ltd. peer analysis.