Bank of Guam: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of Guam is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $3.2B in assets, including $1.8B in loans. Returns are subdued: 0.54% ROA and 7.58% ROE. Capital cushions are healthy: 14.01% CET1, 8.34% Tier 1 leverage. Credit conditions bear watching: 1.94% NPL ratio with a 14.41% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 16 branches concentrated in GU.
As of June 30, 2026, Bank of Guam reported a CET1 capital ratio of 14.01%, a return on assets of 0.54%, a nonperforming-loan ratio of 1.94%, a Texas ratio of 14.41%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 111 W Chalan Santo Papa, 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
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- December 11, 1972
- Offices
- 16 domestic
- Employees (FTE)
- 532
- Domestic deposits
- $2.18B
- Allowance for credit losses
- $31.9M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $3.22B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 11, 1972
- FDIC Cert
- 20884
- Fed RSSD
- 711472
- SEC CIK
- 1527383 → filed by BANKGUAM HOLDING COMPANY
- Website
- www.bankofguam.com →
- Parent Holding Company
- BANKGUAM HOLDING COMPANY (RSSD 4272869)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Guam terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Guam, 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Guam rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Guam: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 0.54% | 1.94% | 14.41% | 4.38% |
| Q1 2026 | 14.29% | 0.71% | 1.67% | 11.90% | 4.38% |
| Q4 2025 | 14.12% | 1.20% | 2.07% | 14.90% | 4.76% |
| Q3 2025 | 14.42% | 0.60% | 3.21% | 22.15% | 4.90% |
| Q2 2025 | 14.74% | 1.12% | 3.19% | 21.67% | 5.15% |
| Q1 2025 | 14.24% | 0.31% | 4.89% | 35.22% | 4.67% |
| Q4 2024 | 14.43% | 0.74% | 3.14% | 23.29% | 4.86% |
| Q3 2024 | 14.39% | 0.98% | 2.76% | 19.64% | 5.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Guam (main office) | Hagatna , GU | 96910 | $1.31B |
| Garapan Branch | Saipan , MP | 96950 | $352.4M |
| Palau Branch | Koror , PW | 96940 | $277.4M |
| Upper Tumon Branch | Tumon , GU | 96913 | $249.3M |
| Majuro Branch | Majuro , MH | 96960 | $237.6M |
| Pohnpei Branch | Pohnpei , FM | 96941 | $187.4M |
| San Francisco Branch | San Francisco , CA | 94104 | $107.9M |
| Tamuning Branch | Tamuning , GU | 96913 | $66.6M |
| Chuuk Branch | Chuuk , FM | 96942 | $52.4M |
| Mangilao Branch | Mangilao , GU | 96913 | $35.9M |
| Yigo Branch | Yigo , GU | 96929 | $28.6M |
| Tinian Facility Branch | Tinian , MP | 96952 | $23.0M |
| Yap Branch | Yap , FM | 96943 | $15.1M |
| Kosrae Branch | Kosrae , FM | 96944 | $10.2M |
| Rota Branch | Rota , MP | 96951 | $8.1M |
| Www.Bankofguam.Com Branch | Hagatna , GU | 96910 | $0 |
Regulatory record
What the public regulatory sources show for Bank of Guam, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 36.1% of deposits in GU, rank 2 of 4 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Guam
What are Bank of Guam's total assets?
As of the Q2 2026 filing, Bank of Guam reported total assets of $3.24 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Guam headquartered?
Bank of Guam is headquartered in Hagatna, GU, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Guam founded?
Bank of Guam was established in 1972, per the FDIC institution directory.
Is Bank of Guam FDIC-insured?
Yes. Bank of Guam is an FDIC-insured commercial bank (FDIC Certificate #20884). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Guam?
Bank of Guam's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Guam's CET1 capital ratio?
Bank of Guam reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Guam operate?
Bank of Guam operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Guam's Texas Ratio?
Bank of Guam's Texas Ratio is 14.41% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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