| Metric | Bank of Guam | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.6% | +5.5% | +15.1 pts |
| Deposit growth (YoY) | +22.2% | +5.1% | +17.2 pts |
| Loan growth (YoY) | +7.5% | +5.9% | +1.6 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 8.7% | 12.2% | -3.5 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.24B | $2.96B | $1.75B | $228.7M | $9.9M | 0.63% | 4.38% | 1.04% |
| Q1 2026 | $3.14B | $2.87B | $1.69B | $226.9M | $5.6M | 0.72% | 4.38% | 0.84% |
| Q4 2025 | $3.01B | $2.74B | $1.70B | $223.7M | $22.7M | 0.83% | 4.87% | 1.11% |
| Q3 2025 | $2.74B | $2.47B | $1.68B | $223.4M | $14.1M | 0.70% | 4.98% | 1.96% |
| Q2 2025 | $2.68B | $2.42B | $1.62B | $217.2M | $10.0M | 0.75% | 5.01% | 1.89% |
| Q1 2025 | $2.73B | $2.47B | $1.63B | $207.4M | $2.1M | 0.31% | 4.64% | 2.96% |
| Q4 2024 | $2.56B | $2.32B | $1.62B | $199.6M | $24.2M | 0.95% | 5.08% | 1.92% |
| Q3 2024 | $2.59B | $2.34B | $1.58B | $204.8M | $19.4M | 1.01% | 5.15% | 1.42% |
Loan mix (Q2 2026): real estate $1.24B · commercial $208.8M · consumer $265.4M · securities $835.1M
| Ratio | Bank of Guam | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 59.0% | 93th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Guam | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Guam | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Guam | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Guam | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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