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Bank of Guam
Hagatna, GU·FDIC Cert #20884·Charter: STATE·Est. 19721211.0·HC: BANKGUAM HOLDING CO
Total Assets
$3.0B
Q4 2025
Return on Assets
0.85%
+0.14%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
76.84%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.85%+0.14
ROE
10.84%+1.98
Efficiency
76.84%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
1.98%-1.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
61.97%-6.03
Charge-offs
0.63%+0.30
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 0.9 | 0.3 | 0.7 | 0.7 | 0.8 |
| ROE | 12.7 | 14.0 | 13.7 | 12.7 | 4.0 | 9.6 | 8.9 | 10.8 |
| Efficiency | 77.4 | 76.6 | 76.8 | 77.7 | 80.3 | 76.1 | 76.9 | 76.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.5 | 2.3 | 3.0 | 4.9 | 3.1 | 3.2 | 2.0 |
| Charge-offs | 2.3 | 1.2 | 0.8 | 0.6 | 0.3 | 0.4 | 0.3 | 0.6 |
| Loan/Deposit | 66.4 | 68.4 | 67.6 | 69.9 | 66.0 | 67.1 | 68.0 | 62.0 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.7B
Total Loans$1.7B
Total Equity$224.2M
Profitability
ROA0.85%
ROE10.84%
Efficiency Ratio76.84%
Net Income$23.2M
Risk & Asset Quality
NPL Ratio1.98%
Charge-off Rate0.63%
Loan/Deposit61.97%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans