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Bank Of Guam
Hagatna, GU · FDIC Certificate #20884 · Chartered 12/1
Total assets
$3.24B
Total deposits
$2.96B
Total equity
$228.73M
Net loans
$1.75B
Branches (offices)
16
Net income (YTD)
$9.87M
Rank: #398 of 4,213 U.S. banks by assets · #1 of 2 in Guam. Assets changed 20.6% and deposits 22.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 8.71% |
| Net interest margin (YTD) | 4.38% |
| Equity to assets | 7.07% |
| Tier 1 leverage ratio | 8.34% |
| Uninsured deposits (share of deposits) | 70.6% |
| Noncurrent loans (share of loans) | 1.89% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 59.0% |
| Real estate loans (share of loans) | 71.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.24B | 71.0% | |
| Commercial & industrial | $208.80M | 12.0% | |
| Consumer / individual | $265.40M | 15.2% | |
| Construction & development | $19.61M | 1.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.65B | $2.46B | $7.31M | $146.23M |
| Jun 2023 | $2.66B | $2.45B | $17.04M | $165.23M |
| Jun 2024 | $2.50B | $2.27B | $12.84M | $186.09M |
| Jun 2025 | $2.68B | $2.42B | $9.96M | $217.23M |
| Jun 2026 | $3.24B | $2.96B | $9.87M | $228.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Guam | $1.69B | 6 |
| Northern Mariana Islands | $383.56M | 3 |
| Palau | $277.42M | 1 |
| Micronesia | $265.05M | 4 |
| Marshall Islands | $237.57M | 1 |
| California | $107.90M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.96B.
Similar-sized banks
First Western Trust Bank ($3.24B) · Star Financial Bank ($3.23B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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