Bank of Guam: how it compares with its peers
Against 464 U.S. banks with half to twice its assets, Bank of Guam's strongest measure in Q2 2026 is net interest margin (4.38% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (80.00% vs. 58.58%).
| Measure | Bank of Guam | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.63% | 1.27% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 3.67% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.00% | 58.58% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $9.1M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.98% | 88.52% | Context |
What it means for lending operations
Its efficiency ratio of 80.00% is above the 58.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Western Trust Bank Denver, CO · $3.24B
- STAR Financial Bank Fort Wayne, IN · $3.23B
- Academy Bank, National Association Kansas City, MO · $3.23B
- Georgia Banking Company Atlanta, GA · $3.26B
- Bristol County Savings Bank Taunton, MA · $3.26B
Questions about Bank of Guam
How big is Bank of Guam?
Bank of Guam, established in 1972, is headquartered in Hagatna, GU. It reported $3.24B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Bank of Guam's return on assets?
0.63% annualized in Q2 2026, against a 1.27% median for 464 U.S. banks with half to twice its assets, ahead of 11% of them.
What is Bank of Guam's efficiency ratio?
80.00% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 58.58%, and lower is better.
Is Bank of Guam growing its loans?
Net loans grew 7.5% over the year to Q2 2026, while deposits grew 22.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank.