FDIC Cert #20884 · Hagatna, Guam · Est. 1972

Bank of Guam - FDIC Bank Health Profile

A community-scale look at Bank of Guam's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.0B
Total assets
B
Health grade · Good
0.83%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Guam earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.12% Tier 1, 0.83% ROA, 77% efficiency ratio.

#420
largest of 4,313 FDIC banks by assets
90th
percentile by asset size, nationally
14.12%
Tier 1 ratio - above the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20884 · GU B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3085/4307
  • PHOTO-FINISH Bank of the Orient · CA
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 13.3% Texas
  • ROA-PAR 0.83% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Guam: Bank of the Orient, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Guam

Lowest and highest poles plus nearest scored peers outside Guam, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100AbbyBank · WI · near69/100ANB Bank · CO · near69/100Bank of Guam · GU · this bank69/100Bank of the Orient · CA · ne…69/100Israel Discount Bank… · NY ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Guam · July 2026

Plate reading for Bank of Guam where failures stay rare

Bank of Guam (FDIC Cert #20884) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,085 of 4,307. Tier 1 capital prints at 14.12%, clearing the 10% well-capitalized line. The Texas Ratio is 13.28%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.83%. Balance-sheet scale is $3.0B, 420th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of the Orient (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Guam

Zero FAILURE resolutions in Guam since 2000

Bank of Guam is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

No FAILURE rows on the Failed Bank List for this state in the loaded window.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Guam banks.

How Bank of Guam's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Bank of Guam's composite health score
Tier 1 Capital Ratio (14.12%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (13.28%) 16/20
Efficiency Ratio (76.83%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.0B

Total balance-sheet footings

Total Deposits

$2.7B

Customer-funded liabilities

Net Loans

$1.7B

Outstanding loan book

Net Income

$23M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.72% 14.12% 15.52%
Basel III capital ratios - Bank of Guam

Where Bank of Guam ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Guam's score of 69/100 falls in the highlighted band.

Bank of Guam: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Guam 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Guam's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Guam's $3.0B falls in the highlighted band.

Safety metrics: Bank of Guam

Tier 1 capital ratio
Well-capitalized 10%

14.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.12%
Texas Ratio
13.28%
Equity Capital
$224M

What these ratios mean →

Profitability metrics: Bank of Guam

Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
10.60%
Efficiency Ratio
76.83%

What these mean →

Income & expense at Bank of Guam

$136M
Interest Income
$48M
Non-Interest Income
$132M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Guam reports a Texas Ratio of 13.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Guam on FDIC BankFind →

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.0B here), outside Guam so the neighborhood is not state containment.

Minnwest Bank $3.0B · MN Bank Independent $3.0B · AL BankNewport $3.0B · RI Centreville Bank $3.0B · RI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Guam (FDIC Cert #20884) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Guam Call Report profile · FDIC Failed Bank List · Guam FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Guam

All Guam banks →
BankAssetsGradeROA
BankPacific, LtdHagatna $178M B 0.77%