FDIC Cert #30692 · Hagatna, Guam · Est. 1953

BankPacific, Ltd - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$178M
Total assets
B
Health grade · Good
0.77%
Return on assets
27.2%
Tier 1 capital

Data updated July 2026

The verdict

BankPacific, Ltd earns a PlainBankData health grade of B (70/100), with well-capitalized at 27.24% Tier 1, 0.77% ROA, 82% efficiency ratio.

#3,164
largest of 4,313 FDIC banks by assets
27th
percentile by asset size, nationally
27.24%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30692 · GU B · 70/100

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

  • GRADE-B B (70/100)
  • MID-PACK #3053/4307
  • PHOTO-FINISH Abbeville First Bank… · SC
  • TIER1-WELL 27.2% Tier 1
  • TEXAS-CLEAN 11.9% Texas
  • ROA-PAR 0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Guam: Abbeville First Bank, SSB, SC (±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 BankPacific, Ltd

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

Morgan Stanley Bank,… · UT ·…100/100Abbeville First Bank… · SC ·…70/100BankPacific, Ltd · GU · this…70/100Cross County Savings… · NY ·…70/100Fidelity Bank, Natio… · KS ·…70/100SSB Community Bank · OH · ne…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BankPacific, Ltd · July 2026

Plate reading for BankPacific, Ltd where failures stay rare

BankPacific, Ltd (FDIC Cert #30692) carries a PlainBankData health grade of B at 70/100, 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 #3,053 of 4,307. Tier 1 capital prints at 27.24%, clearing the 10% well-capitalized line. The Texas Ratio is 11.92%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.77%. Balance-sheet scale is $178M, 3,164th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Abbeville First Bank, SSB (SC), 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 BankPacific, Ltd

Zero FAILURE resolutions in Guam since 2000

BankPacific, Ltd 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 BankPacific, Ltd's 70/100 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 avg77/10070/100
BankPacific, Ltd's composite health score
Tier 1 Capital Ratio (27.24%) 40/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (11.92%) 16/20
Efficiency Ratio (82.10%) 0/15

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

Balance sheet at a glance

Total Assets

$178M

Total balance-sheet footings

Total Deposits

$154M

Customer-funded liabilities

Net Loans

$89M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.84% 27.24% 28.64%
Basel III capital ratios - BankPacific, Ltd

Where BankPacific, Ltd ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankPacific, Ltd's score of 70/100 falls in the highlighted band.

BankPacific, Ltd: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. BankPacific, Ltd 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

BankPacific, Ltd'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). BankPacific, Ltd's $178M falls in the highlighted band.

Safety metrics: BankPacific, Ltd

Tier 1 capital ratio
Well-capitalized 10%

27.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.24%
Texas Ratio
11.92%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: BankPacific, Ltd

Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
6.43%
Efficiency Ratio
82.10%

What these mean →

Income & expense at BankPacific, Ltd

$10M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BankPacific, Ltd reports a Texas Ratio of 11.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BankPacific, Ltd on FDIC BankFind →

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($178M here), outside Guam so the neighborhood is not state containment.

Danville State Savings Bank $178M · IA 42 North Private Bank $178M · MA The First National Bank of Le Center $178M · MN Foundation One Bank $178M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankPacific, Ltd (FDIC Cert #30692) - 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.

BankPacific, Ltd 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
Bank of GuamHagatna $3.0B B 0.83%