BlastPoint's Banking Scorecard
Bank of Guam
Community
Specialty: Commercial
GU
FDIC cert 20884
Hagatna, GU
1484
banks in Community tier nationally
1 in GU
View Community leaderboard (GU) →
Bank of Guam has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 37% in Community
- + Revenue Diversifier: Top 39% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+17.6% YoY
+9.9% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$1.6B
+16.5% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$1.7B
+4.9% YoY
+1.1% QoQ
|
+$722.3M |
$975.5M
+2.4% YoY
|
$893.4M
+4.3% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$2.7B
+18.2% YoY
+11.0% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$1.4B
+17.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
0.85%
-10.8% YoY
+20.7% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
0.81%
+12.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
4.87%
-4.3% YoY
-2.2% QoQ
|
+1.20% |
3.66%
+9.1% YoY
|
5.40%
-1.5% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
76.84%
-1.1% YoY
-0.1% QoQ
|
+14.21% |
62.63%
-5.3% YoY
|
79.47%
-3.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
1.98%
-35.1% YoY
-38.4% QoQ
|
+1.35% |
0.63%
+18.3% YoY
|
2.50%
-27.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
61.97%
-11.3% YoY
-8.9% QoQ
|
-21.10% |
83.06%
+0.3% YoY
|
59.91%
-8.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.54%
-12.4% YoY
-8.9% QoQ
|
+12.50% |
21.05%
-0.9% YoY
|
32.98%
-4.8% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.11%
-42.2% YoY
-43.3% QoQ
|
+0.61% |
0.50%
+20.3% YoY
|
1.31%
-33.9% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
14.14%
-2.0% YoY
-2.0% QoQ
|
+3.90% |
10.24%
-0.6% YoY
|
20.69%
+5.3% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
1.58%
-17.1% YoY
+20.1% QoQ
|
+0.84% |
0.74%
-1.3% YoY
|
1.28%
-10.3% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#56 of 150 · Top 37% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.54%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.87%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#144 of 371 · Top 39% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.58%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.85%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Margin Compression
decline
#56 of 120 · Bottom 46% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.85%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%
94
94th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.66%
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.97% · Tier avg: 83.06%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.54% · Tier avg: 21.05%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
69
69th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
14
14th pctile
Efficiency Ratio
Current: 76.84% · Tier avg: 62.63%
10
10th pctile
Delinquency Rate
Current: 1.98% · Tier avg: 0.63%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 1.98% · Tier avg: 0.63%
14
14th pctile
Efficiency Ratio
Current: 76.84% · Tier avg: 62.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.54% · Tier avg: 21.05%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.97% · Tier avg: 83.06%
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
94
94th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.66%
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%