BlastPoint's Banking Scorecard
BankPacific, Ltd
Micro
Specialty: Other
GU
FDIC cert 30692
Designations: ✓ Community bank
Hagatna, GU
2498
banks in Micro tier nationally
1 in GU
View Micro leaderboard (GU) →
BankPacific, Ltd has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.08% above tier
- + Tier 1 Capital Ratio 18.39% above tier
- + Non-Interest Income / Assets 0.42% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.1M
+0.7% YoY
+3.1% QoQ
|
-$39.4M |
$217.5M
+2.3% YoY
|
$1.6B
+16.5% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$89.1M
-5.2% YoY
-2.4% QoQ
|
-$50.0M |
$139.2M
+2.8% YoY
|
$893.4M
+4.3% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$154.0M
+0.1% YoY
+3.3% QoQ
|
-$29.6M |
$183.7M
+1.8% YoY
|
$1.4B
+17.1% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.77%
+56.3% YoY
-1.7% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
0.81%
+12.0% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
5.94%
+1.0% YoY
+0.8% QoQ
|
+2.08% |
3.85%
+6.6% YoY
|
5.40%
-1.5% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
82.10%
-5.2% YoY
+1.4% QoQ
|
+14.38% |
67.73%
-4.8% YoY
|
79.47%
-3.2% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
3.03%
-21.5% YoY
-16.1% QoQ
|
+2.39% |
0.64%
+24.4% YoY
|
2.50%
-27.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
57.86%
-5.3% YoY
-5.5% QoQ
|
-16.67% |
74.53%
+0.5% YoY
|
59.91%
-8.5% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
32.42%
+4.7% YoY
-4.5% QoQ
|
+10.03% |
22.39%
-1.3% YoY
|
32.98%
-4.8% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
1.51%
-26.2% YoY
-20.5% QoQ
|
+1.06% |
0.45%
+25.1% YoY
|
1.31%
-33.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
27.24%
+9.5% YoY
+3.0% QoQ
|
+18.39% |
8.85%
-3.4% YoY
|
20.69%
+5.3% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.98%
+3.3% YoY
+25.8% QoQ
|
+0.42% |
0.56%
+0.3% YoY
|
1.28%
-10.3% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.94%
(Tier avg: 3.85%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.24%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.98%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.03%
(Tier avg: 0.64%, National avg: 0.66%)
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
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.85%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.24% · Tier avg: 8.85%
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.42% · Tier avg: 22.39%
47
47th pctile
Total Deposits
Current: $154.0M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $178.1M · Tier avg: $217.5M
38
38th pctile
Total Loans
Current: $89.1M · Tier avg: $139.2M
31
31th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.86% · Tier avg: 74.53%
17
17th pctile
Efficiency Ratio
Current: 82.10% · Tier avg: 67.73%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.03% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 3.03% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.45%
17
17th pctile
Efficiency Ratio
Current: 82.10% · Tier avg: 67.73%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.86% · Tier avg: 74.53%
31
31th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
38
38th pctile
Total Loans
Current: $89.1M · Tier avg: $139.2M
45
45th pctile
Total Assets
Current: $178.1M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $154.0M · Tier avg: $183.7M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.42% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.24% · Tier avg: 8.85%
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.85%