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BankPacific, Ltd

$100M-$1B Specialty: Other GU FDIC cert 30692

Designations: ✓ Minority Depository Institution

Hagatna, GU

6 branches across GU · MP · PW

2664 banks in the $100M-$1B peer group nationally 1 in GU
View $100M-$1B leaderboard (GU) →

BankPacific, Ltd has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 38.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 37.4% in tier
  • - Efficiency Drag: Bottom 44.0% in tier
  • - Delinquency Rate 1.88% above tier average
  • - ROA 0.64% below tier average
Get updates when BankPacific, Ltd releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
Total Assets ? $187.5M
+5.6% YoY +5.3% QoQ
-$198.6M $386.1M
+0.5% YoY
$1.7B
+14.6% YoY
$6.2B
+9.1% YoY
23%
Total Loans ? $91.9M
-4.5% YoY +3.1% QoQ
-$163.8M $255.7M
+1.1% YoY
$893.3M
+3.3% YoY
$3.2B
+10.8% YoY
17%
Total Deposits ? $163.2M
+5.8% YoY +6.0% QoQ
-$164.7M $328.0M
+0.1% YoY
$1.5B
+15.3% YoY
$4.8B
+8.2% YoY
25%
Return on Assets ? 0.63%
+25.1% YoY -17.4% QoQ
-0.64% 1.27%
+12.9% YoY
0.68%
+65.9% YoY
1.23%
+13.4% YoY
18%
Net Interest Margin ? 5.49%
-4.0% YoY -7.5% QoQ
+1.56% 3.93%
+6.0% YoY
4.93%
-4.7% YoY
3.89%
+5.7% YoY
Top 3.0% in tier
Efficiency Ratio ? 84.34%
-1.6% YoY +2.7% QoQ
+19.06% 65.29%
-4.5% YoY
82.92%
-0.1% YoY
66.95%
-4.1% YoY
Bottom 10.5% in tier
Delinquency Rate ? 2.77%
-45.3% YoY -8.4% QoQ
+1.88% 0.89%
+18.8% YoY
2.17%
-56.7% YoY
0.95%
+18.8% YoY
Bottom 6.7% in tier
Loan-to-Deposit Ratio ? 56.31%
-9.7% YoY -2.7% QoQ
-20.32% 76.64%
+0.8% YoY
57.70%
-10.1% YoY
76.70%
+0.9% YoY
Top 14.7% in tier
Non-Interest-Bearing Deposit Share ? 31.29%
-0.6% YoY -3.5% QoQ
+9.27% 22.02%
-1.0% YoY
31.01%
-6.6% YoY
22.01%
-1.2% YoY
85%
Nonperforming Asset Ratio ? 1.36%
-50.5% YoY -10.3% QoQ
+0.72% 0.64%
+19.7% YoY
1.10%
-61.4% YoY
0.67%
+19.3% YoY
Bottom 13.3% in tier
Tier 1 Capital Ratio ? 26.83%
+10.1% YoY -1.5% QoQ
+11.00% 15.83%
+1.5% YoY
20.56%
+6.5% YoY
17.06%
+0.8% YoY
Top 5.1% in tier
Non-Interest Income / Assets ? 0.21%
-14.0% YoY -78.5% QoQ
-0.07% 0.28%
+9.3% YoY
0.30%
-13.1% YoY
0.32%
+4.1% YoY
Top 12.4% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#105 of 272 • Top 38.2% in tier

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: 31.29%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.49%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk
#277 of 739 • Bottom 37.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.83%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 56.31%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#183 of 414 • Bottom 44.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.34%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

80
Net Interest Margin
profitability
Value: 5.49%
Peer Median: 3.93%
#80 of 2664 Top 3.0% in $100M-$1B
137
Tier 1 Capital Ratio
capital
Value: 26.83%
Peer Median: 15.83%
#137 of 2664 Top 5.1% in $100M-$1B
331
Non-Interest Income / Assets
revenue_mix
Value: 0.21%
Peer Median: 0.28%
#331 of 2664 Top 12.4% in $100M-$1B
393
Loan-to-Deposit Ratio
liquidity
Value: 56.31%
Peer Median: 76.64%
#393 of 2664 Top 14.7% in $100M-$1B
403
Non-Interest-Bearing Deposit Share
funding
Value: 31.29%
Peer Median: 22.02%
#403 of 2664 Top 15.1% in $100M-$1B

Top Weaknesses (7 metrics)

2477
Delinquency Rate
credit_quality
Value: 2.77%
Peer Median: 0.89%
#2477 of 2654 Bottom 6.7% in $100M-$1B
2384
Efficiency Ratio
profitability
Value: 84.34%
Peer Median: 65.29%
#2384 of 2664 Bottom 10.5% in $100M-$1B
2310
Nonperforming Asset Ratio
credit_quality
Value: 1.36%
Peer Median: 0.64%
#2310 of 2664 Bottom 13.3% in $100M-$1B
2224
Total Loans
size
Value: $91.93M
Peer Median: $255.72M
#2224 of 2664 Bottom 16.6% in $100M-$1B
2197
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.27%
#2197 of 2664 Bottom 17.6% in $100M-$1B
2040
Total Assets
size
Value: $187.47M
Peer Median: $386.08M
#2040 of 2664 Bottom 23.5% in $100M-$1B
2009
Total Deposits
size
Value: $163.25M
Peer Median: $327.97M
#2009 of 2664 Bottom 24.6% in $100M-$1B
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