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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 1 in GU.
  • Deposits +7.2% year over year ($167.1M on the books).
  • Delinquency rate 3.06%.
  • Return on assets 0.72%.
  • Efficiency ratio 82.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 1 in GU
View $100M-$1B leaderboard (GU) →

BankPacific, Ltd has 1 strength but faces 5 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 25.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 38.8% in tier
  • - Liquidity Overhang: Bottom 39.1% in tier
  • - Delinquency Rate 2.14% above tier average
  • - Nonperforming Asset Ratio 1.14% above tier average
  • - ROA 0.61% below tier average
Get updates when BankPacific, Ltd releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
Total Assets ? $191.9M
+6.9% YoY +2.3% QoQ
-$194.7M $386.6M
+1.2% YoY
$1.7B
+19.7% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $93.6M
-1.2% YoY +1.9% QoQ
-$164.7M $258.3M
+1.7% YoY
$919.7M
+7.0% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $167.1M
+7.2% YoY +2.4% QoQ
-$159.6M $326.7M
+0.7% YoY
$1.6B
+21.3% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.72%
+20.3% YoY +13.3% QoQ
-0.61% 1.32%
+10.8% YoY
0.67%
+0.1% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 5.45%
-3.7% YoY -0.7% QoQ
+1.47% 3.99%
+5.0% YoY
4.92%
-7.9% YoY
3.95%
+4.9% YoY
Top 3.1% in tier
Efficiency Ratio ? 82.61%
-1.6% YoY -2.1% QoQ
+18.14% 64.48%
-3.2% YoY
81.31%
+1.6% YoY
70.05%
+2.5% YoY
Bottom 11.3% in tier
Delinquency Rate ? 3.06%
-35.6% YoY +10.4% QoQ
+2.14% 0.92%
+15.7% YoY
2.49%
-36.7% YoY
0.98%
+16.3% YoY
Bottom 6.1% in tier
Loan-to-Deposit Ratio ? 56.02%
-7.8% YoY -0.5% QoQ
-21.93% 77.95%
+1.0% YoY
57.50%
-10.1% YoY
79.03%
+2.3% YoY
Top 13.4% in tier
Non-Interest-Bearing Deposit Share ? 33.27%
+4.8% YoY +6.3% QoQ
+11.24% 22.03%
-0.6% YoY
32.41%
-4.0% YoY
21.98%
-0.6% YoY
Top 11.8% in tier
Nonperforming Asset Ratio ? 1.81%
-27.9% YoY +33.2% QoQ
+1.14% 0.67%
+16.4% YoY
1.42%
-35.3% YoY
0.69%
+15.8% YoY
Bottom 9.0% in tier
Tier 1 Capital Ratio ? 26.81%
+6.3% YoY -0.1% QoQ
+10.91% 15.91%
+1.4% YoY
20.41%
+2.1% YoY
17.09%
+0.8% YoY
Top 5.4% in tier
Non-Interest Income / Assets ? 0.41%
-12.3% YoY +97.2% QoQ
-0.15% 0.57%
+7.6% YoY
0.58%
-16.2% YoY
0.66%
+5.2% YoY
Top 13.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
Noninterest-Bearing 33.3%
+1.5pp YoY
+2.0pp QoQ
 +11.1pp 22.1% 32.4% 22.2% 88%
Brokered Deposits n/a n/a 7.9% n/a 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
C&I 12.0%
+4.4pp YoY
+2.2pp QoQ
 +0.4pp 11.6% 12.0% 12.5% 63%
CRE 21.1%
+1.6pp YoY
-1.0pp QoQ
 -18.4pp 39.5% 40.1% 41.4% 20%
1-4 Family 47.8%
-1.2pp YoY
+0.1pp QoQ
 +15.2pp 32.6% 29.8% 31.3% 80%
Consumer 20.1%
-5.0pp YoY
-1.4pp QoQ
 +16.0pp 4.1% 17.6% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
CET1 Ratio 26.8%
+1.6pp YoY
0.0pp QoQ
 +8.0pp 18.8% 20.4% 19.7% 91%
Leverage Ratio 11.9%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 12.2% 10.1% 12.6% 64%
Total Capital Ratio 27.9%
+1.5pp YoY
-0.1pp QoQ
 +8.0pp 19.9% 21.6% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
Full-Time Employees 92
0 YoY
-2 (-2.1%) QoQ
 +33 58 312 482 83%
Assets per Employee ($) $2.1M
+6.9% YoY
+4.6% QoQ
 -$5.4M $7.5M $4.1M $8.8M 1%
Branch Count n/a n/a 4 1 18 n/a

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
Past Due 90+ Days 1.0%
+0.9pp YoY
 +0.6pp 0.3% 0.6% 0.4% 91%
Nonaccrual 2.1%
-2.6pp YoY
-0.7pp QoQ
 +1.2pp 0.9% 1.9% 1.0% 88%
Allowance Coverage 0.32x
+33.6% YoY
-16.4% QoQ
 -23.83x 24.15x 0.64x 20.23x 4%
Net Charge-off Rate (YTD) 0.4%
+0.2pp YoY
0.0pp QoQ
 +0.2pp 0.1% 0.3% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (GU) National Avg Tier Percentile
ROE 6.1%
+1.0pp YoY
+0.8pp QoQ
 -6.1pp 12.2% 7.4% 11.6% 17%
Cost of Funds (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -1.7pp 1.7% 0.4% 1.7% 0%
Net Income ($, YTD) $666,000
+25.7% YoY
— QoQ
 -$1.9M $2.6M $5.3M $40.4M 15%

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
#73 of 278 • Top 25.9% 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: 33.27%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.45%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Efficiency Drag

risk
#141 of 361 • Bottom 38.8% in tier

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

Why this signature
Efficiency Ratio: 82.61%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#291 of 742 • Bottom 39.1% 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: 26.81%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 56.02%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

84
Net Interest Margin
profitability
Value: 5.45%
Peer Median: 3.99%
#84 of 2643 Top 3.1% in $100M-$1B
145
Tier 1 Capital Ratio
capital
Value: 26.81%
Peer Median: 15.91%
#145 of 2643 Top 5.4% in $100M-$1B
314
Non-Interest-Bearing Deposit Share
funding
Value: 33.27%
Peer Median: 22.03%
#314 of 2643 Top 11.8% in $100M-$1B
355
Loan-to-Deposit Ratio
liquidity
Value: 56.02%
Peer Median: 77.95%
#355 of 2643 Top 13.4% in $100M-$1B
362
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#362 of 2643 Top 13.7% in $100M-$1B

Top Weaknesses (6 metrics)

2473
Delinquency Rate
credit_quality
Value: 3.06%
Peer Median: 0.92%
#2473 of 2633 Bottom 6.1% in $100M-$1B
2407
Nonperforming Asset Ratio
credit_quality
Value: 1.81%
Peer Median: 0.67%
#2407 of 2643 Bottom 9.0% in $100M-$1B
2345
Efficiency Ratio
profitability
Value: 82.61%
Peer Median: 64.48%
#2345 of 2643 Bottom 11.3% in $100M-$1B
2217
Total Loans
size
Value: $93.63M
Peer Median: $258.35M
#2217 of 2643 Bottom 16.2% in $100M-$1B
2123
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.32%
#2123 of 2643 Bottom 19.7% in $100M-$1B
1996
Total Assets
size
Value: $191.86M
Peer Median: $386.57M
#1996 of 2643 Bottom 24.5% in $100M-$1B
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