Bankpacific Ltd
Hagatna, Guam · FDIC Cert #30692
Bankpacific Ltd is an FDIC-insured bank (Certificate #30692) with $175M in total assets and $152M in total deposits as of the Q2 2024 Call Report. Headquartered in Hagatna, Guam, the bank maintains a Tier 1 capital ratio of 25.07% (Well-Capitalized) and a nonperforming loan ratio of 3.85%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bankpacific Ltd (FDIC cert 30692) is a community bank — $175M in total assets, $152M in deposits, serving the Hagatna, Guam area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 25.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.85% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 39.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.75% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bankpacific Ltd carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bankpacific Ltd
- Total Assets
- $175M
- Total Deposits
- $152M
- Tier 1 Capital Ratio
- 25.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.85%
- Liquidity Ratio
- 39.54%
- Return on Assets
- 0.75%
- Headquarters
- Hagatna, Guam
- FDIC Certificate
- #30692
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bankpacific Ltd holds a Tier 1 capital ratio of 25.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bankpacific Ltd has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bankpacific Ltd shows strong financial health indicators. With $175M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bankpacific Ltd Compares
Bankpacific Ltd’s Health Score of 72 is 11 points below the Guam state average of 83 across 2 FDIC-insured banks. Its 25.07% Tier 1 capital ratio is 11.1 points above the US banking industry average near 14%. The 3.85% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.75% is below the national ROA benchmark of ~1.1%. Among 1463 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bankpacific Ltd is 2 points above the portfolio average of 70.
Frequently Asked Questions
Bankpacific Ltd has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 25.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bankpacific Ltd's Tier 1 capital ratio of 25.07% and nonperforming loan ratio of 3.85% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bankpacific Ltd is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30692). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bankpacific Ltd holds $175M in total assets and $152M in total deposits. It is headquartered in Hagatna, Guam (FDIC Certificate #30692).
Bankpacific Ltd has a Tier 1 capital ratio of 25.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.85%, and the return on assets is 0.75%.
Yes. Bankpacific Ltd is FDIC-insured (Certificate #30692). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bankpacific Ltd's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.