Bank of Guam vs Bankpacific Ltd
Side-by-side bank health comparison using FDIC financial data
Bank of Guam and Bankpacific Ltd are meaningfully apart on the BankHealth rubric: Bank of Guam grades A, Bankpacific Ltd grades B. Size-wise, Bank of Guam holds $2.5B in assets versus $175M at Bankpacific Ltd.
Bank of Guam comes out ahead on the composite score. For depositors comparing banks, the spread is large enough to be informative — though for amounts below FDIC insurance limits, both banks are operationally similar from a safety-of-deposits perspective.
Verdict
Bank of Guam has a stronger Bank Health Score of 93/100 (A) compared to Bankpacific Ltd at 72/100 (B), a difference of 21 points. Bank of Guam holds a Tier 1 capital ratio of 14.40% and an NPL ratio of 0.50%.
| Metric | Bank of Guam | Bankpacific Ltd |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 93/100 (A)* | 72/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.4% | 25.1%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.5%* | 3.8% |
| Liquidity Ratio Cash and liquid assets vs obligations | 32.2% | 39.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.3%* | 0.8% |
| Total Assets | $2.5B | $175M |
| Total Deposits | $2.3B | $152M |
| Location | Hagatna, Guam | Hagatna, Guam |
Bank of Guam has a stronger Bank Health Score of 93/100 (A) compared to Bankpacific Ltd at 72/100 (B), a difference of 21 points. Bank of Guam holds a Tier 1 capital ratio of 14.40% and an NPL ratio of 0.50%.