Safest Banks in Guam 2026
Guam has 2 FDIC-insured banks with an average Bank Health Score of 83/100 (A). The safest bank is Bank of Guam with a score of 93/100.
Data from FDIC Q2 2024
2 Guam banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Guam's 2 FDIC-insured banks hold a combined $2.7B in assets. Their average Bank Health Score of 83/100 sits 13.0 points above the national average of 70/100. Across the state, 100% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Guam is Bank of Guam with $2.5B in assets and a Bank Health Score of 93/100. The strongest by score is Bank of Guam in Hagatna (93/100, Tier 1 capital 14.40%). The weakest is Bankpacific Ltd at 72/100, dragged down by an NPL ratio of 3.85%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 2 Banks in Guam
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Bank of Guam | Hagatna | A | 93 | 14.40% | 0.50% |
| 2 | Bankpacific Ltd | Hagatna | B | 72 | 25.07% | 3.85% |
Bank Health Scores for Guam are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Bank of Guam in Hagatna is currently the safest bank in Guam with a score of 93/100 (Grade A). It posts a Tier 1 capital ratio of 14.40% and a nonperforming loan ratio of 0.50%.
Guam has 2 FDIC-insured banks with a combined $2.7B in total assets. The average Bank Health Score across the state is 83/100 (Grade A).
Guam's average Bank Health Score of 83/100 is 13.0 points above the national average of 70/100. 100% of banks in Guam earn an A or B grade, compared with the national average grade of B.
Of 2 FDIC-insured banks headquartered in Guam, 1 earn an A, 1 a B, 0 a C, 0 a D, and 0 an F. The most common grade is A.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).