TellerScore

BankPacific, Ltd (FDIC certificate #30692) is based in Hagatna, Guam. Its Q2 2026 call report shows $191.9M in total assets and $167.1M in deposits and 6 offices across 3 states.

Based on its Q2 2026 filing, BankPacific, Ltd scores 49/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Its strongest component is funding & liquidity (79/100; 56% loans-to-deposits, 34% uninsured), and its lowest is loan quality (0/100; 3.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.91%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.03%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 56.0% · 33.7% uninsured
Problem-loan coverage70/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (48 → 49).

TellerScore
465053Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202448
Q3 202448
Q4 202448
Q1 202546
Q2 202548
Q3 202551
Q4 202553
Q1 202652
Q2 202649
Tier 1 leverage ratio
5.00%8.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.56%
Q3 202411.70%
Q4 202411.84%
Q1 202511.50%
Q2 202511.98%
Q3 202512.01%
Q4 202512.38%
Q1 202611.87%
Q2 202611.91%
Noncurrent loans
2.74%3.87%5.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20243.85%
Q3 20243.72%
Q4 20243.82%
Q1 20255.00%
Q2 20254.70%
Q3 20253.56%
Q4 20252.99%
Q1 20262.74%
Q2 20263.03%
Return on assets
0.49%0.63%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.59%
Q3 20240.55%
Q4 20240.49%
Q1 20250.51%
Q2 20250.60%
Q3 20250.78%
Q4 20250.77%
Q1 20260.63%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$191.9M11.91%3.03%0.72%56.0%
Q1 202652$187.5M11.87%2.74%0.63%56.3%
Q4 202553$178.1M12.38%2.99%0.77%57.9%
Q3 202551$172.8M12.01%3.56%0.78%61.2%
Q2 202548$179.5M11.98%4.70%0.60%60.8%
Q1 202546$177.5M11.50%5.00%0.51%62.4%
Q4 202448$176.8M11.84%3.82%0.49%61.1%
Q3 202448$176.3M11.70%3.72%0.55%60.4%
Q2 202448$174.9M11.56%3.85%0.59%61.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.91%
64th
Total risk-based capital27.94%
95th
Problem loans3.03%
6th
Net charge-offs0.35%
8th
Return on assets0.72%
20th
Net interest margin5.45%
97th
Efficiency ratio82.6%
11th
Loans to deposits56.0%
87th
Uninsured deposits33.7%
20th
Loan-loss reserves0.97%
23rd
Texas ratio15.0%
10th

Deposit insurance

Is my money safe at BankPacific, Ltd?

Yes. BankPacific, Ltd is an FDIC-insured institution (FDIC certificate #30692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.7% of deposits ($56.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.94% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

BankPacific, Ltd lists 6 offices in 6 cities across 3 states. Most locations:

  • Agat, GU (1)
  • Dededo, GU (1)
  • Hagatna, GU (1)
  • Koror, PW (1)
  • Saipan, MP (1)
  • Tamuning, GU (1)

All branch addresses and map

Identity & history

Profile

Legal name
BankPacific, Ltd
Former names
Guam Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
30692
RSSD ID
364270
Primary regulator
FDIC
Holding company
Marianas Finance Corp
Established
January 1, 1953
Headquarters
151 Aspinall Ave, Hagatna, GU 96910
Employees
92

Quick answers

BankPacific, Ltd: common questions

Is BankPacific, Ltd FDIC insured?

Yes. BankPacific, Ltd is an FDIC-insured institution (FDIC certificate #30692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankPacific, Ltd's TellerScore?

49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BankPacific, Ltd ever failed?

There is no failure record for FDIC certificate #30692 in the FDIC failed bank list.

How many branches does BankPacific, Ltd have?

6 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Hagatna

InstitutionScoreAssetsCapitalProblem loansCompare
Community First Guam Federal Credit UnionCredit union Hagatna, GU72 out of 100, Strong$232.7M12.5%0.34%vs
Coast360 Federal Credit UnionCredit union Maite, GU70 out of 100, Strong$633.0M12.1%0.81%vs
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs
Bank of HawaiiBank Honolulu, HI64 out of 100, Moderate$23.8B8.4%0.18%vs
Bank of GuamBank Hagatna, GU43 out of 100, Below average$3.2B8.3%1.89%vs