ANZ Guam, Inc.


424 W Obrien Dr
Hagatna, GU 96932
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

ANZ Guam, Inc. is an FDIC insured institution located in Hagatna, GU. It was founded in 1991 and has approximately $0.04 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 33316
Date Established 1991
Assets $ 37.42 million
Loans N.A.
Deposits N.A.
Capital $ 27.04 million

For a more detailed analysis of ANZ Guam, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ANZ Guam, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

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6.956% 6.875%
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$2,103 Learn More
Rocket Mortgage
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7.451% 7.375%
0.75 points
$2,400 fees
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Neighbors Bank
NMLS ID: 491986

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NMLS ID: Not a Lender

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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
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More Info

Note to ANZ Guam, Inc.
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Climate Policy and Initiatives

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Financial Details

ANZ Guam, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of ANZ Guam, Inc.. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
ANZ Guam, Inc. U.S. Bank Average
0% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, ANZ Guam, Inc. had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,039,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
ANZ Guam, Inc. U.S. Bank Average
-38.3% 12.20%

ANZ Guam, Inc. has a Return on Equity of -38.3% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

ANZ Guam, Inc. U.S. Bank Average
72.25% 10.76%

ANZ Guam, Inc. has a Capitalization of 72.25% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

ANZ Guam, Inc. Balance Sheet Analysis

As of December 31, 2023, ANZ Guam, Inc. had assets of $37,424,000, loans of $0, and deposits of $0. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 37.24 million
Interest-bearing balances $ 3.73 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 5.09 million
     Total Assets $ 10.39 million
Total deposits N.A.
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.85 million
      Total Liabilities $ 10.39 million
      Shareholders’ Equity $ 27.04 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 2.70 million
Total Interest Expense $ 0.01 million
Net interest income $ 2.69 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.29 million
Total non interest expense $ 12.94 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in ANZ Guam, Inc.’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks in , ANZ Guam, Inc. has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages, Credit Card Loans, Consumer Auto Loans, Construction and Development Loans, Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans inf
Credit Card Loans inf
Consumer Auto Loans inf
Small Business Loans nan
Construction and Development Loans inf
Commercial Real Estate inf
Commercial and Industrial Loans inf
Farm Loans nan

Customer Reviews for ANZ Guam, Inc.

  • August 10, 2020

    When purchasing a new home using a VA loan, my realtor suggested ANZ as they were faster. They weren't. After obtaining the loan, I wanted to set up payment from my bank to the mortgage but was told by ANZ I had to have a savings or checking account with them to pay the mortgage. Not going to happen. For 8 years I paid my mortgage taking cash from my bank and going to their teller to pay. I sold the house. In closing the escrow, I was told it would take them two weeks to close out and mail me the check. After 5 weeks I went back in to see what the hold up was and was then informed they don't close out accounts until the following month. I stated that in three days it will have been 6 weeks, 15 minutes later they found my check, dated 5 days prior. After signing for the check, I figured since I am here I'd cash the check. To add insult to injury, ANZ could not cash the check without charging me a fee as I no longer have an account with them. 8 years of interest from my mortgage, a month sitting on my escrow and they can't even cash a check from their on bank. Be ready to pay If you choose to use these guys!!!

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