ANZ Guam, Inc.


424 W Obrien Dr, 112
Hagatna, GU 96932
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

ANZ Guam, Inc. is an FDIC insured institution located in Hagatna, GU. It was founded in 1991 and has approximately $0.42 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 33316
Date Established 1991
Assets $ 421.31 million
Loans $ 64.66 million
Deposits $ 373.50 million
Capital $ 45.87 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 - October 25, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
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Morty, Inc.
NMLS ID: 1429243
2.806% 2.750%
0.75 points
$1,820 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to ANZ Guam, Inc.
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ANZ Guam, Inc. Locations

Climate 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
4.11% 4.78%

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 June 30, 2021, ANZ Guam, Inc. had $1,910,000 in non-current loans and $71,000 in owned real estate. To cover these potential losses it had $45,874,000 in equity and $2,270,000 in loans loss reserves. That gives it a Texas Ratio of 4.11%.

Return on Equity
ANZ Guam, Inc. U.S. Bank Average
-6.34% 11.29%

ANZ Guam, Inc. has a Return on Equity of -6.34% versus the BestCashCow average of 11.29%. 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
10.89% 11.72%

ANZ Guam, Inc. has a Capitalization of 10.89% versus the BestCashCow average of 11.72. 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 June 30, 2021, ANZ Guam, Inc. had assets of $421,314,000, loans of $64,659,000, and deposits of $373,503,000. 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

June 30, 2021
Cash & Balances due from depository institutions $ 348.58 million
Interest-bearing balances $ 335.67 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 64.66 million
Loan loss allowance $ 2.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.07 million
Goodwill and other intangibles $ 0.95 million
All other assets $ 5.98 million
     Total Assets $ 375.44 million
Total deposits $ 373.50 million
      Interest-bearing deposits $ 188.91 million
      Deposits held in domestic offices $ 373.50 million
      % insured (estimated) 52.85%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.94 million
      Total Liabilities $ 375.44 million
      Shareholders’ Equity $ 45.87 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 2.11 million
Total Interest Expense $ 0.11 million
Net interest income $ 2.01 million
Provision for loan and lease losses N.A.
Total non interest income $ 2.50 million
Total non interest expense $ 5.96 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in ANZ Guam, Inc.’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in , ANZ Guam, Inc. has a significantly higher percent of Small Business Loans, 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 21.53
Credit Card Loans 0.27
Consumer Auto Loans 0.15
Small Business Loans 11.86
Construction and Development Loans 0.79
Commercial Real Estate 31.29
Commercial and Industrial Loans 41.00
Farm Loans 0.00

Frequently Asked Questions About Anz Guam, Inc.

Branches and Savings

Is Anz Guam, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #33316.

Why does Anz Guam, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Anz Guam, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Anz Guam, Inc. a commercial bank?


Where are Anz Guam, Inc. locations?

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Does Anz Guam, Inc. offer mortgages?

Compare mortgage rates here.

Does Anz Guam, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Anz Guam, Inc. offer personal loans?

Compare personal loan rates here.

Does Anz Guam, Inc. offer student loans?

Will Anz Guam, Inc. cash a check?

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Does Anz Guam, Inc. do currency exchange?

Background on The Bank

Who owns Anz Guam, Inc.?

How long has Anz Guam, Inc. been around?

Can Anz Guam, Inc. transfer to other banks?

Does Anz Guam, Inc. have quick pay?

Does Anz Guam, Inc. accept rolled coins?

Will Anz Guam, Inc. accept loose change?

Where is Anz Guam, Inc. headquarters?

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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