Bank of Guam

111 Chalan Santo Papa
Hagatna, GU 96910

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20884
Date Established 1972
Assets $1.96 billion
Loans $1.14 billion
Deposits $1.82 billion
Capital $0.13 billion

Bank of Guam is an FDIC insured institution located in Hagatna, GU. It was founded in 1972 and has approximately $1.96 billion in assets. Customers can open an account at one of its 24 branches.

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

Bank Loan Profile?

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

Compared to other banks in , Bank of Guam has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Small Business Loans, Commercial Real Estate, Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.08
Multifamily
Mortgages
8.15
Credit Card Loans 1.68
Consumer Auto Loans 2.66
Small Business Loans 6.93
Construction and Development Loans 3.42
Commercial Real Estate 34.49
Commercial and Industrial Loans 13.97
Farm Loans 0.01

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Guam, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Guam

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
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Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Guam
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Branches

Bank of Guam branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank Of Guam Locations

Financial Details

Bank of Guam Ratio Analysis

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

Texas Ratio
Bank of Guam U.S. Bank Average
11.28% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Guam had $14,078,000 in non-current loans and $2,528,000 in owned real estate. To cover these potential losses it had $131,896,000 in equity and $15,371,000 in loans loss reserves. That gives it a Texas Ratio of 11.28%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Guam U.S. Bank Average
8.81% 8.58

Bank of Guam has a Return on Equity of 8.81% versus the BestCashCow average of 8.58. 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.

Capitalization
Bank of Guam U.S. Bank Average
6.71% 12.11

Bank of Guam has a Capitalization of 6.71% versus the BestCashCow average of 12.11. 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.

Bank of Guam Balance Sheet Analysis

As of June 30, 2017, Bank of Guam had assets of $1,964,603,000, loans of $1,144,506,000, and deposits of $1,820,880,000. 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.

Frequently Asked Questions About Bank of Guam

Branches and Savings

Is Bank of Guam FDIC insured?

Yes. It is covered under FDIC Certificate #20884.

Why does Bank of Guam pay such low interest on savings accounts?

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

Why are Bank of Guam CD rates not competitive?

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

Is Bank of Guam a commercial bank?

Yes

Where are Bank of Guam locations?

See branch locations nearby.

Is Bank of Guam open on Saturdays?

Is Bank of Guam open on Sundays?

What time does Bank of Guam open?

What time does Bank of Guam close?

Are Bank of Guam ATMs Open 24/7?

Do Bank of Guam ATMs accept cash deposits?

Can Bank of Guam customers use other ATMs?

Do Bank of Guam branches have notaries?

Will Bank of Guam notarize my document?

What address for Bank of Guam should I put for incoming ACH transfers?

Will the Bank of Guam branch print checks?

Do Bank of Guam checks expire?

Does Bank of Guam require US citizenship to open account?

Can Bank of Guam close my account?

Does Bank of Guam Report to credit bureaus?

Does Bank of Guam Use Equifax?

What is Bank of Guam's ACH Routing Number?

What is Bank of Guam's SWIFT code?

Products

Does Bank of Guam offer mortgages?

Compare mortgage rates here.

Does Bank of Guam offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Guam offer personal loans?

Compare personal loan rates here.

Does Bank of Guam offer student loans?

Will Bank of Guam cash a check?

Will Bank of Guam redeem a savings bond?

Does Bank of Guam cash savings bonds?

Will Bank of Guam cash money orders?

Can Bank of Guam issue a money order?

Does Bank of Guam do currency exchange?

Background on The Bank

Who owns Bank of Guam?

How long has Bank of Guam been around?

Can Bank of Guam transfer to other banks?

Does Bank of Guam have quick pay?

Does Bank of Guam accept rolled coins?

Will Bank of Guam accept loose change?

Where is Bank of Guam headquarters?

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