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Bank Of Guam

IDRSSD: 711472
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #711472 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.49% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +12

The five pillars

Liquidity

StrongQoQ +2
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 85.2%.

Cash / Assets
—
Loans / Deposits
85.20%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.26%
No watch items at this period.

Capitalization

StableQoQ -3
69
Sub-score

Capital position is stable: Tier 1 RBC 14.14%, CET1 0.00%, leverage 9.12%.

Tier 1 RBC
14.14%
CET1
0.00%
Leverage
9.12%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +1
72
Sub-score

Asset quality is stable: Adjusted NPL 1.98%, Texas Ratio 11.6%, NCO YTD 1.49%.

Adjusted NPL
1.98%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
1.49%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.49% of loans.

Reserves

StableQoQ +12
64
Sub-score

Reserves are stable: ALLL 1.68% of loans, coverage 86.4%, true coverage 77.3%.

ALLL / Loans
1.68%
Coverage
86.4%
True Loss Coverage
77.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:48:34 UTC