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Overview / Commentary
151 Aspinal Street
Hagatna, GU 96910

BankPacific, Ltd is headquartered in Hagatna and is the 3rd largest bank in the state of GU. It is also the 4,172nd largest bank in the nation. It was established in 1953 and as of March of 2014, it had grown to 87 employees. BankPacific, Ltd has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 BankPacific, Ltd had $1.84 million in non-current loans and owned real-estate with $15.4 million in equity and loan loss allowances on hand to cover it. This gives BankPacific, Ltd a Texas Ratio of 11.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for BankPacific, Ltd experienced no significant changes from 8.99% as of March 31, 2013 to 11.95% as of March 31, 2014, resulting in a negative change of 32.88%. This indicates that the balance sheet and financial strength for BankPacific, Ltd has had no significant changes in recent periods.

Deposit Growth


In the past year, BankPacific, Ltd has increased its total deposits by $6.43 million, resulting in 6.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BankPacific, Ltd has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BankPacific, Ltd has $125.06 million in assets with $15.4 million in equity, resulting in a capitalization level of 12.31%, which is excellent.

Institution Statistics

FDIC Certificate #30692
Year Established1953
Primary RegulatorFDIC
Assets and Liabilities
Assets$125.06 million
Loans$95.83 million
Deposits$109.00 million
Equity Capital$14.93 million
Loan Loss Allowance$469,000
Unbacked Noncurrent Loans$1.65 million
Real Estate Owned$187,000
Historic Data - March 2013
Assets$118.22 million
Equity Capital$14.70 million
Loan Loss Allowance$633,000
Unbacked Noncurrent Loans$1.65 million
Real Estate Owned$171,000
Profit Margin - Quarterly
Net Interest Margin5.14%
Return on Assets0.38%
Return on Equity3.2%
Interest Income$1.51 million

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BankPacific, Ltd Locations
Bankpacific, Ltd151 Aspinal AveHagatna, GU 96910
Agat Branch875 North Route 2Agat, GU 96928
Beach Road BranchBeach RoadGarapan, GU 96910
Palau BranchLebuu Street, Tngerongel HamletPalau, PW 96940
Marine Drive BranchSouth Marine DriveTamuning, GU 96913
West Marine Drive BranchWest Marine DriveDededo, GU 96912