☰

Home›
Banks›
BankPacific

iAdvertiser Disclosure

BankPacific Rates & Review October 2026

Q: How many branches does BankPacific operate?

BankPacific currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, BankPacific does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankPacific provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 16, 2026

BankPacific rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.91%, 6-month CD rates at 2.74% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not BankPacific, and you can see how they compare in the BankPacific rate tables below. MonitorBankRates evaluates the financial stability of BankPacific with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.60%. Database rates last updated and verified on 10/16/2026.

BankPacific money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BankPacific? Share your experience about BankPacific by leaving a review below, or read customer reviews before you decide to use BankPacific.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.60%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

BankPacific, Ltd

151 Aspinall Ave
Hagatna, GU 96910

https://www.bankpacific.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for BankPacific, but our database is updated constantly, so check back soon for the latest offers.

Are you with BankPacific? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

BankPacific’s Texas Ratio fell from 18.98% in Q3 2023 to 15.60% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from B+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$192M	15.60%	5.0	A-
March 31, 2026	$187M	11.65%	5.0	A
December 31, 2025	$178M	12.50%	5.0	A
September 30, 2025	$173M	15.49%	5.0	A-
June 30, 2025	$179M	21.33%	4.5	B
March 31, 2025	$178M	23.41%	4.3	B-
December 31, 2024	$177M	17.62%	4.8	B+
September 30, 2024	$176M	17.07%	4.8	B+
June 30, 2024	$175M	17.75%	4.8	B+
March 31, 2024	$181M	17.45%	4.8	B+
December 31, 2023	$188M	19.24%	4.7	B
September 30, 2023	$185M	18.98%	4.7	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BankPacific is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BankPacific rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BankPacific's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name BankPacific

Website https://www.bankpacific.com

Address 151 Aspinall Ave, Hagatna, GU 96910 · Guam

Bank Holding Company MARIANAS FINANCE CORP

FDIC Certificate # 30692

Regulator FDIC

Established January 1, 1953

FDIC Insurance Date August 9, 1989

Domestic Offices 0

Total Branches 6

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (92/100)

Texas Ratio

15.60%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7169%

Return on Equity (ROE)

6.0800%

Non-Performing Loans Ratio (NPL)

1.49%

Total Assets

$191,856,000

Total Deposits

$167,134,000

Equity Capital

$22,248,000

Net Income

$666,000

Headquarters

Hagatna

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Customer Reviews

There are no reviews for BankPacific yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for BankPacific

Frequently Asked Questions About BankPacific

How many branches does BankPacific operate?

BankPacific currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BankPacific does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankPacific provides members with tools to manage their accounts and build a solid financial history.

Does BankPacific offer online and mobile banking?

Most modern institutions like BankPacific provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankpacific.com.