BANK OF THE FEDERATED STATES OF MICRONESIA

POHNPEI, 0 | Small | Est. Feb. 7, 1986, midnight | FDIC #26539 | RSSD #718275 | FDIC
Latest Report: 2025-12-31

BANK OF THE FEDERATED STATES OF MICRONESIA is asn small FDIC-insured commercial bank headquartered in POHNPEI, 0 , established in Feb. 7, 1986, midnight. As of 2025-12-31, the bank reported total assets of $271M and total deposits of $236M. Profitability stands at 1.27% ROA and 10.28% ROE, with a net interest margin of 4.83%. The bank's CET1 capital ratio is 48.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.45% and a Texas Ratio of 6.16%. FDIC Certificate #26539.

Assets

$271M

Deposits

$236M

Loans

$64M

Equity

$34M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 10.28%
Net Interest Margin (NIM) 4.83%
Yield on Assets 5.34%
Cost of Funds 0.54%

Asset Quality

NPL Ratio 3.45%
Net Charge-Off Ratio 0.57%
Texas Ratio 6.16%
NPA Ratio 0.82%
ACL / Loans 3.37%

Capital & Liquidity

CET1 Ratio 48.78%
Tier 1 Capital 48.78%
Total Capital Ratio 50.05%
Leverage Ratio 13.16%
Loan-to-Deposit 27.29%

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