Bank of the Federated States of Micronesia: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets dropped 1.36 percentage points in Q2 2026, from 12.84% to 11.48%. It was the largest change from Q1 2026 among the key lines here. Bank of the Federated States of Micronesia's CET1 ratio of 47.46% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 32.38 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 47.46% |
| Tier 1 risk-based capital ratio | 47.46% |
| Total risk-based capital ratio | 48.73% |
| Tier 1 leverage ratio | 12.47% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.3M |
| Tier 1 capital | $34.3M |
| Total risk-based capital | $35.2M |
| Total equity capital | $32.0M |
| Risk-weighted assets | $72.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.48% |
| Tangible equity to tangible assets | 11.48% |
| Equity capital to average assets | 11.64% |
| Internal capital growth rate | -15.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.7M |
| Common stock surplus | $4.7M |
| Retained earnings | $24.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 44.62% | 44.62% | 45.90% | 13.01% | $67.0M |
| Q4 2023 | 44.34% | 44.34% | 45.61% | 13.72% | $70.2M |
| Q1 2024 | 45.75% | 45.75% | 47.01% | 14.40% | $70.1M |
| Q2 2024 | 46.73% | 46.73% | 48.00% | 14.05% | $66.5M |
| Q3 2024 | 46.81% | 46.81% | 48.08% | 13.94% | $68.3M |
| Q4 2024 | 47.58% | 47.58% | 48.85% | 13.82% | $69.4M |
| Q1 2025 | 49.77% | 49.77% | 51.04% | 13.62% | $68.2M |
| Q2 2025 | 47.47% | 47.47% | 48.74% | 12.76% | $68.9M |
| Q3 2025 | 47.69% | 47.69% | 48.96% | 12.49% | $70.9M |
| Q4 2025 | 48.78% | 48.78% | 50.05% | 13.16% | $71.1M |
| Q1 2026 | 49.00% | 49.00% | 50.27% | 13.00% | $72.6M |
| Q2 2026 | 47.46% | 47.46% | 48.73% | 12.47% | $72.2M |
Bank of the Federated States of Micronesia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Federated States of Micronesia, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of the Federated States of Micronesia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26539) · FFIEC NIC profile (RSSD 718275)