Bank of the Federated States of Micronesia: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 2.77 percentage points in Q2 2026, from 32.87% to 30.10%. It was the largest change from Q1 2026 among the key lines here. Against a median of 80.55% for banks in the $100M-1B asset tier, Bank of the Federated States of Micronesia reported 25.49% on loan-to-deposit ratio in Q2 2026, 55.07 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $102.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $214.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 25.49% |
| Net loans and leases to deposits | 24.56% |
| Loans and leases to core deposits | 30.10% |
| Core deposits to total deposits | 84.67% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 30.90% | 95.86% | $0 | $0 |
| Q4 2023 | 32.12% | 95.67% | $0 | $0 |
| Q1 2024 | 33.70% | 90.87% | $0 | $0 |
| Q2 2024 | 30.36% | 85.83% | $0 | $0 |
| Q3 2024 | 29.05% | 83.68% | $0 | $0 |
| Q4 2024 | 27.49% | 85.81% | $0 | $0 |
| Q1 2025 | 27.78% | 85.01% | $0 | $0 |
| Q2 2025 | 24.96% | 86.34% | $0 | $0 |
| Q3 2025 | 26.99% | 86.24% | $0 | $0 |
| Q4 2025 | 27.29% | 86.34% | $0 | $0 |
| Q1 2026 | 27.67% | 84.18% | $0 | $0 |
| Q2 2026 | 25.49% | 84.67% | $0 | $0 |
Bank of the Federated States of Micronesia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Federated States of Micronesia, freeSource: Call Report Schedules RC and RC-M, 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)