Bank of the Federated States of Micronesia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 2.19 percentage points in Q2 2026, from 27.67% to 25.49%. It was the largest change from Q1 2026 among the key lines here. Bank of the Federated States of Micronesia's loan-to-deposit ratio of 25.49% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 55.07 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.5M |
| Net loans and leases | $60.3M |
| Loans held for sale | $0 |
| Loans to total assets | 22.46% |
| Loan-to-deposit ratio | 25.49% |
| Net loans to equity capital | 1.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.37% |
| Multifamily (5+ residential) | 12.02% |
| Commercial and industrial | 18.71% |
| Consumer | 34.96% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.20% |
| Construction concentration (Tier 1 capital + allowance) | 7.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.21% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $60.5M | $195.9M | 16.87% | 21.34% | 30.86% |
| Q4 2023 | $60.4M | $188.1M | 16.56% | 21.16% | 32.97% |
| Q1 2024 | $61.2M | $181.5M | 18.98% | 20.21% | 31.26% |
| Q2 2024 | $60.3M | $198.5M | 18.75% | 21.06% | 30.57% |
| Q3 2024 | $59.3M | $204.3M | 18.97% | 20.43% | 30.92% |
| Q4 2024 | $60.0M | $218.1M | 18.59% | 19.08% | 33.36% |
| Q1 2025 | $59.3M | $213.4M | 18.50% | 18.79% | 33.74% |
| Q2 2025 | $60.2M | $241.1M | 18.35% | 19.29% | 34.31% |
| Q3 2025 | $62.6M | $232.0M | 21.55% | 18.33% | 33.66% |
| Q4 2025 | $64.4M | $235.9M | 19.95% | 18.53% | 35.29% |
| Q1 2026 | $63.6M | $229.7M | 20.21% | 18.54% | 35.14% |
| Q2 2026 | $62.5M | $245.4M | 20.37% | 18.71% | 34.96% |
Bank of the Federated States of Micronesia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Federated States of Micronesia, freeSource: Call Report Schedule RC-C, 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)