Bank of the Federated States of Micronesia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Federated States of Micronesia against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.52% | 1.25% | +0.27% | 63rd above |
| ROAE Behind the peer average, ahead of the median peer. | 12.63% | 13.17% | -0.54% | 51st above |
| Net Interest Margin | 4.32% | 3.95% | +0.37% | 71st above |
| Efficiency Ratio | 62.28% | 61.50% | +0.78% | 46th below |
| PPNR / Avg Assets | 1.71% | — | — | 57th above |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 17th bottom |
| Cost of Funds | 0.60% | 1.87% | -1.27% | 98th top |
| Net Interest Spread | 3.91% | — | — | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 10.53% | 0.93% | +9.60% | 0th bottom |
| NPA / Total Assets | 2.36% | — | — | 6th bottom |
| NCO / Avg Loans | 0.34% | 0.15% | +0.19% | 9th bottom |
| ACL / Total Loans | 3.65% | — | — | 99th top |
| ACL / NPLs (Coverage) | 34.68% | — | — | 5th bottom |
| Texas Ratio | 18.22% | 6.06% | +12.16% | 7th bottom |
| Provision / NCO | 171.97% | — | — | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 47.46% | 17.18% | +30.28% | 98th top |
| Tier 1 Ratio | 47.46% | 17.21% | +30.25% | 98th top |
| Total Capital Ratio | 48.73% | — | — | 98th top |
| Leverage Ratio | 12.47% | 11.75% | +0.72% | 69th above |
| Equity / Assets | 11.48% | 10.98% | +0.50% | 65th above |
| TCE / Tangible Assets | 11.48% | — | — | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 25.49% | 80.44% | -54.95% | 99th top |
| Core Deposit Ratio | 84.67% | 86.95% | -2.28% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.83% | — | — | 31st below |
| Loan Growth (Y/Y) | 3.95% | — | — | 41st below |
| Deposit Growth (Y/Y) | 1.78% | — | — | 33rd below |
See Bank of the Federated States of Micronesia's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Federated States of Micronesia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the Federated States of Micronesia profile, how to read a UBPR, or how this data updates.