Bank of the Federated States of Micronesia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 35.91 percentage points in Q2 2026, from 72.49% to 36.58%. It was the largest change from Q1 2026 among the key lines here. Bank of the Federated States of Micronesia reported 1.52% on return on assets for Q2 2026, 0.26 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 47.46% |
| Tier 1 risk-based capital ratio | 47.46% |
| Total risk-based capital ratio | 48.73% |
| Tier 1 leverage ratio | 12.47% |
| Equity capital to assets | 11.48% |
| Tangible equity to tangible assets | 11.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 9.98% |
| Non-performing assets ratio | 2.24% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 18.22% |
| Allowance for credit losses to loans | 3.65% |
| Reserve coverage of non-performing loans | 36.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 12.63% |
| Net interest margin | 4.32% |
| Efficiency ratio | 62.28% |
| Yield on earning assets | 4.85% |
| Cost of funds | 0.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 25.49% |
| Core deposits to total deposits | 84.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.14% |
| Securities to assets | 40.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 44.62% | 44.62% | 45.90% | 13.01% | 1.63% |
| Q4 2023 | 44.34% | 44.34% | 45.61% | 13.72% | 2.14% |
| Q1 2024 | 45.75% | 45.75% | 47.01% | 14.40% | 1.74% |
| Q2 2024 | 46.73% | 46.73% | 48.00% | 14.05% | 1.59% |
| Q3 2024 | 46.81% | 46.81% | 48.08% | 13.94% | 1.54% |
| Q4 2024 | 47.58% | 47.58% | 48.85% | 13.82% | 1.78% |
| Q1 2025 | 49.77% | 49.77% | 51.04% | 13.62% | 1.52% |
| Q2 2025 | 47.47% | 47.47% | 48.74% | 12.76% | 1.66% |
| Q3 2025 | 47.69% | 47.69% | 48.96% | 12.49% | 1.65% |
| Q4 2025 | 48.78% | 48.78% | 50.05% | 13.16% | 1.30% |
| Q1 2026 | 49.00% | 49.00% | 50.27% | 13.00% | 1.29% |
| Q2 2026 | 47.46% | 47.46% | 48.73% | 12.47% | 1.52% |
Bank of the Federated States of Micronesia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Federated States of Micronesia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)