Bank Comparison
Wilmington Savings Bank, the vs Bank of the Federated States of Micronesia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Wilmington Savings Bank, the | Bank of the Federated States of Micronesia |
|---|---|---|
| CET1 Ratio | — | 49.00% |
| Tier 1 Capital Ratio | — | 49.00% |
| Total Capital Ratio | — | 50.27% |
| Tier 1 Leverage Ratio | 14.63% | 13.00% |
| Equity / Assets | 14.46% | 12.84% |
Profitability
| Metric | Wilmington Savings Bank, the | Bank of the Federated States of Micronesia |
|---|---|---|
| Return on Assets (ROA) | 0.89% | 1.29% |
| Return on Equity (ROE) | 6.20% | 10.39% |
| Net Interest Margin (NIM) | 2.29% | 4.15% |
| Yield on Earning Assets | 4.23% | 4.74% |
| Cost of Funds | 2.26% | 0.67% |
Asset quality
| Metric | Wilmington Savings Bank, the | Bank of the Federated States of Micronesia |
|---|---|---|
| Texas Ratio | 6.90% | 9.35% |
| Non-Performing Loan Ratio | 1.47% | 5.32% |
| Non-Performing Asset Ratio | 1.17% | 1.28% |
| Net Charge-Off Ratio | 0.00% | 0.65% |
| ACL / Loans | 3.12% | 3.46% |
Balance sheet
| Metric | Wilmington Savings Bank, the | Bank of the Federated States of Micronesia |
|---|---|---|
| Total Assets | $265,141K | $264,620K |
| Total Deposits | $225,531K | $229,687K |
| Total Loans | $210,507K | $63,563K |
| Total Equity | $38,351K | $33,977K |
| Net Income (quarter) | $591 | $881 |
Liquidity & funding
| Metric | Wilmington Savings Bank, the | Bank of the Federated States of Micronesia |
|---|---|---|
| Loan-to-Deposit Ratio | 93.34% | 27.67% |
| Core Deposit Ratio | 86.90% | 84.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wilmington Savings Bank, the | Bank of the Federated States of Micronesia |
|---|---|---|
| Headquarters City | WILMINGTON | POHNPEI |
| Headquarters State | OH | — |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 22 | 111 |
| Established | Jan. 1, 1890, midnight | Feb. 7, 1986, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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