Bank of the Federated States of Micronesia
Pohnpei, 0 · Cert 26539 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
$278.4MAssets
$62.5MLoans
$245.4MDeposits
$32.0MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets operating in a single state (rank 10 of 746).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating in a single state (rank 740 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.38%
Rank 219 of 746
Net Interest Margin
4.08%
Rank 213 of 746
Efficiency Ratio
64.17%
Rank 364 of 746
Equity / Assets
11.48%
Rank 282 of 746
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 51% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.72% | 1.06% | 1.45% | Beats 71% | 219 / 746 | |
| Return on Equity | 12.02% | 6.74% | 10.51% | 13.63% | Beats 63% | 275 / 746 | |
| Net Interest Margin | 4.08% | 3.17% | 3.68% | 4.16% | Beats 71% | 213 / 746 | |
| Efficiency Ratio | 64.17% | 55.74% | 64.58% | 75.47% | Beats 51% | 364 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.98% | 0.09% | 0.42% | 1.07% | Beats 1% | 740 / 743 | |
| Net Charge-Offs / Loans | 0.53% | 0.00% | 0.01% | 0.05% | Beats 3% | 724 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 47.46% | 11.55% | 13.75% | 17.60% | Beats 99% | 10 / 746 | |
| Total Risk-Based Capital Ratio | 48.73% | 11.71% | 14.33% | 18.43% | Beats 99% | 10 / 746 | |
| Equity / Assets | 11.48% | 8.90% | 10.51% | 13.06% | Beats 62% | 282 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 25.49% | 61.31% | 78.27% | 90.78% | 1st pctl | 735 / 746 | |
| Loans / Assets | 22.46% | 53.60% | 66.97% | 76.08% | 2nd pctl | 733 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |