Total Assets
$271M
Total balance-sheet footings
FDIC Cert #26539 · Kolonia, Federated States Of Micronesia · Est. 1986
Bank of the Federated States of Micronesia - FDIC Bank Health Profile
A community-scale look at Bank of the Federated States of Micronesia's own numbers, pulled straight from its quarterly FDIC Call Report.
- $271M
- Total assets
- A
- Health grade · Excellent
- 1.52%
- Return on assets
- 48.8%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of the Federated States of Micronesia earns a PlainBankData health grade of A (89/100), with well-capitalized at 48.78% Tier 1, profitable at 1.52% ROA, 63% efficiency ratio.
- #2,643
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 48.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
FDIC Call Report plate
Cert 26539 · FM A · 89/100
GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL
- GRADE-A A (89/100)
- UPPER-Q #828/4307
- PHOTO-FINISH Eastbank, National A… · NY
- TIER1-WELL 48.8% Tier 1
- TEXAS-CLEAN 6.2% Texas
- ROA-STRONG 1.52% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Federated States Of Micronesia: Eastbank, National Association, NY (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Bank of the Federated States of Micro…
Lowest and highest poles plus nearest scored peers outside Federated States Of Micronesia, not a full FDIC corpus board reprint.
Plate reading for Bank of the Federated States of Micro… where failures stay rare
Bank of the Federated States of Micronesia (FDIC Cert #26539) carries a PlainBankData health grade of A at 89/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #828 of 4,307. Tier 1 capital prints at 48.78%, clearing the 10% well-capitalized line. The Texas Ratio is 6.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.52%. Balance-sheet scale is $271M, 2,643rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eastbank, National Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Bank of the Federated States of Micro…
Zero FAILURE resolutions in Federated States Of Micronesia since 2000
Bank of the Federated States of Micronesia is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.
No FAILURE rows on the Failed Bank List for this state in the loaded window.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Federated States Of Micronesia banks.
How Bank of the Federated States of Micronesia's 89/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (48.78%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (6.17%) 16/20
Efficiency Ratio (62.73%) 8/15
89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$236M
Customer-funded liabilities
Net Loans
$62M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of the Federated States of Micronesia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of the Federated States of Micronesia's score of 89/100 falls in the highlighted band.
Bank of the Federated States of Micronesia: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
89 Top 19% higher than 81% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Bank of the Federated States of Micronesia's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of the Federated States of Micronesia's $271M falls in the highlighted band.
Safety metrics: Bank of the Federated States of Micro…
Tier 1 capital ratio
Well-capitalized 10%
48.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
48.78%
Texas Ratio
6.17%
Equity Capital
$34M
Earnings posture at Bank of the Federated States of Micro…
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
12.48%
Efficiency Ratio
62.73%
Income & expense at Bank of the Federated States of Micro…
$13M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of the Federated States of Micronesia reports a Texas Ratio of 6.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($271M here), outside Federated States Of Micronesia so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of the Federated States of Micronesia (FDIC Cert #26539) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Bank of the Federated States of Micronesia Call Report profile · FDIC Failed Bank List · Federated States Of Micronesia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.