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.
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.
Bank of the Federated States of Micronesia's 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'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
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
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
12.48%
Efficiency Ratio
62.73%
What the numbers say about Bank of the Federated States of Micronesia
Bank of the Federated States of Micronesia is an FDIC-insured institution (Certificate #26539) headquartered in Kolonia, Federated States Of Micronesia, established in 1986. It holds $271M in total assets - 2,643rd of 4,313 FDIC-insured banks, $236M in customer deposits, and $62M in net loans. On safety, its Tier 1 capital ratio of 48.78% is above the 10% well-capitalized threshold, and its Texas Ratio of 6.17% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (89/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Income & expense breakdown
$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.
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.
Frequently asked questions
What is Bank of the Federated States of Micronesia's health grade?▼
Bank of the Federated States of Micronesia receives a health grade of A (89/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of the Federated States of Micronesia?▼
Bank of the Federated States of Micronesia holds $271M in total assets and $236M in deposits, ranking 2,643rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Kolonia, Federated States Of Micronesia.
Is my money safe at Bank of the Federated States of Micronesia?▼
Yes, deposits at Bank of the Federated States of Micronesia (Certificate #26539) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of the Federated States of Micronesia's Tier 1 Capital Ratio?▼
Bank of the Federated States of Micronesia has a Tier 1 Capital Ratio of 48.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of the Federated States of Micronesia?▼
Bank of the Federated States of Micronesia has a Texas Ratio of 6.17%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of the Federated States of Micronesia?▼
Bank of the Federated States of Micronesia has an Efficiency Ratio of 62.73%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of the Federated States of Micronesia's profile as a depositor or analyst.
- Bank of the Federated States of Micronesia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of the Federated States of Micronesia against other Federated States Of Micronesia banks before moving funds. Federated States Of Micronesia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.