BlastPoint's Banking Scorecard
Bank of the Federated States of Micronesia
Micro
Specialty: Other
FM
FDIC cert 26539
Designations: ✓ Community bank
Kolonia, FM
2498
banks in Micro tier nationally
1 in FM
View Micro leaderboard (FM) →
Bank of the Federated States of Micronesia has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 39.92% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.93% above tier
- - Loan-to-Deposit Ratio 48.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.9M
+8.7% YoY
+1.9% QoQ
|
+$53.4M |
$217.5M
+2.3% YoY
|
$270.9M
+8.7% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$62.2M
+7.1% YoY
+2.7% QoQ
|
-$77.0M |
$139.2M
+2.8% YoY
|
$62.2M
+7.1% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$235.9M
+8.1% YoY
+1.7% QoQ
|
+$52.2M |
$183.7M
+1.8% YoY
|
$235.9M
+8.1% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.52%
-8.5% YoY
-5.4% QoQ
|
+0.44% |
1.08%
+14.7% YoY
|
1.52%
-8.5% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.54%
-0.9% YoY
+0.6% QoQ
|
+0.69% |
3.85%
+6.6% YoY
|
4.54%
-0.9% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
62.73%
+0.9% YoY
+3.6% QoQ
|
-4.99% |
67.73%
-4.8% YoY
|
62.73%
+0.9% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
3.57%
+373.3% YoY
+144.3% QoQ
|
+2.93% |
0.64%
+24.4% YoY
|
3.57%
+373.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
26.37%
-0.9% YoY
+1.1% QoQ
|
-48.16% |
74.53%
+0.5% YoY
|
26.37%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.03%
-11.7% YoY
-13.0% QoQ
|
+11.64% |
22.39%
-1.3% YoY
|
34.03%
-11.7% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.82%
+366.5% YoY
+146.3% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.82%
+366.5% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
48.78%
+2.5% YoY
+2.3% QoQ
|
+39.92% |
8.85%
-3.4% YoY
|
48.78%
+2.5% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.37%
-4.7% YoY
+24.2% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.37%
-4.7% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
48.78%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.57%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
26.37%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Tier 1 Capital Ratio
Current: 48.78% · Tier avg: 8.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.03% · Tier avg: 22.39%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
76
76th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
67
67th pctile
Total Deposits
Current: $235.9M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $270.9M · Tier avg: $217.5M
59
59th pctile
Efficiency Ratio
Current: 62.73% · Tier avg: 67.73%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
25
25th pctile
Total Loans
Current: $62.2M · Tier avg: $139.2M
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
1
1th pctile
Loan-to-Deposit Ratio
Current: 26.37% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 3.57% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.57% · Tier avg: 0.64%
1
1th pctile
Loan-to-Deposit Ratio
Current: 26.37% · Tier avg: 74.53%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
25
25th pctile
Total Loans
Current: $62.2M · Tier avg: $139.2M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
59
59th pctile
Efficiency Ratio
Current: 62.73% · Tier avg: 67.73%
66
66th pctile
Total Assets
Current: $270.9M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $235.9M · Tier avg: $183.7M
76
76th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.03% · Tier avg: 22.39%
100
100th pctile
Tier 1 Capital Ratio
Current: 48.78% · Tier avg: 8.85%