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Bank Of The Federated States Of Micronesia
Kolonia, FM · FDIC Certificate #26539 · Chartered 02/0
Total assets
$278.42M
Total deposits
$245.40M
Total equity
$31.97M
Net loans
$60.26M
Branches (offices)
4
Net income (YTD)
$1.92M
Rank: #2,575 of 4,213 U.S. banks by assets · #1 of 1 in Micronesia. Assets changed 1.8% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 11.56% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 11.48% |
| Tier 1 leverage ratio | 12.47% |
| Uninsured deposits (share of deposits) | 67.1% |
| Noncurrent loans (share of loans) | 9.98% |
| Net charge-offs (share of loans) | 0.49% |
| Loans to deposits | 24.6% |
| Real estate loans (share of loans) | 48.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.97M | 48.1% | |
| Commercial & industrial | $11.70M | 19.4% | |
| Consumer / individual | $21.87M | 36.3% | |
| Construction & development | $2.66M | 4.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $211.41M | $187.47M | $919.00K | $23.34M |
| Jun 2023 | $222.30M | $197.19M | $1.64M | $24.31M |
| Jun 2024 | $227.27M | $198.51M | $1.85M | $27.39M |
| Jun 2025 | $273.41M | $241.12M | $2.01M | $31.21M |
| Jun 2026 | $278.42M | $245.40M | $1.92M | $31.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Micronesia | $245.40M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $245.40M.
Similar-sized banks
First Bank Of Ohio ($278.43M) · Fnb Bank, Inc. ($277.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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