BlastPoint's Banking Scorecard

Bank of the Federated States of Micronesia

$100M-$1B Specialty: Other FM FDIC cert 26539

Kolonia, FM

5 branches across FM · MP

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 1 in FM.
Deposits +1.8% year over year ($245.4M on the books).
Delinquency rate 10.36%.
Return on assets 1.42%.
Efficiency ratio 64.17% vs a 64.48% peer average.
Loan-to-deposit ratio 24.56% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 1 in FM

View $100M-$1B leaderboard (FM) →

Bank of the Federated States of Micronesia has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 14.55% above tier average
+ ROA 0.09% above tier average
+ Net Interest Margin 0.33% above tier average
+ Efficiency Ratio 0.31% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 55.7% in tier
- Delinquency Rate 9.44% above tier average
- Nonperforming Asset Ratio 1.57% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
Total Assets ?	$278.4M +1.8% YoY +5.2% QoQ	-$108.2M	$386.6M +1.2% YoY	$278.4M +1.8% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$60.3M +3.6% YoY -1.8% QoQ	-$198.1M	$258.3M +1.7% YoY	$60.3M +3.6% YoY	$3.2B +9.4% YoY	Bottom 4.7% in tier
Total Deposits ?	$245.4M +1.8% YoY +6.8% QoQ	-$81.3M	$326.7M +0.7% YoY	$245.4M +1.8% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	1.42% -9.8% YoY +7.7% QoQ	+0.09%	1.32% +10.8% YoY	1.42% -9.8% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	4.32% -3.8% YoY +1.4% QoQ	+0.33%	3.99% +5.0% YoY	4.32% -3.8% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	64.17% +4.1% YoY -3.0% QoQ	-0.31%	64.48% -3.2% YoY	64.17% +4.1% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	10.36% +609.8% YoY +109.4% QoQ	+9.44%	0.92% +15.7% YoY	10.36% +609.8% YoY	0.98% +16.3% YoY	Bottom 0.3% in tier
Loan-to-Deposit Ratio ?	24.56% +1.8% YoY -8.1% QoQ	-53.39%	77.95% +1.0% YoY	24.56% +1.8% YoY	79.03% +2.3% YoY	Top 1.1% in tier
Non-Interest-Bearing Deposit Share ?	36.58% -4.9% YoY +0.4% QoQ	+14.55%	22.03% -0.6% YoY	36.58% -4.9% YoY	21.98% -0.6% YoY	Top 7.8% in tier
Nonperforming Asset Ratio ?	2.24% +621.9% YoY +95.4% QoQ	+1.57%	0.67% +16.4% YoY	2.24% +621.9% YoY	0.69% +15.8% YoY	Bottom 5.8% in tier
Tier 1 Capital Ratio ?	47.46% -0.0% YoY -3.1% QoQ	+31.55%	15.91% +1.4% YoY	47.46% -0.0% YoY	17.09% +0.8% YoY	Top 1.1% in tier
Non-Interest Income / Assets ?	0.18% -8.6% YoY +86.8% QoQ	-0.38%	0.57% +7.6% YoY	0.18% -8.6% YoY	0.66% +5.2% YoY	45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
Noninterest-Bearing	36.6% -1.9pp YoY +0.2pp QoQ	+14.4pp	22.1%	36.6%	22.2%	92%
Brokered Deposits	n/a	n/a	7.9%	n/a	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
C&I	19.4% -0.5pp YoY +0.2pp QoQ	+7.9pp	11.6%	19.4%	12.5%	87%
CRE	38.0% +1.6pp YoY +0.2pp QoQ	-1.5pp	39.5%	38.0%	41.4%	49%
1-4 Family	10.0% -1.5pp YoY -0.1pp QoQ	-22.6pp	32.6%	10.0%	31.3%	11%
Consumer	36.3% +0.8pp YoY -0.1pp QoQ	+32.2pp	4.1%	36.3%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
CET1 Ratio	47.5% 0.0pp YoY -1.5pp QoQ	+28.6pp	18.8%	47.5%	19.7%	98%
Leverage Ratio	12.5% -0.3pp YoY -0.5pp QoQ	+0.3pp	12.2%	12.5%	12.6%	70%
Total Capital Ratio	48.7% 0.0pp YoY -1.5pp QoQ	+28.8pp	19.9%	48.7%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
Full-Time Employees	110 +1 (+0.9%) YoY -1 (-0.9%) QoQ	+51	58	110	482	90%
Assets per Employee ($)	$2.5M +0.9% YoY +6.2% QoQ	-$5.0M	$7.5M	$2.5M	$8.8M	1%
Branch Count	n/a	n/a	4	n/a	18	n/a

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	n/a	0.4%	n/a
Nonaccrual	10.4% +8.9pp YoY +5.4pp QoQ	+9.4pp	0.9%	10.4%	1.0%	100%
Allowance Coverage	0.37x -84.3% YoY -49.5% QoQ	-23.79x	24.15x	0.37x	20.23x	5%
Net Charge-off Rate (YTD)	0.5% -0.3pp YoY -0.2pp QoQ	+0.3pp	0.1%	0.5%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FM)	National Avg	Tier Percentile
ROE	11.6% -1.4pp YoY +1.2pp QoQ	-0.6pp	12.2%	11.6%	11.6%	47%
Cost of Funds (YTD)	0.6% 0.0pp YoY 0.0pp QoQ	-1.1pp	1.7%	0.6%	1.7%	3%
Net Income ($, YTD)	$1.9M -4.5% YoY — QoQ	-$633K	$2.6M	$1.9M	$40.4M	50%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#172 of 307 • Bottom 55.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.42%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 47.46%

Peer Median: 15.91%

#29 of 2643 Top 1.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 24.56%

Peer Median: 77.95%

#31 of 2643 Top 1.1% in $100M-$1B

207

Non-Interest-Bearing Deposit Share

funding

Value: 36.58%

Peer Median: 22.03%

#207 of 2643 Top 7.8% in $100M-$1B

Top Weaknesses (3 metrics)

2626

Delinquency Rate

credit_quality

Value: 10.36%

Peer Median: 0.92%

#2626 of 2633 Bottom 0.3% in $100M-$1B

2520

Total Loans

size

Value: $60.26M

Peer Median: $258.35M

#2520 of 2643 Bottom 4.7% in $100M-$1B

2490

Nonperforming Asset Ratio

credit_quality

Value: 2.24%

Peer Median: 0.67%

#2490 of 2643 Bottom 5.8% in $100M-$1B