BlastPoint's Banking Scorecard
Bank of the Federated States of Micronesia
Kolonia, FM
5 branches across FM · MP
Bank of the Federated States of Micronesia has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.40% above tier average
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 49.7% in tier
- - Margin Compression: Bottom 52.1% in tier
- - Delinquency Rate 4.06% above tier average
- - Efficiency Ratio 0.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$264.6M
+7.5% YoY
-2.3% QoQ
|
-$121.5M |
$386.1M
+0.5% YoY
|
$264.6M
+7.5% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$61.4M
+7.0% YoY
-1.3% QoQ
|
-$194.4M |
$255.7M
+1.1% YoY
|
$61.4M
+7.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.3% in tier |
| Total Deposits ? |
$229.7M
+7.6% YoY
-2.6% QoQ
|
-$98.3M |
$328.0M
+0.1% YoY
|
$229.7M
+7.6% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
1.32%
-14.1% YoY
-13.7% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.32%
-14.1% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.26%
-1.7% YoY
-6.1% QoQ
|
+0.33% |
3.93%
+6.0% YoY
|
4.26%
-1.7% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
66.12%
+5.9% YoY
+5.4% QoQ
|
+0.84% |
65.29%
-4.5% YoY
|
66.12%
+5.9% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
4.95%
+242.3% YoY
+38.5% QoQ
|
+4.06% |
0.89%
+18.8% YoY
|
4.95%
+242.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.2% in tier |
| Loan-to-Deposit Ratio ? |
26.72%
-0.6% YoY
+1.3% QoQ
|
-49.92% |
76.64%
+0.8% YoY
|
26.72%
-0.6% YoY
|
76.70%
+0.9% YoY
|
Top 1.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.42%
-4.2% YoY
+7.0% QoQ
|
+14.40% |
22.02%
-1.0% YoY
|
36.42%
-4.2% YoY
|
22.01%
-1.2% YoY
|
Top 8.2% in tier |
| Nonperforming Asset Ratio ? |
1.15%
+240.6% YoY
+39.9% QoQ
|
+0.51% |
0.64%
+19.7% YoY
|
1.15%
+240.6% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
49.00%
-1.6% YoY
+0.5% QoQ
|
+33.17% |
15.83%
+1.5% YoY
|
49.00%
-1.6% YoY
|
17.06%
+0.8% YoY
|
Top 0.9% in tier |
| Non-Interest Income / Assets ? |
0.10%
-24.7% YoY
-73.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.10%
-24.7% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.