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Bank Of The Federated States Of Micronesia

IDRSSD: 718275
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2023-Q4QoQ +10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #718275 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.82% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +10 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +33
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 31.2%, cash 50.6% of assets.

Cash / Assets
50.56%
Loans / Deposits
31.19%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.61%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 44.34%, CET1 44.34%, leverage 13.72%.

Tier 1 RBC
44.34%
CET1
44.34%
Leverage
13.72%
No watch items at this period.

Asset Quality

WatchQoQ +33
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.97%, Texas Ratio 3.5%, NCO YTD 3.82%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
3.82%
30-89 PD
2.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.82% of loans.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 2.90% of loans, coverage 151.4%, true coverage 113.2%.

ALLL / Loans
2.90%
Coverage
151.4%
True Loss Coverage
113.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:04:28 UTC