Visbanking Logo
Skip to main content

Bank Of The Federated States Of Micronesia

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #718275 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -34
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 26.1%, cash 32.3% of assets.

Cash / Assets
32.28%
Loans / Deposits
26.09%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -34
34
Sub-score

Securities profile is weak: securities 39.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.81%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 47.69%, CET1 47.69%, leverage 12.49%.

Tier 1 RBC
47.69%
CET1
47.69%
Leverage
12.49%
No watch items at this period.

Asset Quality

StableQoQ -1
72
Sub-score

Asset quality is stable: Adjusted NPL 1.46%, Texas Ratio 2.5%, NCO YTD 0.47%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.47%
30-89 PD
6.74%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.35% of loans, coverage 236.8%, true coverage 175.1%.

ALLL / Loans
3.35%
Coverage
236.8%
True Loss Coverage
175.1%
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