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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -8

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

Quarterly Headline

2025-Q4

Bank #718275 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.57% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -30

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 26.4%, cash 33.5% of assets.

Cash / Assets
33.53%
Loans / Deposits
26.37%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +2
36
Sub-score

Securities profile is weak: securities 39.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 48.78%, CET1 48.78%, leverage 13.16%.

Tier 1 RBC
48.78%
CET1
48.78%
Leverage
13.16%
No watch items at this period.

Asset Quality

WatchQoQ -17
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.57%, Texas Ratio 6.0%, NCO YTD 0.39%.

Adjusted NPL
3.57%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.39%
30-89 PD
3.61%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.57% (govt-guarantees stripped).

Reserves

StableQoQ -30
70
Sub-score

Reserves are stable: ALLL 3.37% of loans, coverage 97.7%, true coverage 85.2%.

ALLL / Loans
3.37%
Coverage
97.7%
True Loss Coverage
85.2%
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