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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2026-Q1QoQ -5

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

Quarterly Headline

2026-Q1

Bank #718275 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.95% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -5 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -15

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 26.7%, cash 32.6% of assets.

Cash / Assets
32.56%
Loans / Deposits
26.72%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -3
33
Sub-score

Securities profile is weak: securities 40.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.07%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 49.00%, CET1 49.00%, leverage 13.00%.

Tier 1 RBC
49.00%
CET1
49.00%
Leverage
13.00%
No watch items at this period.

Asset Quality

WatchQoQ -9
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.95%, Texas Ratio 8.0%, NCO YTD 0.65%.

Adjusted NPL
4.95%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
0.65%
30-89 PD
5.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.95% (govt-guarantees stripped).

Reserves

WatchQoQ -15
55
Sub-score

Reserves are deteriorating: ALLL 3.46% of loans, coverage 72.5%, true coverage 65.0%.

ALLL / Loans
3.46%
Coverage
72.5%
True Loss Coverage
65.0%
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