Bank of the Federated States of Micronesia
Kolonia, FM
IDRSSD: 718275
Total Assets
$265.85M
Latest filing
Total Deposits
$232.04M
Latest filing
Net Interest Margin
4.45%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of the Federated States of Micronesia
98 Kaselehlie Street
Kolonia, FM 96941
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/07/1986FDIC Certificate 35228
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of the Federated States of Micronesia (Main) | 98 Kaselehlie Street | Kolonia, FM |
| KOSRAE BRANCH | 148 Causeway Drive | Kosrae, FM |
| YAP BRANCH | 441 Yca Commercial Building | Yap, FM |
| CHUUK BRANCH | 640 Awm Building | Chuuk, FM |
| SAIPAN LOAN PRODUCTION OFFICE | Room 601, Sixth Floor, Mariana Business Plaza, Susupe | Saipan, MP |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/07/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 96941 |
| State and County Number | 64040 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 109 |
| Domestic Offices | 0 |
| Foreign Offices | 0 |
| US Offices | 5 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 02/07/1986 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/14/2025 |
| CERT | 26539 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $265.85M |
| Total Deposits | $232.04M |
| Total Liabilities | $233.16M |
| Total Equity Capital | $32.69M |
| Net Income | $1.11M |
| Net Loans and Leases | $60.54M |
| Assets Per Employee ($Millions) | $2.35M |
| Bank Premises and Fixed Assets | $1.88M |
| Cash and Balances due from Depository Institutions | $85.83M |
| Deposits Held in Domestic Offices | $232.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 13.96% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 58.43% |
| Tier 1 Risk-Based Capital Ratio | 47.687% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.297% |
| Earning Assets to total Assets | 96.18% |
Income and Expense
| Total Interest Income | $3.28M |
| Total Noninterest Income | $250.00k |
| Total Interest Expense | $400.00k |
| Total Noninterest Expense | $1.83M |
| Net Interest Income | $2.88M |
| Pre-tax Net Operating Income | $1.11M |
| Provision for Credit Losses | $185.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.12M |
| Total Liabilities and Capital | $265.85M |
Securities
| Securities | $115.27M |
| Available-for-sale debt securities | $114.14M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of the Federated States of Micronesia?
$265.85M as of the latest filing.
How much are Bank of the Federated States of Micronesia's total deposits?
$232.04M in total deposits.
Where is Bank of the Federated States of Micronesia located?
Kolonia, FM.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
—.
When was it established?
02/07/1986.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$60.54M (latest filing).
What is the total interest income (latest filing)?
$3.28M.