Bank of the Federated States of Micronesia
Kolonia, FM
IDRSSD: 718275
Total Assets
$270.94M
Latest filing
Total Deposits
$235.90M
Latest filing
Net Interest Margin
4.62%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 113 |
| 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 | 01/30/2026 |
| CERT | 26539 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $270.94M |
| Total Deposits | $235.90M |
| Total Liabilities | $237.09M |
| Total Equity Capital | $33.85M |
| Net Income | $855.00k |
| Net Loans and Leases | $62.20M |
| Assets Per Employee ($Millions) | $2.38M |
| Bank Premises and Fixed Assets | $1.97M |
| Cash and Balances due from Depository Institutions | $90.86M |
| Deposits Held in Domestic Offices | $235.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 10.28% |
| Net Interest Margin | 4.62% |
| Efficiency Ratio | 69% |
| Tier 1 Risk-Based Capital Ratio | 48.775% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.494% |
| Earning Assets to total Assets | 96.22% |
Income and Expense
| Total Interest Income | $3.29M |
| Total Noninterest Income | $212.00k |
| Total Interest Expense | $313.00k |
| Total Noninterest Expense | $2.20M |
| Net Interest Income | $2.98M |
| Pre-tax Net Operating Income | $855.00k |
| Provision for Credit Losses | $135.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $1.19M |
| Total Liabilities and Capital | $270.94M |
Securities
| Securities | $113.69M |
| Available-for-sale debt securities | $112.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$270.94M as of the latest filing.
How much are Bank of the Federated States of Micronesia's total deposits?
$235.90M in total deposits.
Where is Bank of the Federated States of Micronesia located?
Kolonia, FM.
What is the Net Interest Margin?
4.62%.
How many domestic offices does it operate?
—.
When was it established?
02/07/1986.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$62.20M (latest filing).
What is the total interest income (latest filing)?
$3.29M.