Is Micronesia Safe?
Micronesia has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (82/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 46.73% | 100/100 |
| Nonperforming Loan Ratio | 0.91% | 82/100 |
| Liquidity Ratio | 72.63% | 100/100 |
| Return on Assets | 1.70% | 88/100 |
| Total Assets | $0.2B | |
How does Micronesia compare?
With a Bank Health Score of 93/100, Micronesia sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Micronesia, where 1 FDIC-insured banks are headquartered, Micronesia ranks around the state average of 93/100 (Grade A).
The bank's Tier 1 capital ratio of 46.73% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.91% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Micronesia's Bank Health Score improved by 11.0 points to 93/100. Tier 1 capital strengthened by 2.10 percentage points to 46.73%. Quarter-over-quarter, the score fell by 1.0 points.
Micronesia has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (82/100).