# MICRONESIA
KOLONIA, FM · FDIC certificate 26539 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $278.4M | |
| Deposits | $245.4M | |
| Loans and leases | $62.5M | |
| Total equity | $32.0M | |
| Loans / deposits | 24.56% (p6 of band) | 73.59% |
| Liquid assets / assets | 77.03% (p95 of band) | |
| Uninsured deposits / deposits | 67.08% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.47% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -10.77% (p38 of band) | -6.57% |
| AOCI / equity | -4.59% (p2 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.17% |
| Net interest margin | 4.32% (p69 of band) | 3.93% |
| Efficiency ratio | 64.17% (p46 of band) | |
| Noncurrent loans | 9.98% (p99 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p88 of band) | |
| Reserve coverage of noncurrent | 36.58% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 8.33% (p35 of band) | |
| Auto loans | $2.9M (4.57% of loans; DQ 1.16%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 110 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 2 | capital falling, reserve under noncurrent |  |
| 2014-09 | 3 | uninsured deposits >50%, noncurrent p90 | capital falling |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 | charge-offs p90 | capital falling |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | deposits shrinking |  |
| 2020-06 | 2 | capital falling | deposits shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 | noncurrent p90 |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | deposits shrinking |  |
| 2024-03 | 2 |  | noncurrent p90, deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | charge-offs p90 |
| 2024-12 | 2 | uninsured deposits leaving | uninsured deposits >50% |
| 2025-03 | 3 | uninsured deposits >50%, charge-offs p90 | uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent | capital falling, charge-offs p90 |
| 2026-03 | 4 | charge-offs p90 |  |
| 2026-06 | 4 | capital falling | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-05 [FSM and ADB Strengthen Development Partnership in Bilateral Meeting - FSM Government](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcDc5RWxrNWRNMlVVMVFjc2xlT3MyZFg4S0t1RFZtNmdyVjUxQWhMUFBnWUg1MzYyYzYyLXFsQlhPUWlsSE10RzFDbXlfU0wwLTROVFloSnAtN2JEd2FxX3NmOGlkcHlaS3lJSi15THpzX2wyRXdaU05FYUVNMG1DRUtoZTlidkNaSUVZ?oc=5) · FSM Government
- 2026-08-17 [FSM President Simina Calls Gender Equality a Fundamental Pillar of Sustainable Development in Micronesia - FSM Government](https://news.google.com/rss/articles/CBMivAFBVV95cUxQM0JObWZOczJGS1FENjg3TUNkbzJoV3ZWNjc0aktyMzVKNkJjSjJfcGMwSWJJNlFseWdzY1QxWk9mY0ZXZmZlWkoxSF9YUFhrcnlYYVc0bzdNd3hQT3MzZE5lcG5NdS04XzNIN3dHOXZaZVVVSDFqMlJMVDQwQXpPMDZ3MG9FUWxPejgxQm1UZHphV2Q0RFhTMDJRU3RLZDl1V1lwXy04ZEVad2pWZE95UlFKR2FyMmY5b0IyaQ?oc=5) · FSM Government
- 2023-06-09 [Japan, Australia, US to Fund East Micronesia Cable System (EMCS) - Submarine Networks](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOMVRUaEM4ZFI2OWNNVThNLTRVRE5XS29Zc01SWWtZTGJFWkgxSUlEcE03SndFOTNKWVhKRkFQMHpobzhMZmRsNWc1aWw0YWxoWkUxeXlFRndxQkV4U1kzWjRLYU9PZEdraWE5aG9wblpZNmtYLV95WTZtQ19lQVowUnFtcWxTZGdOQk9vOWlISGRyWEZQamNzUkVEV2R6MW5mX1RsTHdxXzYyY29xYnlsMjNzZmVRNFpjZW9mUU1TSERQQQ?oc=5) · Submarine Networks
- 2025-01-21 [2024 Investment Climate Statements: Micronesia - 2021-2025.state.gov](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNDZ4OVc2NUZ2Y0xzeGppb2szYUFPdU5rNk5JQjFOMVduaW9XMTVqTVVnVk45TWVBN0ZjY09EWXlzMEZ1VzBiVUh4dm5HQWtBbVlLNDNTeURYbFVtbmx5RkZHOVdZVzVnU2dtQ2dYR1NIM2pEeXp4REhJNGdrYUZsbU1udmRPQ3ljSGc?oc=5) · 2021-2025.state.gov
- 2026-06-18 [President Signs Contract for East and West Pou Circular Road Upgrade in Chuuk - FSM Government](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRzBtYWhPSFpmVXQxSDV4T29aYjV2ZFdwVXBTM0FCZDh3M0k3UzY0SzdUU1ROYmY3ZGJZWmlCeDNZWG5oTXRfSi1pYlRkc3ZlQzd1bk9WR05CNDZxakljbEFfYk8wYTgybXoyUGpvNmlUNW1VRUVtSV83cVFNX0I1RUl6NzZNcThmTWRyS0JuS3lnVHV4M3JHMQ?oc=5) · FSM Government
- 2025-09-08 [The Complete Guide to Using AI in the Healthcare Industry in Micronesia in 2025 - Affordable Coding Bootcamp](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQSTR6UEt6bGtHLVIxVnBxOTZpNV9aMUpockRTZXdadl95NWZVN2VmVW5LOTdpcVlZeFFKdnlON3pyOE5sVEU0a0dRTUc2eWtPNHp2dFp0T1NIUHRmZjA5ajhZUFBMc0trcUZXbTZRVFMwX2xQblA3Skw0YTRURklOaGw2TW8tUXZFZy1xT2lRQVpNUm5URmUwVHZaaTdZblo2elNtX3g3QV94SlNvdHNjQUJSMThUNzFDMXB1Z2xfUnlZMWE2Z2xCdkxZYUg3WVQ4UVUxdnlSNXE0VTYxcDJ5LXpB?oc=5) · Affordable Coding Bootcamp
- 2017-05-04 [NEC begins Construction of Submarine Cable Links to the Islands of Palau, Yap and Chuuk: Press Releases - nec.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE45eGdxd2hpdk5USnRhVVhkOG9taVZoUExJOXBFVXlwQl9KZ3FPM3VJRnU1VEM2YjBKdkRDcl9QTWtoYnFCRGY1WE50QWxlcm95SkkzUGJhNFBSUmRRYmFXcGplV1RFQmVLUDFV?oc=5) · nec.com
- 2025-10-22 [THE FSM GOVERNMENT ANNOUNCES THE PASSING OF FORMER PRESIDENT JOHN R. HAGLELGAM - FSM Government](https://news.google.com/rss/articles/CBMikAFBVV95cUxNd2RwZGlEUmN1V1hfNnllVEtzTW5TempIMEtLQVk3RWxhaUNTR1lsSGVRVHd2MDl5QWtYY19iMlVSWkYybk8zNE5HOW43Yzl5VGtwOEpsRlgxTUlwd1pQRHBzWGpGLXVvUTRWcjlRWmpVODdMczlqc2ZVUHVyb2tFTGlLS0FKQ29falo1d3dsSUs?oc=5) · FSM Government

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26539 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "26539", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide