The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 18 points (70 → 52), mostly because the loan quality component weakened by 53 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. Bank of the Federated States of Micronesia is an FDIC-insured institution (FDIC certificate #26539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 67.1% of deposits ($164.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 48.73% (benchmark: 10%).

Check how much of your own balance is covered

Bank of the Federated States of Micronesia lists 4 offices in 4 cities. Most locations:

• Chuuk, FM (1)
• Kolonia, FM (1)
• Kosrae, FM (1)
• Yap, FM (1)

All branch addresses and map

Legal name

Bank of the Federated States of Micronesia

Type

State-chartered bank

FDIC certificate #

26539

RSSD ID

718275

Primary regulator

FDIC

Established

February 7, 1986

Headquarters

98 Kaselehlie Street, Kolonia, FM 96941

Website

www.bofsm.bank

Employees

110