FMS BANK

FORT MORGAN, CO | Small | Est. April 12, 1982, midnight | FDIC #23764 | RSSD #257756 | FED
Latest Report: 2025-12-31

FMS BANK is asn small FDIC-insured commercial bank headquartered in FORT MORGAN, CO, established in April 12, 1982, midnight. As of 2025-12-31, the bank reported total assets of $339M and total deposits of $305M. Profitability stands at 0.23% ROA and 2.44% ROE, with a net interest margin of 5.67%. The bank's CET1 capital ratio is 11.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.94% and a Texas Ratio of 6.97%. FDIC Certificate #23764.

Assets

$339M

Deposits

$305M

Loans

$260M

Equity

$32M

Profitability

Return on Assets (ROA) 0.23%
Return on Equity (ROE) 2.44%
Net Interest Margin (NIM) 5.67%
Yield on Assets 7.79%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 0.94%
Net Charge-Off Ratio 1.04%
Texas Ratio 6.97%
NPA Ratio 0.72%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 11.10%
Tier 1 Capital 11.10%
Total Capital Ratio 12.14%
Leverage Ratio 9.76%
Loan-to-Deposit 85.29%

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