FMS Bank
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Data as of · sourced from FFIEC call reports. How we update
FMS Bank is an FDIC-insured commercial bank headquartered in Fort Morgan, CO, established in 1982 (FDIC certificate 23764), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $324.8M, up 2.3% from Q2 2025, the 33rd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23764
- Headquarters
- Fort Morgan, CO
- Established
- 1982
- Total assets, Q2 2026
- $324.8M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 10.79%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 107003942
- Holding company
- MORGAN CAPITAL CORPORATION
- Asset rank in state
- 33rd of 63 in Colorado
Problem loans are rising at FMS Bank. The Fort Morgan, Colorado bank had $325 million in assets at June 30, 2026, up 2.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.71% of loans from 0.67% a year earlier. It keeps 5.42 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 10.79% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Earnings fell sharply: quarterly net income of $435,000 was 53% below a year earlier. The commercial and industrial book ($56 million) is worsening: 1.29% of it is past due or on nonaccrual, up from 0.37% a year earlier. Profitability lags: it earns about $0.52 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, FMS Bank reported a CET1 capital ratio of 10.79%, a return on assets of 0.52%, a nonperforming-loan ratio of 1.71% and a Texas ratio of 12.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FMS Bank is the 33rd largest of the 63 banks headquartered in Colorado. Between Q1 2026 and Q2 2026, its total assets fell 6.6% to $324.8M, loans rose 2.5% and deposits fell 7.4%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 25.9% of total loans, ahead of 1-4 family residential loans at 22.2%. The FDIC Summary of Deposits lists 2 offices for it, in Fort Morgan, CO and Greeley, CO; its Fort Morgan office books 60% of its branch deposits. Judged on its Q2 2026 call report, FMS Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 520 Sherman St, Fort Morgan, CO 80701
- County
- Morgan
- Metro Area
- Fort Morgan, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 12, 1982
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $291.8M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $336.1M
- Average total loans
- $263.8M
- Average interest-bearing deposits
- $224.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 12, 1982
- FDIC Cert
- 23764
- Fed RSSD
- 257756
- Website
- www.fmsbank.com →
- Parent Holding Company
- MORGAN CAPITAL CORPORATION (RSSD 1066049)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FMS Bank's total assets ranged from $280.8M (Q3 2023) to $347.9M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$324.8M total assets against $317.4M; $294.1M total liabilities against $286.5M.
$258.9M net loans and leases against $243.8M; $291.8M total deposits against $278.2M.
$40.1M securities against $43.1M; $8.5M cash and balances due against $12.7M.
$5.9M total interest income against $5.6M; $1.6M total interest expense against $1.4M.
$4.4M net interest income against $4.2M.
$481K total noninterest income against $398K; $3.4M total noninterest expense against $3.1M.
$974K provision for credit losses against $588K.
$435K net income against $925K.
0.52% return on assets against 1.17%; 5.42% net interest margin against 5.60%.
10.79% CET1 capital ratio against 11.58%; 9.85% tier 1 leverage ratio against 10.86%.
Inside the full FMS Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFMS Bank rankings
Its closest position to the top of a national ranking is 415 of 3,640, for Texas Ratio; its furthest is 1,999 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.77% (Q4 2025) to 1.96% (Q3 2024) and its net interest margin ran from 5.16% (Q1 2026) to 5.67% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 0.52% | 1.71% | 12.96% | 5.42% |
| Q1 2026 | 10.69% | -0.12% | 1.00% | 7.46% | 5.16% |
| Q4 2025 | 10.83% | -0.77% | 1.19% | 8.79% | 5.27% |
| Q3 2025 | 11.23% | 0.65% | 0.99% | 7.22% | 5.67% |
| Q2 2025 | 11.58% | 1.17% | 0.67% | 4.87% | 5.60% |
| Q1 2025 | 12.06% | 0.91% | 0.66% | 4.52% | 5.31% |
| Q4 2024 | 11.80% | 1.17% | 1.57% | 11.20% | 5.24% |
| Q3 2024 | 12.19% | 1.96% | 1.56% | 10.45% | 5.50% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FMS Bank (main office) | Fort Morgan , CO | 80701 | $176.1M |
| Greeley Branch | Greeley , CO | 80634 | $115.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 55 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 46 loans originated, $19.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $11.0M approved, $784K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FMS Bank
What are FMS Bank's total assets?
As of the Q2 2026 filing, FMS Bank reported total assets of $324.8 million in its FFIEC call report.
Where is FMS Bank headquartered?
It is headquartered in Fort Morgan, CO, United States.
When was FMS Bank founded?
It was established in 1982, per the FDIC institution directory.
Is FMS Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FMS Bank?
FMS Bank's primary federal regulator is the Federal Reserve.
What is FMS Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does FMS Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FMS Bank's Texas Ratio?
Its Texas Ratio is 12.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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