FMS Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FMS Bank of Fort Morgan, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.52% | 1.25% | -0.73% | 12th bottom |
| ROAE | 5.66% | 13.17% | -7.51% | 15th bottom |
| Net Interest Margin | 5.42% | 3.95% | +1.47% | 97th top |
| Efficiency Ratio | 70.72% | 61.50% | +9.22% | 25th below |
| PPNR / Avg Assets | 1.68% | — | — | 55th above |
| Yield on Earning Assets | 7.34% | 5.67% | +1.67% | 97th top |
| Cost of Funds | 2.07% | 1.87% | +0.20% | 33rd below |
| Net Interest Spread | 4.62% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.54% | 0.93% | +0.61% | 18th bottom |
| NPA / Total Assets | 1.25% | — | — | 15th bottom |
| NCO / Avg Loans | 0.97% | 0.15% | +0.82% | 3rd bottom |
| ACL / Total Loans | 1.55% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 100.79% | — | — | 28th below |
| Texas Ratio | 14.60% | 7.34% | +7.26% | 13th bottom |
| Provision / NCO | 101.66% | — | — | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.79% | 17.18% | -6.39% | 6th bottom |
| Tier 1 Ratio | 10.79% | 17.21% | -6.42% | 6th bottom |
| Total Capital Ratio | 12.04% | — | — | 7th bottom |
| Leverage Ratio | 9.85% | 11.75% | -1.90% | 27th below |
| Equity / Assets | 9.45% | 10.98% | -1.53% | 34th below |
| TCE / Tangible Assets | 9.45% | — | — | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.12% | 80.44% | +9.68% | 28th below |
| Core Deposit Ratio | 81.36% | 86.95% | -5.59% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.33% | — | — | 34th below |
| Loan Growth (Y/Y) | 6.54% | — | — | 56th above |
| Deposit Growth (Y/Y) | 4.90% | — | — | 56th above |
See FMS Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FMS Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FMS Bank profile, how to read a UBPR, or how this data updates.