FMS Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 43.58 percentage points in Q2 2026, from 144.37% to 100.79%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, FMS Bank is 55th of 63 on return on assets, 0.52% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, FMS Bank reported 0.52% on return on assets in Q2 2026, 0.74 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 9.85% |
| Equity capital to assets | 9.45% |
| Tangible equity to tangible assets | 9.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.54% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.97% |
| Texas ratio | 12.96% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | 100.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 5.66% |
| Net interest margin | 5.42% |
| Efficiency ratio | 70.72% |
| Yield on earning assets | 7.34% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.12% |
| Core deposits to total deposits | 81.36% |
| Brokered deposits to total deposits | 3.08% |
| Deposits to assets | 89.84% |
| Securities to assets | 12.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.12% | 12.12% | 12.98% | 11.45% | 2.39% |
| Q4 2023 | 11.72% | 11.72% | 12.65% | 10.91% | 1.10% |
| Q1 2024 | 11.97% | 11.97% | 12.89% | 10.94% | 1.87% |
| Q2 2024 | 12.34% | 12.34% | 13.25% | 11.18% | 1.58% |
| Q3 2024 | 12.19% | 12.19% | 13.09% | 11.30% | 1.96% |
| Q4 2024 | 11.80% | 11.80% | 12.69% | 10.50% | 1.17% |
| Q1 2025 | 12.06% | 12.06% | 13.07% | 10.64% | 0.91% |
| Q2 2025 | 11.58% | 11.58% | 12.60% | 10.86% | 1.17% |
| Q3 2025 | 11.23% | 11.23% | 12.32% | 10.44% | 0.65% |
| Q4 2025 | 10.83% | 10.83% | 12.08% | 9.51% | -0.77% |
| Q1 2026 | 10.69% | 10.69% | 11.90% | 9.60% | -0.12% |
| Q2 2026 | 10.79% | 10.79% | 12.04% | 9.85% | 0.52% |
FMS Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FMS Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FMS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23764) · FFIEC NIC profile (RSSD 257756)