FMS Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 1.54% and a Texas ratio of 12.96%, according to its call report filed with the FFIEC.
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
- Offices
- 2 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full FMS Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock FMS Bank, freeFMS Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 0.52% | 1.54% | 14.60% | 5.42% |
| Q1 2026 | 10.69% | -0.12% | 1.01% | 8.47% | 5.16% |
| Q4 2025 | 10.83% | -0.77% | 0.95% | 8.84% | 5.27% |
| Q3 2025 | 11.23% | 0.65% | 0.49% | 7.28% | 5.67% |
| Q2 2025 | 11.58% | 1.17% | 0.45% | 4.87% | 5.60% |
| Q1 2025 | 12.06% | 0.91% | 0.45% | 4.52% | 5.31% |
| Q4 2024 | 11.80% | 1.17% | 0.65% | 11.20% | 5.24% |
| Q3 2024 | 12.19% | 1.96% | 0.54% | 10.45% | 5.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FMS Bank (main office) | Fort Morgan , CO | 80701 | $176.1M |
| Greeley Branch | Greeley , CO | 80634 | $115.7M |
Regulatory record
What the public regulatory sources show for FMS Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CO, rank 55 of 124 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is FMS Bank headquartered?
FMS Bank is headquartered in Fort Morgan, CO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was FMS Bank founded?
FMS Bank was established in 1982, per the FDIC institution directory.
Is FMS Bank FDIC-insured?
Yes. FMS Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is FMS Bank's CET1 capital ratio?
FMS Bank 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?
FMS Bank 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?
FMS Bank's Texas Ratio is 12.96% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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