FMS Bank
Fort Morgan, CO
IDRSSD: 257756
Total Assets
$339.44M
Latest filing
Total Deposits
$305.30M
Latest filing
Net Interest Margin
5.58%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
107003942FORT MORGAN, CO
Key People
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Locations
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Main Office
FMS Bank
520 Sherman St
Fort Morgan, CO 80701
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/12/1982FDIC Certificate 16615
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FMS Bank (Main) | 520 Sherman St | Fort Morgan, CO |
| GREELEY BRANCH | 2425 35th Ave | Greeley, CO |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/12/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 80701 |
| State and County Number | 08087 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Fort Morgan, CO |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/23/2023 |
| Date of Deposit Insurance | 04/12/1982 |
| Primary Insurance Agency | DIF |
| Website | www.fmsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 23764 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $339.44M |
| Total Deposits | $305.30M |
| Total Liabilities | $307.41M |
| Total Equity Capital | $32.03M |
| Net Income | $195.00k |
| Net Loans and Leases | $257.23M |
| Assets Per Employee ($Millions) | $5.47M |
| Bank Premises and Fixed Assets | $3.09M |
| Cash and Balances due from Depository Institutions | $6.32M |
| Deposits Held in Domestic Offices | $305.30M |
Key Performance Ratios
| Return on Assets (ROA) | 0.23% |
| Return on Equity (ROE) | 2.44% |
| Net Interest Margin | 5.58% |
| Efficiency Ratio | 73.92% |
| Tier 1 Risk-Based Capital Ratio | 11.103% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.436% |
| Earning Assets to total Assets | 93.8% |
Income and Expense
| Total Interest Income | $6.08M |
| Total Noninterest Income | $451.00k |
| Total Interest Expense | $1.65M |
| Total Noninterest Expense | $3.60M |
| Net Interest Income | $4.43M |
| Pre-tax Net Operating Income | $195.00k |
| Provision for Credit Losses | $1.08M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.13M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.11M |
| Total Liabilities and Capital | $339.44M |
Securities
| Securities | $45.00M |
| Available-for-sale debt securities | $45.00M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FMS Bank?
$339.44M as of the latest filing.
How much are FMS Bank's total deposits?
$305.30M in total deposits.
Where is FMS Bank located?
Fort Morgan, CO.
What is the Net Interest Margin?
5.58%.
How many domestic offices does it operate?
2.
When was it established?
04/12/1982.
What is the Return on Assets (ROA)?
0.23%.
How much are total loans and leases?
$257.23M (latest filing).
What is the total interest income (latest filing)?
$6.08M.