FMS Bank

520 Sherman Street
Fort Morgan, CO 80701

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 23764
Date Established 1982
Assets $0.19 billion
Loans $0.14 billion
Deposits $0.16 billion
Capital $0.02 billion

FMS Bank is an FDIC insured institution located in Fort Morgan, CO. It was founded in 1982 and has approximately $0.19 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of FMS Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $19,999 Learn MoreShow Less
Money Market
0.15% $20,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.10% $1,000 - Learn MoreShow Less
3 Mo CD
0.10% $500 $24,999 Learn MoreShow Less
3 Mo CD
0.20% $50,000 - Learn MoreShow Less
6 Mo CD
0.17% $500 $24,999 Learn MoreShow Less
6 Mo CD
0.27% $50,000 - Learn MoreShow Less
Special: 11 Mo CD
1.53% $500 - Learn MoreShow Less
12 Mo CD
1.01% $500 $24,999 Learn MoreShow Less
12 Mo CD
1.01% $50,000 - Learn MoreShow Less
Special: 14 Mo CD
1.53% $500 - Learn MoreShow Less
18 Mo CD
0.35% $500 $24,999 Learn MoreShow Less
18 Mo CD
0.45% $50,000 - Learn MoreShow Less
24 Mo CD
0.40% $500 $24,999 Learn MoreShow Less
24 Mo CD
0.50% $50,000 - Learn MoreShow Less
30 Mo CD
0.52% $500 $24,999 Learn MoreShow Less
36 Mo CD
0.75% $500 $24,999 Learn MoreShow Less
36 Mo CD
0.75% $50,000 - Learn MoreShow Less
48 Mo CD
0.75% $500 $24,999 Learn MoreShow Less
48 Mo CD
0.85% $50,000 - Learn MoreShow Less
60 Mo CD
1.15% $500 $24,999 Learn MoreShow Less
60 Mo CD
1.25% $50,000 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
0.65% $200 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.06% $1,000 $19,999 Learn MoreShow Less

Loan Rates - October 21, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FMS Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
First Internet Bank
NMLS ID: 424182
3.750% 3.750% -0.13 ($158) $1,158 Learn More
NMLS ID: 2890
License#: 13256
3.523% 3.500% 0.25 $732 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to FMS Bank
To upload and update your bank's rates please register. It is free to register and add rates.


FMS Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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FMS Bank Locations

Financial Details

FMS Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FMS Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
FMS Bank U.S. Bank Average
5.52% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, FMS Bank had $1,215,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,928,000 in equity and $2,090,000 in loans loss reserves. That gives it a Texas Ratio of 5.52%.

Return on Equity
FMS Bank U.S. Bank Average
9.49% 9.50%

FMS Bank has a Return on Equity of 9.49% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

FMS Bank U.S. Bank Average
10.76% 12.76%

FMS Bank has a Capitalization of 10.76% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

FMS Bank Balance Sheet Analysis

As of June 30, 2019, FMS Bank had assets of $185,206,000, loans of $140,952,000, and deposits of $157,244,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.14 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.17 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.11 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 80.71%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in FMS Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Colorado, FMS Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.43
Credit Card Loans 0.00
Consumer Auto Loans 1.04
Small Business Loans 15.45
Construction and Development Loans 10.33
Commercial Real Estate 22.78
Commercial and Industrial Loans 21.02
Farm Loans 1.70

Frequently Asked Questions About Fms Bank

Branches and Savings

Is Fms Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23764.

Why does Fms Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Fms Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Fms Bank a commercial bank?


Where are Fms Bank locations?

See branch locations nearby.

Is Fms Bank open on Saturdays?

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Are Fms Bank ATMs Open 24/7?

Do Fms Bank ATMs accept cash deposits?

Can Fms Bank customers use other ATMs?

Do Fms Bank branches have notaries?

Will Fms Bank notarize my document?

What address for Fms Bank should I put for incoming ACH transfers?

Will the Fms Bank branch print checks?

Do Fms Bank checks expire?

Does Fms Bank require US citizenship to open account?

Can Fms Bank close my account?

Does Fms Bank Report to credit bureaus?

Does Fms Bank Use Equifax?

What is Fms Bank's ACH Routing Number?

What is Fms Bank's SWIFT code?


Does Fms Bank offer mortgages?

Compare mortgage rates here.

Does Fms Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fms Bank offer personal loans?

Compare personal loan rates here.

Does Fms Bank offer student loans?

Will Fms Bank cash a check?

Will Fms Bank redeem a savings bond?

Does Fms Bank cash savings bonds?

Will Fms Bank cash money orders?

Can Fms Bank issue a money order?

Does Fms Bank do currency exchange?

Background on The Bank

Who owns Fms Bank?

How long has Fms Bank been around?

Can Fms Bank transfer to other banks?

Does Fms Bank have quick pay?

Does Fms Bank accept rolled coins?

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Where is Fms Bank headquarters?

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