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Fms Bank
Fort Morgan, CO · FDIC Certificate #23764 · Chartered 04/1
Total assets
$324.82M
Total deposits
$291.82M
Total equity
$30.68M
Net loans
$258.91M
Branches (offices)
2
Net income (YTD)
$332.00K
Rank: #2,359 of 4,213 U.S. banks by assets · #33 of 63 in Colorado. Assets changed 2.3% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.20% |
| Return on equity | 2.15% |
| Net interest margin (YTD) | 5.50% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 9.85% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 1.71% |
| Net charge-offs (share of loans) | 1.57% |
| Loans to deposits | 88.7% |
| Real estate loans (share of loans) | 66.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $172.65M | 66.7% | |
| Commercial & industrial | $56.45M | 21.8% | |
| Consumer / individual | $27.47M | 10.6% | |
| Construction & development | $10.60M | 4.1% | |
| Agricultural | $6.23M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $256.89M | $219.91M | $2.27M | $24.31M |
| Jun 2023 | $270.33M | $223.49M | $3.53M | $27.04M |
| Jun 2024 | $286.51M | $255.50M | $2.56M | $29.55M |
| Jun 2025 | $317.41M | $278.18M | $1.66M | $30.89M |
| Jun 2026 | $324.82M | $291.82M | $332.00K | $30.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $291.82M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $291.82M.
Similar-sized banks
Heritage Bank ($324.90M) · The First National Bank In Amboy ($324.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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