C
FMS Bank
Rating Date
October 2025
Risk Based
Capital Ratio
12.32
Leverage
Ratio
10.44
Return On
Assets
0.91%
Total
Assets
339.06M
Capital
31.96M
Total
Deposits
304.88M
Net
Income
2.19M
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Weiss Ratings FMS Bank
Fort Morgan, CO 		Click to
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Rating C
Asset Quality Index 4.10
Capitalization Index 9.20
Liquidity Index 1.20
Profitability Index 2.90
Stability Index 7.10
Company Info FMS Bank
Fort Morgan, CO 		Click to
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FDIC Number 23764
Phone Number (970) 867-3319
Website www.fmsbank.com
Asset Quality FMS Bank
Fort Morgan, CO 		Click to
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1-Year Asset Growth 9.84%
5-Year Asset Growth 12.74%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.82%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 6.76%
Non-Performing Loans to Loans 0.49%
Balance Sheet FMS Bank
Fort Morgan, CO 		Click to
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Total Assets 339.06M
Total Deposits 304.88M
Capital and Reserves FMS Bank
Fort Morgan, CO 		Click to
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Capital 31.96M
Leverage Ratio 10.44
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 12.32
Liquidity FMS Bank
Fort Morgan, CO 		Click to
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Hot Money Ratio 25.23%
Liquidity Ratio 15.55%
Profitability FMS Bank
Fort Morgan, CO 		Click to
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5-Year Return on Average Assets 1.66%
Net Income 2.19M
Net Interest Spread 5.53%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 68.17%
Return on Assets 0.91%
Return on Equity 9.44%