FMS Bank
Total assets
$324.8M
▲ +2.3% YoY
Deposits
$291.8M
▲ +4.9% YoY
Loans
$258.9M
▲ +6.2% YoY
Offices
2
MORGAN CAPITAL CORP
ROA (annualized)
0.20%
peers 1.24%
ROE (annualized)
2.15%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | FMS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 0.20% | 1.24% | -1.0 pts |
| ROE | 2.1% | 11.9% | -9.7 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1982
- Charter
- State
- Primary regulator
- FED
- Holding company
- MORGAN CAPITAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 520 Sherman St, Fort Morgan, CO, 80701
- County
- Morgan
- Metro area
- Fort Morgan, CO
- Offices
- 2
- FDIC cert #
- 23764
- RSSD ID
- 257756
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324.8M | $291.8M | $258.9M | $30.7M | $332K | 0.20% | 5.50% | 1.39% |
| Q1 2026 | $347.9M | $315.2M | $252.8M | $30.8M | $-103K | -0.12% | 5.34% | 0.74% |
| Q4 2025 | $338.6M | $305.3M | $256.4M | $31.2M | $1.5M | 0.46% | 5.64% | 0.91% |
| Q3 2025 | $339.1M | $304.9M | $252.9M | $32.0M | $2.2M | 0.90% | 5.65% | 0.75% |
| Q2 2025 | $317.4M | $278.2M | $243.8M | $30.9M | $1.7M | 1.04% | 5.61% | 0.52% |
| Q1 2025 | $318.4M | $285.8M | $228.8M | $30.9M | $730K | 0.91% | 5.51% | 0.48% |
| Q4 2024 | $322.8M | $290.7M | $230.5M | $30.1M | $5.0M | 1.64% | 5.55% | 1.13% |
| Q3 2024 | $308.7M | $275.8M | $222.7M | $31.2M | $4.0M | 1.80% | 5.55% | 1.14% |
Loan mix (Q2 2026): real estate $172.7M · commercial $56.4M · consumer $27.5M · securities $40.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | FMS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.50% | 3.96% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 62.9% | 77th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | FMS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | FMS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | FMS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | FMS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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