FMS Bank: how it compares with its peers
Against 30 CO banks with half to twice its assets, FMS Bank's strongest measure in Q2 2026 is net interest margin (5.50% vs. a 4.11% peer median). Its weakest relative measure is return on assets (0.20% vs. 1.15%).
| Measure | FMS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.20% | 1.15% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.50% | 4.11% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.59% | 67.55% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $7.8M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.72% | 84.24% | Context |
What it means for lending operations
Its efficiency ratio of 74.59% is above the 67.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Colorado Bank and Trust Company of La Junta La Junta, CO · $330M
- Wray State Bank Wray, CO · $312M
- Alamosa State Bank Alamosa, CO · $340M
- Redstone Bank Centennial, CO · $298M
- Farmers Bank Ault, CO · $297M
- Native American Bank, National Association Denver, CO · $362M
Questions about FMS Bank
How big is FMS Bank?
FMS Bank, established in 1982, is headquartered in Fort Morgan, CO. It reported $325M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is FMS Bank's return on assets?
0.20% annualized in Q2 2026, against a 1.15% median for 30 CO banks with half to twice its assets, ahead of 3% of them.
What is FMS Bank's efficiency ratio?
74.59% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 67.55%, and lower is better.
Is FMS Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.