BlastPoint's Banking Scorecard
FMS Bank
Micro
Specialty: Commercial
CO
FDIC cert 23764
Designations: ✓ Community bank
Fort Morgan, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
FMS Bank shows strong momentum with 1 strength and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.79% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$339.4M
+5.2% YoY
+0.1% QoQ
|
+$121.9M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$257.2M
+11.6% YoY
+1.7% QoQ
|
+$118.0M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$305.3M
+5.0% YoY
+0.1% QoQ
|
+$121.6M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.73%
-55.6% YoY
-19.1% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
5.64%
+1.6% YoY
-0.1% QoQ
|
+1.79% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
69.66%
+0.7% YoY
+2.2% QoQ
|
+1.93% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
1.20%
-24.1% YoY
+19.4% QoQ
|
+0.56% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
84.25%
+6.3% YoY
+1.6% QoQ
|
+9.73% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
25.41%
-19.3% YoY
-12.0% QoQ
|
+3.02% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.91%
-19.5% YoY
+21.3% QoQ
|
+0.46% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.10%
-5.9% YoY
-1.2% QoQ
|
+2.25% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.46%
-18.0% YoY
+39.9% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.64%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.64% · Tier avg: 3.85%
86
86th pctile
Total Loans
Current: $257.2M · Tier avg: $139.2M
82
82th pctile
Total Deposits
Current: $305.3M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $339.4M · Tier avg: $217.5M
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.41% · Tier avg: 22.39%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.10% · Tier avg: 8.85%
41
41th pctile
Efficiency Ratio
Current: 69.66% · Tier avg: 67.73%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.25% · Tier avg: 74.53%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
24
24th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
Top Weaknesses
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.64%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.25% · Tier avg: 74.53%
41
41th pctile
Efficiency Ratio
Current: 69.66% · Tier avg: 67.73%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.10% · Tier avg: 8.85%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.41% · Tier avg: 22.39%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
79
79th pctile
Total Assets
Current: $339.4M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $305.3M · Tier avg: $183.7M
86
86th pctile
Total Loans
Current: $257.2M · Tier avg: $139.2M
96
96th pctile
Net Interest Margin
Current: 5.64% · Tier avg: 3.85%