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520 Sherman Street
Fort Morgan, CO 80701

FMS Bank is headquartered in Fort Morgan and is the 53rd largest bank in the state of Colorado. It is also the 3,735th largest bank in the nation. It was established in 1982 and as of December of 2013, it had grown to 42 employees at 2 locations. FMS Bank's savings rates are 35% higher than the national average, and it has a C+ health rating.

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Reviews (1)

Windwill Checking Interest Rate Decreased To 3.01%

Just called today to see if I qualified for the account; I was told that I do (I live in Denver) but was informed that the checking account interest rate has been decreased to 3.01%.  Still a pretty good deal.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 FMS Bank had $3.71 million in non-current loans and owned real-estate with $14.05 million in equity and loan loss allowances on hand to cover it. This gives FMS Bank a Texas Ratio of 26.42% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for FMS Bank increased slightly from 21.16% as of December 31, 2012 to 26.42% as of December 31, 2013, resulting in a negative change of 24.87%. This indicates that the balance sheet and financial strength for FMS Bank has declined slightly in recent periods.

Deposit Growth


In the past year, FMS Bank has increased its total deposits by $13.08 million, resulting in 12.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth FMS Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. FMS Bank has $148.26 million in assets with $14.05 million in equity, resulting in a capitalization level of 9.48%, which is average.

Institution Statistics

FDIC Certificate #23764
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$148.26 million
Loans$89.18 million
Deposits$118.02 million
Equity Capital$12.48 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$3.71 million
Real Estate Owned$0
Historic Data - December 2012
Assets$133.24 million
Equity Capital$13.01 million
Loan Loss Allowance$1.59 million
Unbacked Noncurrent Loans$3.71 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.05%
Return on Assets0.86%
Return on Equity9.75%
Interest Income$6.09 million

Always verify rates and promotions with the bank or credit union. We are not FMS Bank, we are a rate comparison website and can not provide official rates or promotions.

FMS Bank Savings Account Rates

0.70%$20k-Health Savings Account
0.21%$20k-Regular Savings
0.21%$20k-Minor Savings

FMS Bank Money Market Rates

0.20%$50k-Money Market
0.10%--MCC Foundation Money Market

FMS Bank Checking Account Rates

0.75%-$25kWindmill Smart Checking
0.16%$50k-NOW Account
0.05%--Windmill Smart Checking

FMS Bank CD Rates

1.25%$50k-60 Month CD
0.85%$50k-48 Month CD
0.77%$50k-36 Month CD
0.62%$50k-30 Month CD
0.54%$50k-24 Month CD
0.46%$50k-18 Month CD
0.37%$50k-1 Year CD
0.32%$5k-FMS 5 Month Flexible CD
0.27%$50k-180 Day CD
0.20%$50k-90 Day CD

FMS Bank IRA Rates

0.65%--18 Month Variable Rate IRA

FMS Bank Locations
Greeley Branch2425 35th AvenueGreeley, CO 80634
Fms Bank520 Sherman StreetFort Morgan, CO 80701