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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 3,733rd largest bank in the nation. It was established in 1982 and as of March of 2014, 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 B 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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 FMS Bank had $4.19 million in non-current loans and owned real-estate with $15.41 million in equity and loan loss allowances on hand to cover it. This gives FMS Bank a Texas Ratio of 27.19% 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 experienced no significant changes from 24.25% as of March 31, 2013 to 27.19% as of March 31, 2014, resulting in a negative change of 12.13%. This indicates that the balance sheet and financial strength for FMS Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, FMS Bank has increased its total deposits by $2.06 million, resulting in 1.8% 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 above average.



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 $149.01 million in assets with $15.41 million in equity, resulting in a capitalization level of 10.34%, which is above average.

Institution Statistics

FDIC Certificate #23764
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$149.01 million
Loans$93.57 million
Deposits$116.81 million
Equity Capital$13.68 million
Loan Loss Allowance$1.73 million
Unbacked Noncurrent Loans$4.19 million
Real Estate Owned$0
Historic Data - March 2013
Assets$144.39 million
Equity Capital$13.13 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$4.19 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.38%
Return on Assets0.89%
Return on Equity10.15%
Interest Income$1.66 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 - Qualifying
0.16%$50k-NOW Account
0.05%--Windmill Smart Checking - Non Qualifying

FMS Bank CD Rates

1.25%$50k-60 Month CD
0.85%$50k-48 Month CD
0.77%$50k-36 Month CD
0.71%$5k-FMS 5 Month Flexible CD
0.62%$50k-30 Month CD
0.54%$50k-24 Month CD
0.50%$50k-1 Year CD
0.46%$50k-18 Month 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