🏦Bank Scorer

FMS BANK

FORT MORGAN, CO · Supervised by FDIC

Est. 1982FDIC #23,764RSSD: FDIC-23764
Part ofMORGAN CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.12%

Institution Profile

FDIC BankFind

Address

520 Sherman St, FORT MORGAN, CO

County

Morgan County

Established

April 12, 1982

Total Assets

$348M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$348M

Total Deposits

$315M

Net Loans

$253M

Net Income

$-103K

ROA

-0.12%

ROE

-1.33%

Risk-Based Capital

11.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.96%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$278M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245190.2%1.96%
20233296.88%0.00%
20226891.18%2.94%
202121287.26%3.30%
202021490.65%2.80%
201911480.7%6.14%
201813384.96%3.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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