The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 20 points (68 → 48), mostly because the loan quality component weakened by 35 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Colorado

Yes. FMS Bank is an FDIC-insured institution (FDIC certificate #23764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.5% of deposits ($62.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.04% (benchmark: 10%).

Check how much of your own balance is covered

FMS Bank lists 2 offices in 2 cities. Most locations:

• Fort Morgan, CO (1)
• Greeley, CO (1)

All branch addresses and map

In 2025, FMS Bank reported 57 home-loan applications under HMDA (LEI 549300G4VO4E5SNMQB32): 46 originated ($19,590,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

FMS Bank

Former names

Fort Morgan State Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

23764

RSSD ID

257756

Primary regulator

FED

Holding company

Morgan Capital Corp

Established

April 12, 1982

Headquarters

520 Sherman St, Fort Morgan, CO 80701

Website

www.fmsbank.com

Employees

60