Side-by-side · Q2 2026 data
Bank of Colorado vs FMS Bank
Metric by metric
| Measure | Bank of Colorado | FMS Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 48 |
| Capital cushion | 55 (stronger) | 48 |
| Loan quality | 97 (stronger) | 43 |
| Earnings | 74 (stronger) | 28 |
| Funding & liquidity | 55 | 65 (stronger) |
| Problem-loan coverage | 99 (stronger) | 74 |
| Peer percentile | 74th | 6th |
| Total assets | $7.6B | $324.8M |
| Deposits / shares | $6.6B | $291.8M |
| Capital ratio | 10.53% (stronger) | 9.85% |
| Problem loans | 0.10% (stronger) | 1.71% |
| Net charge-offs | 0.01% (stronger) | 1.57% |
| Return on assets | 1.35% (stronger) | 0.20% |
| Loans ÷ deposits | 80.2% (stronger) | 88.7% |
| Uninsured deposits | 37.7% | 21.5% (stronger) |
| Offices | 55 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 5.6% |
Bank of Colorado has the higher TellerScore (74 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Bank of Colorado leads on 6 and FMS Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Greeley, CO
- Fort Morgan, CO