Side-by-side · Q2 2026 data
FMS Bank vs Golden Belt Bank, FSA
Metric by metric
| Measure | FMS Bank | Golden Belt Bank, FSA |
|---|---|---|
| TellerScore | 48 | 68 (stronger) |
| Capital cushion | 48 | 51 (stronger) |
| Loan quality | 43 | 86 (stronger) |
| Earnings | 28 | 66 (stronger) |
| Funding & liquidity | 65 (stronger) | 62 |
| Problem-loan coverage | 74 | 91 (stronger) |
| Peer percentile | 6th | 37th |
| Total assets | $324.8M | $373.5M |
| Deposits / shares | $291.8M | $285.2M |
| Capital ratio | 9.85% | 10.07% (stronger) |
| Problem loans | 1.71% | 0.41% (stronger) |
| Net charge-offs | 1.57% | -0.00% (stronger) |
| Return on assets | 0.20% | 1.15% (stronger) |
| Loans ÷ deposits | 88.7% (stronger) | 97.4% |
| Uninsured deposits | 21.5% | 16.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Golden Belt Bank, FSA has the higher TellerScore (68 vs 48). On the 7 directional measures above (where higher or lower is clearly better), FMS Bank leads on 1 and Golden Belt Bank, FSA on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fort Morgan, CO