BlastPoint's Banking Scorecard

FMS Bank

$100M-$1B Specialty: Commercial CO FDIC cert 23764

Fort Morgan, CO

2 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +4.9% year over year ($291.8M on the books).
Delinquency rate 1.74%.
Return on assets 0.20%.
Efficiency ratio 74.59% vs a 64.48% peer average.
Loan-to-deposit ratio 88.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

FMS Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.52% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 39.0% in tier
- Return on Assets 1.13% below tier average
- Efficiency Ratio 10.11% above tier average
- Delinquency Rate 0.82% above tier average

Get updates when FMS Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$324.8M +2.3% YoY -6.6% QoQ	-$61.7M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$258.9M +6.2% YoY +2.4% QoQ	+$568K	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$291.8M +4.9% YoY -7.4% QoQ	-$34.9M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	0.20% -81.0% YoY +264.1% QoQ	-1.13%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Bottom 5.6% in tier
Net Interest Margin ?	5.50% -1.8% YoY +3.0% QoQ	+1.52%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	Top 3.0% in tier
Efficiency Ratio ?	74.59% +9.4% YoY -4.9% QoQ	+10.11%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	1.74% +157.0% YoY +70.6% QoQ	+0.82%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	88.72% +1.2% YoY +10.6% QoQ	+10.77%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	24.73% -20.2% YoY +0.4% QoQ	+2.70%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	1.39% +166.6% YoY +87.1% QoQ	+0.72%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	Bottom 13.4% in tier
Tier 1 Capital Ratio ?	10.79% -6.8% YoY +1.0% QoQ	-5.12%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.26% +8.4% YoY +155.1% QoQ	-0.31%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	24.7% -6.3pp YoY +0.1pp QoQ	+2.6pp	22.1%	23.5%	22.2%	65%
Brokered Deposits	3.1% +0.2pp QoQ	-4.8pp	7.9%	7.4%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	21.8% +0.2pp YoY +1.6pp QoQ	+10.2pp	11.6%	8.4%	12.5%	90%
CRE	40.4% -0.5pp YoY -1.0pp QoQ	+0.9pp	39.5%	42.8%	41.4%	54%
1-4 Family	22.6% +1.0pp YoY +0.2pp QoQ	-10.1pp	32.6%	33.0%	31.3%	36%
Consumer	10.6% -2.3pp YoY -0.9pp QoQ	+6.5pp	4.1%	3.9%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	10.8% -0.8pp YoY +0.1pp QoQ	-8.0pp	18.8%	24.9%	19.7%	6%
Leverage Ratio	9.8% -1.0pp YoY +0.3pp QoQ	-2.3pp	12.2%	12.5%	12.6%	28%
Total Capital Ratio	12.0% -0.6pp YoY +0.1pp QoQ	-7.9pp	19.9%	26.1%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	60 0 YoY +2 (+3.4%) QoQ	+1	58	107	482	63%
Assets per Employee ($)	$5.4M +2.3% YoY -9.7% QoQ	-$2.1M	$7.5M	$7.8M	$8.8M	21%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.2pp YoY +0.3pp QoQ	+0.1pp	0.3%	0.7%	0.4%	78%
Nonaccrual	1.3% +0.9pp YoY +0.5pp QoQ	+0.4pp	0.9%	0.8%	1.0%	79%
Allowance Coverage	0.91x -50.2% YoY -37.6% QoQ	-23.25x	24.15x	12.16x	20.23x	24%
Net Charge-off Rate (YTD)	1.6% +0.9pp YoY -0.6pp QoQ	+1.4pp	0.1%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	2.1% -8.7pp YoY +3.5pp QoQ	-10.0pp	12.2%	9.7%	11.6%	6%
Cost of Funds (YTD)	2.0% +0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.7%	1.7%	71%
Net Income ($, YTD)	$332,000 -79.9% YoY — QoQ	-$2.2M	$2.6M	$5.4M	$40.4M	7%

Get Full Access to FMS Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#259 of 661 • Bottom 39.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.79%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 5.50%

Peer Median: 3.99%

#79 of 2643 Top 3.0% in $100M-$1B

Top Weaknesses (5 metrics)

2497

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.32%

#2497 of 2643 Bottom 5.6% in $100M-$1B

2290

Nonperforming Asset Ratio

credit_quality

Value: 1.39%

Peer Median: 0.67%

#2290 of 2643 Bottom 13.4% in $100M-$1B

2219

Delinquency Rate

credit_quality

Value: 1.74%

Peer Median: 0.92%

#2219 of 2633 Bottom 15.8% in $100M-$1B

2108

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 15.91%

#2108 of 2643 Bottom 20.3% in $100M-$1B

2086

Efficiency Ratio

profitability

Value: 74.59%

Peer Median: 64.48%

#2086 of 2643 Bottom 21.1% in $100M-$1B