BlastPoint's Banking Scorecard

FMS Bank

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

Fort Morgan, CO

2 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

FMS Bank has 1 strength but faces 3 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 1.41% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.39% below tier average
- Efficiency Ratio 13.13% above tier average
- Delinquency Rate 0.13% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$347.9M +9.3% YoY +2.7% QoQ	-$38.2M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$252.8M +10.5% YoY -1.4% QoQ	-$2.9M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$315.2M +10.3% YoY +3.2% QoQ	-$12.8M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	-0.12% -113.2% YoY -125.9% QoQ	-1.39%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Bottom 3.0% in tier
Net Interest Margin ?	5.34% -3.0% YoY -5.3% QoQ	+1.41%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	Top 4.0% in tier
Efficiency Ratio ?	78.42% +13.4% YoY +12.6% QoQ	+13.13%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	1.02% +53.0% YoY -15.5% QoQ	+0.13%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	80.21% +0.2% YoY -4.5% QoQ	+3.57%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	24.63% -16.9% YoY -3.1% QoQ	+2.61%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.74% +54.7% YoY -18.9% QoQ	+0.10%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	10.69% -11.4% YoY -1.3% QoQ	-5.15%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.10% -8.7% YoY -78.5% QoQ	-0.18%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	52%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

107

Net Interest Margin

profitability

Value: 5.34%

Peer Median: 3.93%

#107 of 2664 Top 4.0% in $100M-$1B

Top Weaknesses (3 metrics)

2585

Return on Assets

profitability

Value: -0.12%

Peer Median: 1.27%

#2585 of 2664 Bottom 3.0% in $100M-$1B

2205

Efficiency Ratio

profitability

Value: 78.42%

Peer Median: 65.29%

#2205 of 2664 Bottom 17.3% in $100M-$1B

2165

Tier 1 Capital Ratio

capital

Value: 10.69%

Peer Median: 15.83%

#2165 of 2664 Bottom 18.8% in $100M-$1B