SBA lender profile
FMS Bank
FMS Bank appears in the public SBA loan data with 78 funded 7(a) loans since FY2010, totaling $59.5M, an average of $763K per loan, and an estimated 1,192 jobs supported. Its SBA lending concentrates in Colorado and the Construction sector. Across its 7(a) loans, the charge-off rate is 3.9%. 57.7% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 67
- Scale 52
- Activity 73
- Consistency 79
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is FMS Bank the right lender for you?
Lenders fund what they know. FMS Bank's SBA lending concentrates in Colorado (73 loans) and Construction (12 loans), at an average loan of $763K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $348M
- Headquarters
- Fort Morgan, CO
- FDIC cert
- #23764
- Status
- Active
Where FMS Bank lends
Top states by funded SBA volume.
Metro areas where FMS Bank funds
What FMS Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 12 | $10.9M |
| Accommodation and Food Services | 10 | $8.9M |
| Mining and Extraction | 6 | $8.8M |
| Other Services | 8 | $7.5M |
| Manufacturing | 10 | $6.7M |
| Retail Trade | 9 | $5.6M |
FMS Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 4 | $2.7M |
| 2011 | 1 | $270K |
| 2013 | 4 | $971K |
| 2014 | 3 | $6.4M |
| 2015 | 5 | $4.9M |
| 2016 | 3 | $740K |
| 2017 | 5 | $1.9M |
| 2018 | 3 | $651K |
| 2019 | 2 | $1.9M |
| 2020 | 3 | $1.3M |
| 2021 | 6 | $5.2M |
| 2022 | 9 | $6.0M |
| 2023 | 3 | $5.7M |
| 2024 | 9 | $8.3M |
| 2025 | 14 | $11.0M |
| 2026 | 4 | $1.5M |
Related SBA lenders
Other lenders active in Colorado or in Construction.
Comparing lenders? See how to choose an SBA lender by track record.
FMS Bank: frequently asked questions
Does FMS Bank offer SBA loans?
Yes. FMS Bank appears in the public SBA data with 78 funded SBA 7(a) loans totaling $59.5M.
How many SBA loans has FMS Bank made?
FMS Bank is associated with 78 SBA 7(a) loans totaling $59.5M in the public SBA data (as of 2026-03-31).
What is FMS Bank's SBA charge-off rate?
About 3.9% of FMS Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does FMS Bank do most of its SBA lending?
FMS Bank's SBA lending in the data is most concentrated in Colorado, and by industry in Construction.
Is FMS Bank an SBA Preferred Lender (PLP)?
The loan record shows FMS Bank operating under PLP delegated authority: 45 of its 7(a) loans (57.7%) were processed through the Preferred Lenders Program, including 20 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). FMS Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/fms-bank/
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