Shelly Bristol Named 2025 Citizen of the Year

FMS Bank celebrates Shelly Bristol for winning 2025 Citizen of the Year, recognized by the Fort Morgan Area Chamber of Commerce.

Shelly Bristol Named 2025 Citizen of the Year

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At FMS Bank, we’ve always believed that community banking is about more than transactions. It’s about relationships. It’s about showing up for the people and places we call home. And nobody embodies that belief more than Fort Morgan Branch President Shelly Bristol. We are beyond proud to share that Shelly has been named the 2025 […]

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The Community Banking Difference

A smiling man in a dark polo stands in a bank lobby with a stone wall. Behind him, tellers assist customers at the counter, creating a welcoming atmosphere.

When I joined the team at FMS Bank, I didn’t have a banking background. Most of my banking experience was using my iPhone to deposit the Christmas check my grandma sent each year. My mom tried to teach me how to balance a checkbook in high school, but that didn’t stick. I avoided going into […]

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Cybercrime: How Small Business Can Stay Protected

A laptop screen displays a stock market graph with upward and downward trends in glowing lines. Overlay of digital data enhances a tech-driven atmosphere.

Cybercrime doesn’t just target big corporations. In fact, small to midsize businesses are often the most targeted victims, because criminals believe they can move faster, face fewer roadblocks and reach decision-makers more easily. According to recent FBI data, billions of dollars are lost each year to cybercrime, with small to midsize businesses accounting for a […]

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Meet Ryan Schaefer

A smiling man in a checkered suit stands confidently with arms crossed outside a brick building. Greenery and windows create a professional atmosphere.

The strongest communities are those built by people  who stay invested in the place they call home. That mindset is exactly what Ryan Schaefer brings as the newest member of the FMS Bank Board of Directors.   Ryan is the Chief Executive Officer of NAI Affinity and Affinity Partners, LLC, a Northern Colorado–based commercial real […]

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How Banks Actually Evaluate a Business Loan (And How to Prepare)

Overhead view of a business meeting with three people at a table, holding documents. The mood is professional, with focus on paperwork discussion.

Applying for a business loan can feel intimidating. Many business owners wonder what happens after the application is submitted and why lenders ask for what seems like endless information. The reality is this: banks aren’t trying to make borrowing difficult. We’re trying to understand your business clearly so we can make smart, responsible lending decisions—for […]

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