Cash Flow is King
Author: Austin Elsey, Chief Credit Officer We’ve all heard the mantra that cash is king. But when it comes to loans, if you had the cash, you wouldn’t need a loan. So, what does a bank consider “king” when making a decision on whether they should extend a loan or not? They usually rely on […]
“…if it ain’t got that swing!”
One of the most common business loan requests we get as bankers is a line of credit request. While the loan structure itself isn’t that complicated, determining exactly how much is needed can be a little more complicated. Because loan terms can be slightly different across the industry, we will consider a line of credit […]
Protecting Your Devices: Simple Steps for Everyday Technology Security
Author: Mike Justice, FMS Bank Chief Technology Officer As technology becomes more and more integrated into our daily lives, it’s important to take steps to ensure the security of our devices. From smartphones to laptops, it’s crucial to keep our personal and sensitive information safe. Here are some simple and practical tips to help you […]
This Is Worth Saving
We all know we should save money. Some of us even have something we’re saving for. But if the statistics are right, most of us aren’t doing a very good job at it. The thing is, it’s not even hard once you have a plan. And we’ve got a few simple tips to help you […]
One drawing. Two winners.
At a recent conference of, what else, independent bankers, our CEO, James Smith, won a brand new four-wheel ATV. The moment has even been preserved for history here. So, what did James do? He donated it to the Poudre Valley Learning Center. Now, you’ve got to ask yourself, “Why would James give away a sweet […]
Say “Hello” to HELOC.
A HELOC is a Home Equity Line Of Credit. Basically, that means it’s a line of credit secured by the equity you have in your home. With home prices going up, you may have more equity than you realize. Wanna Make Something Of It? You can use a HELOC in a variety of ways, from […]
Turns out you can put a price on love.
According to the FBI, victims of romance scams lost over $600 million last year. So how can you tell the difference between dating and defrauding, and what can you do to protect yourself? We’re here to help. As friends, of course. Speed Dating vs. Too Speedy Dating Relationships take time to progress. They don’t go […]
A Letter From Our CEO
To Our FMS Bank Community, What a year. Whoever thought we’d encourage people to wear masks in the bank? Or face so many unexpected challenges, both as an organization and in our communities? It was, however, a year of unexpected opportunities as well, and FMS Bank made the most of them. We set an internal […]
Give Some Thought To Holiday Spending.
The most wonderful time of the year can also be the most expensive. Here are some easy tips so you don’t end up in a hole after the holidays. The best way to avoid spending more than you planned is to actually have a plan. Set a total budget. Then make a gift list and check it twice. (Santa […]
We Can’t Stress This Enough.
Your finances can cause stress. Everyone pretty much knows that, right? Well, now we know that stress can actually affect your financial health. You heard that right. Stress can cause everything from binge spending to running up late charges because you’re avoiding your bills. So, what can you do about it? For starters, don’t start stressing out. We’ve put […]