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Welcome to FMS Bank—Banking Made Simple®

What do we mean by “banking made simple?” Just that – banking that makes sense and makes life simple. We work hard to earn your business as well as to maintain your business. Our decisions are made locally and we strive for quick responses.

For homebuilders, their employees and customers, we offer many lending options, including:

  • Construction Loans: for presold and spec homes as well as your model homes.
  • Lot Loans: lot acquisition financing for both builders and individuals.
  • Land Development: for the experienced developer, let’s talk.
  • Long term real estate financing: we will consider owner-occupied buildings as well as leased investment properties.
  • Remodels, Additions, etc.
  • Mortgage loan solutions: while we have all of the secondary market loan products (from 30 year conventional to reverse mortgages), we also are willing to portfolio a loan if it makes prudent sense.

FMS Bank is big enough to provide first-class products and services for all of your banking needs, yet we remember that we are a community bank; been so for over 35 years.

We have money to lend – call us today!



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