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First National Bank of Fleming, The

Fleming, CO · Cert 3018 · Fleming Community Agency Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Fleming, The

Fleming, CO · Cert 3018 · Fleming Community Agency Inc.

National charter · OCC · 1 branch

Q2 2026

$30.7MAssets
$25.6MLoans
$25.0MDeposits
$4.1MEquity
Loan mix
85%RE $15.4M9%C&I $1.7M5%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $19.9M20%Noninterest $5.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.89%, up 14 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 1.12% of loans (-1 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 13.29%, up 19 bps from a year ago.
  • Funding: loans stand at 102.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+24 bps YoY

Efficiency Ratio (YTD, annualized)

70.09%-632 bps YoY

Tier 1 Leverage Ratio

13.29%+19 bps YoY

NIM

5.86%Q2 ’245.99%Q2 ’256.14%Q2 ’26-2%+6%

Non-interest income vs. expense

2.78%Q2 ’243.14%Q2 ’253.07%Q2 ’26+11%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.06%1.12%0.75%1.31%1.01%1.23%0.89%+14 bps
Return on Equity10.24%8.30%8.49%5.70%9.84%7.60%9.42%6.77%+107 bps
Net Interest Margin3.81%3.84%3.76%3.72%3.81%3.77%3.91%3.96%+24 bps
Efficiency Ratio65.52%71.13%83.16%76.41%72.47%77.61%77.39%70.09%-632 bps
Non-Interest Burden2.37%2.64%3.08%2.75%2.64%2.85%2.97%2.65%-10 bps
Growth
Asset Growth (YoY)2.10%0.40%2.96%-1.73%3.12%5.19%7.51%6.51%+823 bps
Loan Growth (YoY)14.55%11.95%5.55%6.49%7.28%5.02%11.42%7.49%+100 bps
Deposit Growth (YoY)1.29%-4.68%3.09%-2.67%2.21%10.10%7.79%0.99%+365 bps
Asset Quality
Nonperforming Loans / Loans3.87%1.18%1.20%1.13%2.80%1.38%1.66%1.12%-1 bps
Net Charge-Offs / Loans0.13%0.30%0.00%0.00%0.00%0.04%0.00%0.31%+31 bps
Allowance / Loans1.37%1.29%1.31%1.40%1.23%1.27%1.06%1.02%-39 bps
Allowance Coverage of NPLs0.4x1.1x1.1x1.2x0.4x0.9x0.6x0.9x-0.3x
Capital
Tier 1 Leverage Ratio13.03%13.04%13.40%13.10%13.72%13.15%13.32%13.29%+19 bps
Total Risk-Based Capital13.03%13.04%13.40%13.10%13.72%13.15%13.32%13.29%+19 bps
Equity / Assets13.12%13.04%13.28%13.32%13.49%13.11%13.10%13.29%-2 bps
Liquidity & Funding
Loans / Deposits92.70%98.69%92.11%96.43%97.30%94.14%95.21%102.64%+621 bps
Liquid Assets / Assets12.69%12.44%12.06%11.30%9.92%10.11%9.54%10.55%-75 bps
CRE / Total Capitaln/an/an/an/a93.02%96.50%100.40%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Fleming, The

Fleming, CO · Cert 3018 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fleming Community Agency Inc.

National charter · OCC · 1 branch

Q2 2026

$30.7MAssets
$25.6MLoans
$25.0MDeposits
$4.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks under $1B in assets operating in a single state (rank 169 of 746).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets operating in a single state (rank 668 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.89%

Rank 469 of 746

Net Interest Margin

3.96%

Rank 260 of 746

Efficiency Ratio

70.09%

Rank 467 of 746

Equity / Assets

13.29%

Rank 169 of 746

Non-interest income vs. expense

$128K$942KINCOMEEXPENSE
Unfavorable gap of $814K · efficiency ratio beats 38% of banks under $1B in assets operating in a single state
Bank 70.09%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.72%1.06%1.45%Beats 37%469 / 746
Return on Equity6.67%6.74%10.51%13.63%Beats 25%563 / 746
Net Interest Margin3.96%3.17%3.68%4.16%Beats 65%260 / 746
Efficiency Ratio70.09%55.74%64.58%75.47%Beats 38%467 / 746
Asset Quality
Nonperforming Loans / Loans1.12%0.09%0.42%1.07%Beats 24%569 / 743
Net Charge-Offs / Loans0.16%0.00%0.01%0.05%Beats 10%668 / 743
Capital
Tier 1 Capital Ratio13.29%11.55%13.75%17.60%Beats 45%411 / 746
Total Risk-Based Capital Ratio13.29%11.71%14.33%18.43%Beats 41%443 / 746
Equity / Assets13.29%8.90%10.51%13.06%Beats 77%169 / 746
Liquidity & Funding
Loans / Deposits102.64%61.31%78.27%90.78%93rd pctl55 / 746
Loans / Assets83.48%53.60%66.97%76.08%92nd pctl57 / 746
Brokered Deposits / Depositsn/aNot reported for this institution