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
Unfavorable gap of $814K · efficiency ratio beats 38% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.72% | 1.06% | 1.45% | Beats 37% | 469 / 746 | |
| Return on Equity | 6.67% | 6.74% | 10.51% | 13.63% | Beats 25% | 563 / 746 | |
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 65% | 260 / 746 | |
| Efficiency Ratio | 70.09% | 55.74% | 64.58% | 75.47% | Beats 38% | 467 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.42% | 1.07% | Beats 24% | 569 / 743 | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.05% | Beats 10% | 668 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.29% | 11.55% | 13.75% | 17.60% | Beats 45% | 411 / 746 | |
| Total Risk-Based Capital Ratio | 13.29% | 11.71% | 14.33% | 18.43% | Beats 41% | 443 / 746 | |
| Equity / Assets | 13.29% | 8.90% | 10.51% | 13.06% | Beats 77% | 169 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 102.64% | 61.31% | 78.27% | 90.78% | 93rd pctl | 55 / 746 | |
| Loans / Assets | 83.48% | 53.60% | 66.97% | 76.08% | 92nd pctl | 57 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |