Fleming, CO · Cert 3018 · Fleming Community Agency Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 1.31% | 1.01% | 1.23% | 0.89% | +14 bps | |
| Return on Equity | 5.70% | 9.84% | 7.60% | 9.42% | 6.77% | +107 bps | |
| Net Interest Margin | 3.72% | 3.81% | 3.77% | 3.91% | 3.96% | +24 bps | |
| Efficiency Ratio | 76.41% | 72.47% | 77.61% | 77.39% | 70.09% | -632 bps | |
| Non-Interest Burden | 2.75% | 2.64% | 2.85% | 2.97% | 2.65% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.73% | 3.12% | 5.19% | 7.51% | 6.51% | +823 bps | |
| Loan Growth (YoY) | 6.49% | 7.28% | 5.02% | 11.42% | 7.49% | +100 bps | |
| Deposit Growth (YoY) | -2.67% | 2.21% | 10.10% | 7.79% | 0.99% | +365 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.13% | 2.80% | 1.38% | 1.66% | 1.12% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.00% | 0.31% | +31 bps | |
| Allowance / Loans | 1.40% | 1.23% | 1.27% | 1.06% | 1.02% | -39 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.4x | 0.9x | 0.6x | 0.9x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.10% | 13.72% | 13.15% | 13.32% | 13.29% | +19 bps | |
| Total Risk-Based Capital | 13.10% | 13.72% | 13.15% | 13.32% | 13.29% | +19 bps | |
| Equity / Assets | 13.32% | 13.49% | 13.11% | 13.10% | 13.29% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.43% | 97.30% | 94.14% | 95.21% | 102.64% | +621 bps | |
| Liquid Assets / Assets | 11.30% | 9.92% | 10.11% | 9.54% | 10.55% | -75 bps | |
| CRE / Total Capital | n/a | 93.02% | 96.50% | 100.40% | n/a | n/a | |