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Letter portraitLegal landscapeQuarterYTD

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 $1.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $19.9M20%Noninterest $5.0MQ2 2025Q2 2026

NIM

6.01%Q2 ’246.12%Q2 ’256.27%Q2 ’26-1%+7%

Non-interest income vs. expense

2.69%Q2 ’243.04%Q2 ’252.97%Q2 ’26+9%-6%

Executive Summary

  • Earnings: ROA of 0.55%, up 16 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.12% of loans (-1 bps YoY), with net charge-offs at 0.62%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.55%+16 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+27 bps YoY

Efficiency Ratio (quarter, annualized)

63.69%-666 bps YoY

Tier 1 Leverage Ratio

13.29%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%2.40%0.13%1.23%0.55%+16 bps
Return on Equity2.93%17.94%1.01%9.42%4.14%+121 bps
Net Interest Margin3.80%3.98%3.92%3.91%4.07%+27 bps
Efficiency Ratio70.35%65.24%93.16%77.39%63.69%-666 bps
Non-Interest Burden2.51%2.42%3.64%2.97%2.37%-14 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 / Loans1.13%2.80%1.38%1.66%1.12%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.15%0.00%0.62%+62 bps
Allowance / Loans1.40%1.23%1.27%1.06%1.02%-39 bps
Allowance Coverage of NPLs1.2x0.4x0.9x0.6x0.9x-0.3x
Capital
Tier 1 Leverage Ratio13.10%13.72%13.15%13.32%13.29%+19 bps
Total Risk-Based Capital13.10%13.72%13.15%13.32%13.29%+19 bps
Equity / Assets13.32%13.49%13.11%13.10%13.29%-2 bps
Liquidity & Funding
Loans / Deposits96.43%97.30%94.14%95.21%102.64%+621 bps
Liquid Assets / Assets11.30%9.92%10.11%9.54%10.55%-75 bps
CRE / Total Capitaln/a93.02%96.50%100.40%n/an/a