PackageTrendsPeer
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 $1.0MQ3 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