FIRST NATIONAL BANK OF FLEMING, THE

FLEMING, CO | Micro | Est. Jan. 1, 1917, midnight | FDIC #3018 | RSSD #306056 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF FLEMING, THE is amn micro FDIC-insured commercial bank headquartered in FLEMING, CO, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $30M and total deposits of $26M. Profitability stands at 0.13% ROA and 1.01% ROE, with a net interest margin of 4.27%. The bank's CET1 capital ratio is 13.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.38% and a Texas Ratio of 10.25%. FDIC Certificate #3018. The institution operates 1 domestic branch.

Assets

$30M

Deposits

$26M

Loans

$24M

Equity

$4M

Profitability

Return on Assets (ROA) 0.13%
Return on Equity (ROE) 1.01%
Net Interest Margin (NIM) 4.27%
Yield on Assets 6.76%
Cost of Funds 3.17%

Asset Quality

NPL Ratio 1.38%
Net Charge-Off Ratio 0.04%
Texas Ratio 10.25%
NPA Ratio 1.45%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 13.11%
Tier 1 Capital 13.11%
Total Capital Ratio 13.76%
Leverage Ratio 13.15%
Loan-to-Deposit 94.14%

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