The First National Bank of Fleming
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Fleming is an FDIC-insured commercial bank headquartered in Fleming, CO, established in 1917 (FDIC certificate 3018), and it is supervised by the OCC. At Q2 2026 it reported total assets of $30.7M, up 6.5% from Q2 2025, the 61st largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3018
- Headquarters
- Fleming, CO
- Established
- 1917
- Total assets, Q2 2026
- $30.7M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 13.29%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 107003829
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Fleming call report
- Holding company
- FLEMING COMMUNITY AGENCY, INC.
- Asset rank in state
- 61st of 63 in Colorado
The First National Bank of Fleming pays more for its money than most banks of its size. Based in Fleming, Colorado, it had $31 million in assets at June 30, 2026, up 6.5% from a year earlier. It pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of the 583 banks with less than $100 million in assets (median 1.53%).
Earnings jumped: net income for the quarter was $42,000, 50% above the same quarter a year earlier. Over the same year, loans grew 7.5% and deposits grew 1.0%.
As of June 30, 2026, The First National Bank of Fleming reported a return on assets of 0.55%, a nonperforming-loan ratio of 1.12% and a Texas ratio of 6.61%. The figures come from its call report filed with the FFIEC.
The First National Bank of Fleming ranks as the 61st largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $30.7M, loans rose 1.0% and deposits fell 6.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 42.9% of total loans, followed by agricultural production loans at 26.3%. The FDIC Summary of Deposits lists a single office for it, in Fleming, CO. Judged on its Q2 2026 call report, The First National Bank of Fleming meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Logan Ave, Fleming, CO 80728
- County
- Logan
- Metro Area
- Sterling, CO
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $25.0M
- Allowance for credit losses
- $260K
- Net charge-offs (YTD)
- $40K
- Average total assets
- $30.7M
- Average total loans
- $25.8M
- Average interest-bearing deposits
- $21.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3018
- Fed RSSD
- 306056
- Website
- www.fnbfleming.com →
- Parent Holding Company
- FLEMING COMMUNITY AGENCY, INC. (RSSD 2561167)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Fleming reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Fleming's total assets ran between $27.8M (Q1 2024) and $30.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$30.7M total assets against $28.8M; $26.6M total liabilities against $25.0M.
$25.4M net loans and leases against $23.5M; $25.0M total deposits against $24.7M.
$3.0M securities against $3.0M; $891K cash and balances due against $753K.
$481K total interest income against $448K; $169K total interest expense against $170K.
$312K net interest income against $278K.
$46K total noninterest income against $39K; $228K total noninterest expense against $223K.
$30K provision for credit losses against $35K.
$42K net income against $28K.
0.55% return on assets against 0.38%; 4.28% net interest margin against 3.93%.
13.29% tier 1 leverage ratio against 13.10%.
Inside the full The First National Bank of Fleming terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The First National Bank of Fleming rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.13% (Q4 2025) to 2.41% (Q3 2025) and its net interest margin ran from 3.93% (Q2 2025) to 4.28% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.29% | 0.55% | 1.12% | 6.61% | 4.28% |
| Q1 2026 | 13.32% | 1.24% | 1.66% | 12.07% | 4.15% |
| Q4 2025 | 13.15% | 0.13% | 1.38% | 10.25% | 4.23% |
| Q3 2025 | 13.72% | 2.41% | 2.80% | 18.30% | 4.24% |
| Q2 2025 | 13.10% | 0.38% | 1.13% | 8.82% | 3.93% |
| Q1 2025 | 13.40% | 1.13% | 1.20% | 9.03% | 4.04% |
| Q4 2024 | 13.04% | 0.34% | 1.18% | 9.26% | 4.09% |
| Q3 2024 | 13.03% | 1.58% | 3.87% | 21.68% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Fleming | Fleming , CO | 80728 | $25.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- November 22, 2019, OCC: Formal Agreement: The First National Bank of Fleming
- November 19, 2010, OCC: Formal Agreement: The First National Bank of Fleming
- June 25, 2001, OCC: Formal Agreement: The First National Bank of Fleming
- Period: Most recent institution action November 22, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CO, rank 117 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Fleming
What are The First National Bank of Fleming's total assets?
As of the Q2 2026 filing, The First National Bank of Fleming reported total assets of $30.7 million in its FFIEC call report.
Where is The First National Bank of Fleming headquartered?
It is headquartered in Fleming, CO, United States.
When was The First National Bank of Fleming founded?
It was established in 1917, per the FDIC institution directory.
Is The First National Bank of Fleming FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Fleming?
The First National Bank of Fleming's primary federal regulator is the OCC.
How many branches does The First National Bank of Fleming operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Fleming's Texas Ratio?
Its Texas Ratio is 6.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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