The First National Bank of Fleming: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.42 percentage points higher than in Q1 2026, at 102.64%. On loan-to-deposit ratio, The First National Bank of Fleming ranks 6th highest among the 63 banks headquartered in Colorado, at 102.64% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, The First National Bank of Fleming reported 102.64% on loan-to-deposit ratio in Q2 2026, 35.01 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.6M |
| Net loans and leases | $25.4M |
| Loans held for sale | $0 |
| Loans to total assets | 83.48% |
| Loan-to-deposit ratio | 102.64% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.70% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.18% |
| Consumer | 3.69% |
| Credit cards | 0.00% |
| Farm | 42.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.12% |
| Construction concentration (Tier 1 capital + allowance) | 22.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.09% |
| Interest income on loans | $458K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $20.1M | $24.5M | 10.23% | 5.71% | 2.89% |
| Q4 2023 | $20.8M | $24.7M | 12.03% | 5.70% | 2.93% |
| Q1 2024 | $21.6M | $24.0M | 10.51% | 5.69% | 2.75% |
| Q2 2024 | $22.4M | $25.4M | 8.57% | 4.56% | 2.74% |
| Q3 2024 | $23.0M | $24.8M | 8.23% | 5.41% | 3.05% |
| Q4 2024 | $23.2M | $23.5M | 9.88% | 5.32% | 4.06% |
| Q1 2025 | $22.8M | $24.7M | 10.65% | 5.58% | 3.55% |
| Q2 2025 | $23.8M | $24.7M | 11.14% | 6.68% | 3.62% |
| Q3 2025 | $24.7M | $25.4M | 12.56% | 5.81% | 4.04% |
| Q4 2025 | $24.4M | $25.9M | 12.69% | 6.42% | 4.55% |
| Q1 2026 | $25.4M | $26.6M | 12.23% | 6.77% | 3.93% |
| Q2 2026 | $25.6M | $25.0M | 12.70% | 6.18% | 3.69% |
The First National Bank of Fleming loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fleming, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Fleming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3018) · FFIEC NIC profile (RSSD 306056)