The First National Bank of Fleming: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Fleming of Fleming, CO against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.55% | 3.14% | -2.59% | 28th below |
| ROAE | 4.14% | 10.42% | -6.28% | 30th below |
| Net Interest Margin | 4.28% | 3.93% | +0.35% | 67th above |
| Efficiency Ratio | 63.69% | 76.31% | -12.62% | 64th above |
| PPNR / Avg Assets | 1.69% | 1.40% | +0.29% | 69th above |
| Yield on Earning Assets | 6.60% | 5.35% | +1.25% | 89th top |
| Cost of Funds | 2.54% | 1.70% | +0.84% | 14th bottom |
| Net Interest Spread | 3.47% | 3.31% | +0.16% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.12% | 1.34% | -0.22% | 28th below |
| NPA / Total Assets | 0.94% | 0.71% | +0.23% | 21st bottom |
| NCO / Avg Loans | 0.62% | 0.10% | +0.52% | 4th bottom |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 29th below |
| ACL / NPLs (Coverage) | 90.59% | 865.12% | -774.53% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.61% | 8.25% | -1.64% | 28th below |
| Provision / NCO | -25.00% | 315.08% | -340.08% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.29% | 17.61% | -4.32% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.29% | 16.43% | -3.14% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.29% | 16.18% | -2.89% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.64% | 72.80% | +29.84% | 8th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.66% | 88.21% | +2.45% | 46th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.89% | 5.28% | -0.39% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.51% | 4.30% | +2.21% | 70th above |
| Loan Growth (Y/Y) | 7.49% | 6.72% | +0.77% | 71st above |
| Deposit Growth (Y/Y) | 0.99% | 3.77% | -2.78% | 44th below |
See The First National Bank of Fleming's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Fleming, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Fleming profile, how to read a UBPR, or how this data updates.