The First National Bank of Fleming: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 9.27 percentage points in Q2 2026, from 81.33% to 90.59%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, The First National Bank of Fleming is 53rd of 63 on return on assets, 0.55% as of Q2 2026, below the middle of the field. The First National Bank of Fleming reported 0.55% on return on assets for Q2 2026, 0.43 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.29% |
| Equity capital to assets | 13.29% |
| Tangible equity to tangible assets | 13.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 0.94% |
| Net charge-off ratio | 0.62% |
| Texas ratio | 6.61% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 90.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.55% |
| Return on equity | 4.14% |
| Net interest margin | 4.28% |
| Efficiency ratio | 63.69% |
| Yield on earning assets | 6.60% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.64% |
| Core deposits to total deposits | 90.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.33% |
| Securities to assets | 9.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.73% | 1.28% | 4.31% | 3.26% | -0.04% |
| Q4 2023 | 12.47% | 0.78% | 4.42% | 2.85% | 0.68% |
| Q1 2024 | 12.88% | 0.91% | 4.14% | 2.73% | 0.41% |
| Q2 2024 | 12.94% | 1.42% | 3.83% | 1.26% | 0.00% |
| Q3 2024 | 13.03% | 1.58% | 4.24% | 1.91% | 0.00% |
| Q4 2024 | 13.04% | 0.34% | 4.09% | 1.18% | 0.83% |
| Q1 2025 | 13.40% | 1.13% | 4.04% | 1.20% | 0.00% |
| Q2 2025 | 13.10% | 0.38% | 3.93% | 1.13% | 0.00% |
| Q3 2025 | 13.72% | 2.41% | 4.24% | 1.38% | 0.00% |
| Q4 2025 | 13.15% | 0.13% | 4.23% | 1.38% | 0.15% |
| Q1 2026 | 13.32% | 1.24% | 4.15% | 1.31% | 0.00% |
| Q2 2026 | 13.29% | 0.55% | 4.28% | 1.12% | 0.62% |
The First National Bank of Fleming vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fleming, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)