BlastPoint's Banking Scorecard
The First National Bank of Fleming
Designations: ✓ Community bank
Fleming, CO
The First National Bank of Fleming has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 10.24% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.8M
+7.5% YoY
+2.5% QoQ
|
-$31.5M |
$62.3M
-0.5% YoY
|
$902.4M
+10.4% YoY
|
$6.2B
+9.0% YoY
|
Bottom 12.5% in tier |
| Total Loans ? |
$25.1M
+11.7% YoY
+4.1% QoQ
|
-$9.2M |
$34.3M
-1.5% YoY
|
$622.8M
+11.0% YoY
|
$3.2B
+10.7% YoY
|
36% |
| Total Deposits ? |
$26.6M
+7.8% YoY
+2.7% QoQ
|
-$25.2M |
$51.8M
-0.6% YoY
|
$761.8M
+9.5% YoY
|
$4.8B
+8.0% YoY
|
17% |
| Return on Assets ? |
1.23%
+10.5% YoY
+22.5% QoQ
|
+0.38% |
0.86%
-3.6% YoY
|
0.93%
+13.2% YoY
|
1.24%
+13.1% YoY
|
64% |
| Net Interest Margin ? |
4.24%
+5.3% YoY
+0.9% QoQ
|
+0.37% |
3.87%
+2.7% YoY
|
4.00%
+4.6% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
77.39%
-6.9% YoY
-0.3% QoQ
|
-10.24% |
87.63%
+2.3% YoY
|
74.16%
-3.6% YoY
|
66.84%
-3.8% YoY
|
39% |
| Delinquency Rate ? |
1.68%
+38.6% YoY
+20.0% QoQ
|
+0.32% |
1.36%
+33.7% YoY
|
0.67%
-9.0% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
94.20%
+3.6% YoY
+1.4% QoQ
|
+30.09% |
64.11%
-0.9% YoY
|
78.28%
+0.7% YoY
|
76.69%
+0.9% YoY
|
Bottom 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.14%
+0.1% YoY
+8.1% QoQ
|
-5.65% |
23.79%
+0.5% YoY
|
23.78%
-3.2% YoY
|
22.01%
-1.1% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.69%
+30.4% YoY
+16.4% QoQ
|
+0.91% |
0.77%
+28.7% YoY
|
0.50%
-1.5% YoY
|
0.66%
+19.3% YoY
|
Bottom 13.4% in tier |
| Tier 1 Capital Ratio ? |
13.32%
-0.6% YoY
+1.2% QoQ
|
-13.46% |
26.77%
+2.0% YoY
|
21.83%
+3.3% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.06%
-7.0% YoY
-83.6% QoQ
|
-0.61% |
0.67%
+1.6% YoY
|
0.26%
+12.1% YoY
|
0.32%
+4.0% YoY
|
48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.