BlastPoint's Banking Scorecard
The First National Bank of Fleming
Designations: ✓ Community bank
Fleming, CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 6 in CO.
- Deposits +1.0% year over year ($25.0M on the books).
- Delinquency rate 1.13%.
- Return on assets 0.89%.
- Efficiency ratio 70.09% vs a 119.40% peer average.
- Loan-to-deposit ratio 101.59% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Fleming has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 49.31% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.39% above tier average
- - ROA 0.11% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.7M
+6.5% YoY
-0.5% QoQ
|
-$31.8M |
$62.4M
-0.0% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.1% in tier |
| Total Loans ? |
$25.4M
+7.9% YoY
+1.0% QoQ
|
-$9.5M |
$34.9M
-0.6% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$25.0M
+1.0% YoY
-6.3% QoQ
|
-$26.7M |
$51.6M
-0.2% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
15% |
| Return on Assets ? |
0.89%
+18.3% YoY
-27.8% QoQ
|
-0.11% |
1.00%
+3.5% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.32%
+5.4% YoY
+1.9% QoQ
|
+0.41% |
3.91%
+2.3% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
70.09%
-8.3% YoY
-9.4% QoQ
|
-49.31% |
119.40%
+49.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
1.13%
-1.1% YoY
-32.5% QoQ
|
-0.35% |
1.48%
+31.8% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
101.59%
+6.9% YoY
+7.9% QoQ
|
+27.39% |
74.21%
+12.6% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.17%
+33.5% YoY
+11.2% QoQ
|
-3.32% |
23.49%
+0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.94%
-26.8% YoY
-44.6% QoQ
|
+0.10% |
0.84%
+23.0% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.29%
+1.5% YoY
-0.2% QoQ
|
-13.84% |
27.13%
+3.0% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.21%
+5.4% YoY
+257.2% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.2%
+5.1pp YoY +2.0pp QoQ |
-4.5pp | 24.6% | 23.5% | 22.2% | 37% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
-0.5pp YoY -0.6pp QoQ |
-7.2pp | 13.4% | 8.4% | 12.5% | 29% |
| CRE | n/a | n/a | 25.2% | 42.8% | 41.4% | n/a |
| 1-4 Family |
4.5%
-0.2pp YoY -0.1pp QoQ |
-30.4pp | 35.0% | 33.0% | 31.3% | 14% |
| Consumer |
3.7%
+0.1pp YoY -0.2pp QoQ |
-3.9pp | 7.7% | 3.9% | 5.0% | 39% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
13.3%
+0.2pp YoY 0.0pp QoQ |
-4.4pp | 17.7% | 12.5% | 12.6% | 55% |
| Total Capital Ratio | n/a | n/a | 39.7% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-1 (-14.3%) YoY 0 QoQ |
-6 | 12 | 107 | 482 | 13% |
| Assets per Employee ($) |
$5.1M
+24.3% YoY -0.5% QoQ |
-$1.1M | $6.2M | $7.8M | $8.8M | 37% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.7% | 0.4% | n/a |
| Nonaccrual |
1.1%
0.0pp YoY -0.2pp QoQ |
-0.6pp | 1.7% | 0.8% | 1.0% | 59% |
| Allowance Coverage |
0.91x
-27.0% YoY +41.3% QoQ |
-5.50x | 6.41x | 12.16x | 20.23x | 40% |
| Net Charge-off Rate (YTD) | 0.3% | +0.2pp | 0.2% | 0.1% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
+1.1pp YoY -2.7pp QoQ |
+0.4pp | 6.4% | 9.7% | 11.6% | 41% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+1.0pp | 1.4% | 1.7% | 1.7% | 90% |
| Net Income ($, YTD) |
$136,000
+25.9% YoY — QoQ |
-$182K | $317,817 | $5.4M | $40.4M | 28% |
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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.