The First National Bank of Fleming: how it compares with its peers
Against 259 U.S. banks with half to twice its assets, The First National Bank of Fleming's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 3.84% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $5.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 0.93% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 3.84% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.09% | 75.57% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $5.4M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.59% | 60.81% | Context |
What it means for lending operations
Its efficiency ratio of 70.09% is better than the 75.57% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Hopeton State Bank Hopeton, OK · $31M
- Generations Community Bank Indianapolis, IN · $31M
- Vermont State Bank Vermont, IL · $31M
- Bank of Cattaraugus Cattaraugus, NY · $31M
- Dewey Bank Dewey, IL · $30M
- First State Bank of St. Peter Saint Peter, IL · $30M
Questions about The First National Bank of Fleming
How big is The First National Bank of Fleming?
The First National Bank of Fleming, established in 1917, is headquartered in Fleming, CO. It reported $31M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Fleming's return on assets?
0.89% annualized in Q2 2026, against a 0.93% median for 259 U.S. banks with half to twice its assets, ahead of 48% of them.
What is The First National Bank of Fleming's efficiency ratio?
70.09% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 75.57%, and lower is better.
Is The First National Bank of Fleming growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.