The First National Bank of Fleming (FDIC certificate #3018) is based in Fleming, Colorado. Its Q2 2026 call report shows $30.7M in total assets and $25.0M in deposits and 1 office.
Based on its Q2 2026 filing, The First National Bank of Fleming scores 69/100, which we describe as moderate. That is higher than only 37% of 546 banks with under $100 million in assets. Among 63 banks headquartered in Colorado, it ranks 41st. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is earnings (56/100; 0.89%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 54 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 68 |
| Q3 2025 | 58 |
| Q4 2025 | 68 |
| Q1 2026 | 67 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.94% |
| Q3 2024 | 13.03% |
| Q4 2024 | 13.04% |
| Q1 2025 | 13.40% |
| Q2 2025 | 13.10% |
| Q3 2025 | 13.72% |
| Q4 2025 | 13.15% |
| Q1 2026 | 13.32% |
| Q2 2026 | 13.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 3.87% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.13% |
| Q3 2025 | 2.80% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.30% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.12% |
| Q2 2025 | 0.75% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.23% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $30.7M | 13.29% | 1.12% | 0.89% | 101.6% |
| Q1 2026 | 67 | $30.8M | 13.32% | 1.66% | 1.23% | 94.2% |
| Q4 2025 | 68 | $30.1M | 13.15% | 1.38% | 1.01% | 92.9% |
| Q3 2025 | 58 | $29.7M | 13.72% | 2.80% | 1.31% | 96.1% |
| Q2 2025 | 68 | $28.8M | 13.10% | 1.13% | 0.75% | 95.1% |
| Q1 2025 | 72 | $28.7M | 13.40% | 1.20% | 1.12% | 90.9% |
| Q4 2024 | 69 | $28.6M | 13.04% | 1.18% | 1.06% | 97.4% |
| Q3 2024 | 54 | $28.8M | 13.03% | 3.87% | 1.30% | 91.4% |
| Q2 2024 | 71 | $29.3M | 12.94% | 1.26% | 1.15% | 87.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Champion BankBank Parker, CO | 71 out of 100, Strong | $41.7M | 39.3% | 1.01% | vs |
| Young Americans BankBank Denver, CO | 46 out of 100, Below average | $15.5M | 11.9% | 10.53% | vs |
| Transact Bank, National AssociationBank Denver, CO | 86 out of 100, Very strong | $6.5M | 16.3% | 0.00% | vs |
| Century Savings and Loan AssociationBank Trinidad, CO | 78 out of 100, Strong | $75.3M | 16.4% | 0.50% | vs |
| McClave State BankBank Mcclave, CO | 89 out of 100, Very strong | $78.9M | 14.0% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Fleming?
Yes. The First National Bank of Fleming is an FDIC-insured institution (FDIC certificate #3018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.9% of deposits ($2.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The First National Bank of Fleming lists 1 office in 1 city. Most locations:
- Fleming, CO (1)
Identity & history
Profile
- Legal name
- The First National Bank of Fleming
- Type
- National bank
- FDIC certificate #
- 3018
- RSSD ID
- 306056
- Primary regulator
- OCC
- Holding company
- Fleming Community Agency Inc
- Established
- January 1, 1917
- Headquarters
- 201 N Logan Ave, Fleming, CO 80728
- Website
- www.fnbfleming.com
- Employees
- 6
Quick answers
The First National Bank of Fleming: common questions
Is The First National Bank of Fleming FDIC insured?
Yes. The First National Bank of Fleming is an FDIC-insured institution (FDIC certificate #3018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Fleming's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Fleming ever failed?
There is no failure record for FDIC certificate #3018 in the FDIC failed bank list.
How many branches does The First National Bank of Fleming have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fleming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Points West Community BankBank Windsor, CO | 75 out of 100, Strong | $877.6M | 9.2% | 0.06% | vs |
| Equitable Savings and Loan AssociationBank Sterling, CO | 75 out of 100, Strong | $168.3M | 15.7% | 0.22% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| First FarmBankBank Greeley, CO | 72 out of 100, Strong | $384.4M | 12.3% | 0.88% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |