Total Assets
$30M
Total balance-sheet footings
FDIC Cert #3018 · Fleming, Colorado · Est. 1917
The First National Bank of Fleming - FDIC Bank Health Profile
A community-scale look at The First National Bank of Fleming's own numbers, pulled straight from its quarterly FDIC Call Report.
- $30M
- Total assets
- B
- Health grade · Good
- 1.01%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Fleming earns a PlainBankData health grade of B (75/100), with well-capitalized at 13.15% Tier 1, profitable at 1.01% ROA, 78% efficiency ratio.
- #4,239
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 13.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The First National Bank of Fleming's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Fleming's composite health score
Tier 1 Capital Ratio (13.15%) 35/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (7.93%) 16/20
Efficiency Ratio (77.61%) 4/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$26M
Customer-funded liabilities
Net Loans
$24M
Outstanding loan book
Net Income
$294K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Fleming ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Fleming's score of 75/100 falls in the highlighted band.
The First National Bank of Fleming's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Fleming's $30M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.15%
Texas Ratio
7.93%
Equity Capital
$4M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
7.60%
Efficiency Ratio
77.61%
What the numbers say about The First National Bank of Fleming
The First National Bank of Fleming is an FDIC-insured institution (Certificate #3018) headquartered in Fleming, Colorado, established in 1917. It holds $30M in total assets - 4,239th of 4,313 FDIC-insured banks, $26M in customer deposits, and $24M in net loans. Capital-wise, the Tier 1 ratio sits at 13.15%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.93%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (75 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Fleming is a community-scale institution -- 63rd of 65 FDIC-insured banks headquartered in Colorado by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$107K
Non-Interest Income
$960K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Fleming reports a Texas Ratio of 7.93% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Fleming (FDIC Cert #3018) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is The First National Bank of Fleming's health grade?▼
The First National Bank of Fleming receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The First National Bank of Fleming?▼
The First National Bank of Fleming holds $30M in total assets and $26M in deposits, ranking 4,239th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fleming, Colorado.
Is my money safe at The First National Bank of Fleming?▼
Yes, deposits at The First National Bank of Fleming (Certificate #3018) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Fleming's Tier 1 Capital Ratio?▼
The First National Bank of Fleming has a Tier 1 Capital Ratio of 13.15%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank of Fleming?▼
The First National Bank of Fleming has a Texas Ratio of 7.93%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Fleming?▼
The First National Bank of Fleming has an Efficiency Ratio of 77.61%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Fleming's profile as a depositor or analyst.
- The First National Bank of Fleming's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Fleming against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.