FLATWATER BANK

GOTHENBURG, NE | Small | Est. May 1, 1902, midnight | FDIC #10639 | RSSD #493152 | FDIC
Latest Report: 2025-12-31

FLATWATER BANK is asn small FDIC-insured commercial bank headquartered in GOTHENBURG, NE, established in May 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $342M and total deposits of $295M. Profitability stands at 0.63% ROA and 7.33% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 7.48%. Asset quality metrics show a non-performing loan ratio of 1.49% and a Texas Ratio of 11.99%. FDIC Certificate #10639.

Assets

$342M

Deposits

$295M

Loans

$260M

Equity

$29M

Profitability

Return on Assets (ROA) 0.63%
Return on Equity (ROE) 7.33%
Net Interest Margin (NIM) 3.80%
Yield on Assets 6.45%
Cost of Funds 2.70%

Asset Quality

NPL Ratio 1.49%
Net Charge-Off Ratio 0.51%
Texas Ratio 11.99%
NPA Ratio 1.13%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 7.48%
Tier 1 Capital 7.48%
Total Capital Ratio 7.85%
Leverage Ratio 9.49%
Loan-to-Deposit 88.18%

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