Flat Branch Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Flat Branch Bank, based in Richmond, Missouri, reported $93 million in assets at June 30, 2026, down 1.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also grew its loan book 56.2% over the year, 22.0 times the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 56.2% and deposits fell 5.7%. Its $9.7 million commercial and industrial book is now fully current, after 5.87% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.8 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, Flat Branch Bank reported a return on assets of 0.64%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 803 Wollard Blvd, Richmond, MO 64085
- County
- Ray
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 1, 1940
- Former names
- The State Bank (1996-2024); Ray County Bank (1982-1996)
- Offices
- 2 domestic
- Employees (FTE)
- 16
- Domestic deposits
- $79.2M
- Allowance for credit losses
- $738K
- Net charge-offs (YTD)
- $0
- Average total assets
- $93.3M
- Average total loans
- $56.1M
- Average interest-bearing deposits
- $64.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1940
- FDIC Cert
- 15751
- Fed RSSD
- 786256
- Website
- www.flatbranchbank.com →
- Parent Holding Company
- STATE HOLDING INC. (RSSD 5884885)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Flat Branch Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Flat Branch Bank, freeFlat Branch Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.58% | 0.64% | 0.00% | 0.00% | 4.56% |
| Q1 2026 | 11.97% | -2.49% | 0.00% | 0.00% | 4.77% |
| Q4 2025 | 12.95% | 0.41% | 0.18% | 0.72% | 4.50% |
| Q3 2025 | 8.10% | 0.06% | 0.34% | 1.73% | 4.04% |
| Q2 2025 | 8.30% | -0.52% | 0.26% | 1.23% | 3.87% |
| Q1 2025 | 9.07% | 0.08% | 0.05% | 0.18% | 3.75% |
| Q4 2024 | 9.26% | 0.24% | 0.39% | 1.34% | 4.03% |
| Q3 2024 | 8.56% | 1.00% | 0.45% | 1.59% | 4.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Branch | Columbia , MO | 65201 | $41.6M |
| Flat Branch Bank (main office) | Richmond , MO | 64085 | $37.6M |
Regulatory record
What the public regulatory sources show for Flat Branch Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 213 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Flat Branch Bank
What are Flat Branch Bank's total assets?
As of the Q2 2026 filing, Flat Branch Bank reported total assets of $92.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Flat Branch Bank headquartered?
Flat Branch Bank is headquartered in Richmond, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Flat Branch Bank founded?
Flat Branch Bank was established in 1940, per the FDIC institution directory.
Is Flat Branch Bank FDIC-insured?
Yes. Flat Branch Bank is an FDIC-insured commercial bank (FDIC Certificate #15751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Flat Branch Bank?
Flat Branch Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Flat Branch Bank operate?
Flat Branch Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Flat Branch Bank's Texas Ratio?
Flat Branch Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Flat Branch Bank previously called?
The charter now named Flat Branch Bank has also operated as The State Bank (1996-2024), Ray County Bank (1982-1996), per FDIC structure-change records.
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