FLAT BRANCH BANK

RICHMOND, MO | Micro | Est. July 1, 1940, midnight | FDIC #15751 | RSSD #786256 | FDIC
Latest Report: 2025-12-31

FLAT BRANCH BANK is amn micro FDIC-insured commercial bank headquartered in RICHMOND, MO, established in July 1, 1940, midnight. As of 2025-12-31, the bank reported total assets of $96M and total deposits of $81M. Profitability stands at 0.41% ROA and 3.26% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 11.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.62%. FDIC Certificate #15751.

Assets

$96M

Deposits

$81M

Loans

$48M

Equity

$14M

Profitability

Return on Assets (ROA) 0.41%
Return on Equity (ROE) 3.26%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.49%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio --
Texas Ratio 0.62%
NPA Ratio 0.09%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 11.73%
Tier 1 Capital 11.73%
Total Capital Ratio 12.32%
Leverage Ratio 12.95%
Loan-to-Deposit 59.41%

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