BanksFLAT BRANCH BANK

FLAT BRANCH BANK

RICHMOND, MOMicroEst. July 1, 1940, midnightFDIC #15751RSSD #786256FDIC
Latest · 2025-12-31

FLAT BRANCH BANK is an 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%. CET1 capital ratio: 12.64%, well above regulatory minimums. NPL ratio: 0.18% · Texas Ratio: 0.62%. Operates 1 domestic branch.

Assets
$96M
Deposits
$81M
Loans
$48M
Equity
$14M

Profitability

Return on Assets (ROA)0.41%
Return on Equity (ROE)3.26%
Net Interest Margin4.56%
Yield on Assets6.49%
Cost of Funds2.03%

Asset Quality

NPL Ratio0.18%
Net Charge-Off Ratio0.00%
Texas Ratio0.62%
NPA Ratio0.09%
ACL / Loans1.11%

Capital & Liquidity

CET1 Ratio12.64%
Tier 1 Capital12.64%
Total Capital Ratio13.27%
Leverage Ratio12.95%
Loan-to-Deposit59.41%

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