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.
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