Flat Branch Bank
BankRegReports is independent of Flat Branch Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Flat Branch Bank is an FDIC-insured commercial bank headquartered in Richmond, MO, established in 1940 (FDIC certificate 15751), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $92.8M, down 1.4% from Q2 2025, the 179th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15751
- Headquarters
- Richmond, MO
- Established
- 1940
- Total assets, Q2 2026
- $92.8M
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 12.58%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101918101
- Latest call report
- Q2 2026, FFIEC 041 · Flat Branch Bank call report
- Holding company
- STATE HOLDING INC.
- Asset rank in state
- 179th of 191 in Missouri
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%. The figures come from its call report filed with the FFIEC.
Flat Branch Bank ranks as the 179th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $92.8M, loans rose 6.4% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.4% of total loans, followed by commercial and industrial loans at 16.6%. Its 2 offices in the FDIC Summary of Deposits are in Columbia, MO and Richmond, MO; its Columbia office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Flat Branch Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 2 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Flat Branch Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Flat Branch Bank's total assets ran between $35.2M (Q4 2023) and $95.8M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$92.8M total assets against $94.1M; $79.4M total liabilities against $84.5M.
$57.5M net loans and leases against $36.9M; $79.2M total deposits against $84.0M.
$6.2M securities against $22.3M; $25.4M cash and balances due against $31.1M.
$1.4M total interest income against $1.3M; $406K total interest expense against $450K.
$1.0M net interest income against $838K.
$58K total noninterest income against $56K; $826K total noninterest expense against $933K.
$55K provision for credit losses against $78K.
$149K net income against -$117K.
0.64% return on assets against -0.52%; 4.56% net interest margin against 3.87%.
12.58% tier 1 leverage ratio against 8.30%.
Inside the full Flat Branch Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.49% (Q1 2026) to 1.00% (Q3 2024) and its net interest margin ran from 3.75% (Q1 2025) to 4.77% (Q1 2026).
| 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% | 4.01% |
| Q3 2024 | 8.56% | 1.00% | 0.45% | 1.59% | 4.60% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Branch | Columbia , MO | 65201 | $41.6M |
| Flat Branch Bank (main office) | Richmond , MO | 64085 | $37.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 213 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Flat Branch Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Flat Branch Bank headquartered?
It is headquartered in Richmond, MO, United States.
When was Flat Branch Bank founded?
It was established in 1940, per the FDIC institution directory.
Is Flat Branch Bank FDIC-insured?
Yes. It 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.
How many branches does Flat Branch Bank operate?
It 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?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
Go deeper on Flat Branch Bank.
Get an email when Flat Branch Bank files its next call report, and benchmark it against any peer you choose.
Unlock Flat Branch Bank, freeFree account