Branch Network
Flat Branch Bank Locations & Branches Richmond, Missouri
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Flat Branch Bank operates 2 branches from its headquarters in Richmond, MO, .
Flat Branch Bank branch network
Both branches are in MISSOURI, across 2 cities. Its largest office by deposits is the Columbia Branch office in Columbia, MO, with $41.6M (52.5% of its branch deposits). It had the same number of branches on June 30, 2025.
Flat Branch Bank at a glance
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.
- Total assets, Q2 2026
- $92.8M
- Tier 1 leverage ratio, Q2 2026
- 12.58%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1940
Full financial profile · Is Flat Branch Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Richmond, MO (1 branch) | 3 of 5 | 15.3% | $37.6M |
| State: MO (2 branches) | 213 of 249 | <0.1% | $79.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Missouri.
Share by county and metro area
Flat Branch Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Boone, MO (1 branch) | 16 of 23 | 0.7% | $41.6M | $5.84B |
| Ray, MO (1 branch) | 4 of 8 | 11.4% | $37.6M | $330.0M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Columbia, MO (1 branch) | 22 of 29 | 0.6% | $41.6M | $6.74B |
| Kansas City, MO-KS (1 branch) | 96 of 114 | <0.1% | $37.6M | $98.85B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Branch | Columbia, MO | 65201 | $41.6M |
| Flat Branch Bank (main office) | Richmond, MO | 64085 | $37.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15751) · FFIEC NIC profile (RSSD 786256)