Bank Safety Analysis
Is Flat Branch Bank Safe?
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Flat Branch Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 3.12 percentage points higher than in Q1 2026, at 0.64%. Within Missouri, Flat Branch Bank is 47th of 191 on leverage ratio, 12.58% as of Q2 2026. The median for banks in the < $100M asset tier is 12.62% on leverage ratio; Flat Branch Bank reported 12.58% for Q2 2026, nearly level with it. From Q3 2023 to Q2 2026, Flat Branch Bank's CET1 ratio ranged between 16.43% (Q3 2025) and 45.47% (Q1 2024) and its Texas ratio ranged between 0.00% (Q2 2026) and 2.58% (Q3 2023). Between Q2 2025 and Q2 2026, Flat Branch Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.26% to 0.00%, Texas ratio fell from 1.23% to 0.00% and return on assets rose from -0.52% to 0.64%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (578 banks) · Industry averages as of Q2 2026.
Leverage ratio of 12.58% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 12.58% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 72.8% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 73.50% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 82.88% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 9 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2025 | 16.43% |
| Q2 2025 | 23.16% |
| Q1 2025 | 29.18% |
| Q4 2024 | 33.98% |
| Q3 2024 | 31.69% |
| Q2 2024 | 40.02% |
| Q1 2024 | 45.47% |
| Q4 2023 | 29.32% |
| Q3 2023 | 27.93% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.72% |
| Q3 2025 | 1.73% |
| Q2 2025 | 1.23% |
| Q1 2025 | 0.18% |
| Q4 2024 | 1.34% |
| Q3 2024 | 1.59% |
| Q2 2024 | 1.16% |
| Q1 2024 | 1.23% |
| Q4 2023 | 2.08% |
| Q3 2023 | 2.58% |
Flat Branch Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.00% | 0.00% | 0.64% |
| Mar 31, 2026 | — | 0.00% | 0.00% | -2.49% |
| Dec 31, 2025 | — | 0.18% | 0.72% | 0.41% |
| Sep 30, 2025 | 16.43% | 0.34% | 1.73% | 0.06% |
| Jun 30, 2025 | 23.16% | 0.26% | 1.23% | -0.52% |
| Mar 31, 2025 | 29.18% | 0.05% | 0.18% | 0.08% |
| Dec 31, 2024 | 33.98% | 0.39% | 1.34% | 0.24% |
| Sep 30, 2024 | 31.69% | 0.45% | 1.59% | 1.00% |
| Jun 30, 2024 | 40.02% | 0.43% | 1.16% | 1.35% |
| Mar 31, 2024 | 45.47% | 0.52% | 1.23% | -1.06% |
| Dec 31, 2023 | 29.32% | 0.49% | 2.08% | 0.72% |
| Sep 30, 2023 | 27.93% | 0.49% | 2.58% | 0.78% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Flat Branch Bank FDIC insured?
Yes. Flat Branch Bank is an FDIC-insured commercial bank (FDIC Certificate #15751). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Flat Branch Bank well capitalized?
Yes. Flat Branch Bank reports a Community Bank Leverage Ratio of 12.58%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Flat Branch Bank's nonperforming loan ratio?
As of the most recent call report, Flat Branch Bank's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is Flat Branch Bank's Texas Ratio?
Flat Branch Bank's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 15751) · FFIEC NIC profile (RSSD 786256)
Explore: Full Flat Branch Bank profile · Other banks in MO · Metric glossary · How the call report works