Flatwater Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 30.12 percentage points in Q2 2026, from 58.01% to 88.12%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Flatwater Bank is 54th of 138 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Flatwater Bank sits 0.28 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 8.09% |
| Tangible equity to tangible assets | 7.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.58% |
| Non-performing assets ratio | 1.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 15.34% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 88.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 18.23% |
| Net interest margin | 3.83% |
| Efficiency ratio | 57.35% |
| Yield on earning assets | 6.06% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.91% |
| Core deposits to total deposits | 65.45% |
| Brokered deposits to total deposits | 23.29% |
| Deposits to assets | 87.26% |
| Securities to assets | 15.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.86% | 1.41% | 3.69% | 0.04% | -0.01% |
| Q4 2023 | 10.25% | 1.21% | 3.35% | 0.03% | 0.03% |
| Q1 2024 | 9.54% | 1.02% | 2.97% | 0.02% | 0.07% |
| Q2 2024 | 10.02% | 2.87% | 3.27% | 0.00% | 0.01% |
| Q3 2024 | 9.85% | 1.41% | 3.40% | 0.05% | -0.02% |
| Q4 2024 | 9.62% | 0.30% | 3.43% | 0.13% | 0.09% |
| Q1 2025 | 9.96% | 1.72% | 3.46% | 0.13% | -0.00% |
| Q2 2025 | 10.15% | 1.99% | 3.82% | 0.05% | -0.37% |
| Q3 2025 | 9.67% | 1.75% | 3.81% | 0.03% | 0.06% |
| Q4 2025 | 9.49% | 0.64% | 3.66% | 1.49% | 2.32% |
| Q1 2026 | 9.22% | 1.04% | 3.19% | 2.37% | 0.05% |
| Q2 2026 | 9.38% | 1.54% | 3.83% | 1.58% | 0.00% |
Flatwater Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flatwater Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Flatwater Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10639) · FFIEC NIC profile (RSSD 493152)