Advertisement
Flat Branch Bank
Richmond, MO · FDIC Certificate #15751 · Chartered 07/0
Total assets
$92.80M
Total deposits
$79.22M
Total equity
$13.43M
Net loans
$57.49M
Branches (offices)
2
Net income (YTD)
-$450.00K
Rank: #3,732 of 4,213 U.S. banks by assets · #179 of 190 in Missouri. Assets changed -1.4% and deposits -5.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.96% |
| Return on equity | -6.65% |
| Net interest margin (YTD) | 4.74% |
| Equity to assets | 14.47% |
| Tier 1 leverage ratio | 12.58% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 72.6% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $47.35M | 82.4% | |
| Commercial & industrial | $9.67M | 16.8% | |
| Consumer / individual | $917.00K | 1.6% | |
| Construction & development | $9.27M | 16.1% | |
| Agricultural | $292.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $40.78M | $38.59M | $72.00K | $2.10M |
| Jun 2023 | $41.02M | $38.64M | $179.00K | $2.29M |
| Jun 2024 | $63.39M | $55.94M | $62.00K | $7.24M |
| Jun 2025 | $94.08M | $84.00M | -$99.00K | $9.55M |
| Jun 2026 | $92.80M | $79.22M | -$450.00K | $13.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $79.22M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $79.22M.
Similar-sized banks
Farmers & Merchants Bank Of Craig County ($92.96M) · The First National Bank Of Trinity ($92.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement