Advertisement
Flatwater Bank
Gothenburg, NE · FDIC Certificate #10639 · Chartered 05/0
Total assets
$367.67M
Total deposits
$320.82M
Total equity
$29.73M
Net loans
$271.80M
Branches (offices)
3
Net income (YTD)
$2.24M
Rank: #2,179 of 4,213 U.S. banks by assets · #55 of 138 in Nebraska. Assets changed 14.5% and deposits 21.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 15.28% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 8.09% |
| Tier 1 leverage ratio | 9.38% |
| Uninsured deposits (share of deposits) | 18.5% |
| Noncurrent loans (share of loans) | 1.76% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 84.7% |
| Real estate loans (share of loans) | 39.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $106.51M | 39.2% | |
| Commercial & industrial | $33.00M | 12.1% | |
| Consumer / individual | $6.75M | 2.5% | |
| Construction & development | $12.91M | 4.8% | |
| Agricultural | $128.79M | 47.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $211.00M | $188.70M | $1.57M | $20.61M |
| Jun 2023 | $238.94M | $193.87M | $2.05M | $21.10M |
| Jun 2024 | $294.10M | $264.39M | $2.80M | $23.68M |
| Jun 2025 | $321.13M | $265.17M | $2.80M | $27.41M |
| Jun 2026 | $367.67M | $320.82M | $2.24M | $29.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $320.82M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $320.82M.
Similar-sized banks
The First National Bank Of Oneida ($367.78M) · American Bank ($366.61M)
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