Flatwater Bank

BankGothenburg, Nebraska
www.flatwater.bank

Total Assets

$341.8M

Total Deposits

$295.0M

Branches

3

Established

1902

TFS Health Grade

$
D

67.0 / 100

Below average financial health

How we grade

Flatwater Bank is a bank headquartered in Gothenburg, Nebraska, established in 1902. With $341.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (67.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.49%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.49%

Profitability

Return on Assets (ROA)
1.49%(1%)
Return on Equity (ROE)
17.59%(10%)
Net Interest Margin
3.83%
Efficiency Ratio
54.86%(60%)

Lending & Liquidity

Total Loans
$260.1M
Loan-to-Deposit Ratio
87.13%
Net Charge-Off Ratio
0.54%

Growth

Asset Growth (YoY)
+12.40%
Deposit Growth (YoY)
+11.86%
Net Income
$4.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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