C
Flatwater Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.49
Return On
Assets
1.51%
Total
Assets
341.83M
Capital
29.24M
Total
Deposits
294.99M
Net
Income
4.77M
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Weiss Ratings Flatwater Bank
Gothenburg, NE 		Click to
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Rating C
Asset Quality Index 4.00
Capitalization Index 7.70
Liquidity Index 0.10
Profitability Index 6.30
Stability Index 3.70
Company Info Flatwater Bank
Gothenburg, NE 		Click to
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FDIC Number 10639
Phone Number (308) 537-7181
Website flatwater.bank
Asset Quality Flatwater Bank
Gothenburg, NE 		Click to
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1-Year Asset Growth 12.40%
5-Year Asset Growth 11.54%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.54%
Non-Performing Assets to Assets 1.13%
Non-Performing Loans to Capital 11.24%
Non-Performing Loans to Loans 1.49%
Balance Sheet Flatwater Bank
Gothenburg, NE 		Click to
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Total Assets 341.83M
Total Deposits 294.99M
Capital and Reserves Flatwater Bank
Gothenburg, NE 		Click to
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Capital 29.24M
Leverage Ratio 9.49
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio --
Liquidity Flatwater Bank
Gothenburg, NE 		Click to
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Hot Money Ratio 48.09%
Liquidity Ratio 11.43%
Profitability Flatwater Bank
Gothenburg, NE 		Click to
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5-Year Return on Average Assets 1.45%
Net Income 4.77M
Net Interest Spread 3.69%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 54.86%
Return on Assets 1.51%
Return on Equity 17.51%