C
Flatwater Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.38
Return On
Assets
1.29%
Total
Assets
367.67M
Capital
29.73M
Total
Deposits
320.82M
Net
Income
2.24M
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Weiss Ratings Flatwater Bank
Gothenburg, NE 		Click to
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Rating C
Asset Quality Index 2.60
Capitalization Index 7.60
Liquidity Index 0.10
Profitability Index 4.50
Stability Index 5.60
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 14.49%
5-Year Asset Growth 11.54%
5-Year Charge-Offs to Average Loans 0.19%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 1.18%
Non-Performing Loans to Capital 13.33%
Non-Performing Loans to Loans 1.58%
Balance Sheet Flatwater Bank
Gothenburg, NE 		Click to
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Total Assets 367.67M
Total Deposits 320.82M
Capital and Reserves Flatwater Bank
Gothenburg, NE 		Click to
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Capital 29.73M
Leverage Ratio 9.38
Loan Loss Reserves to Loans 1.39%
Risk-Based Capital Ratio --
Liquidity Flatwater Bank
Gothenburg, NE 		Click to
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Hot Money Ratio 45.41%
Liquidity Ratio 11.94%
Profitability Flatwater Bank
Gothenburg, NE 		Click to
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5-Year Return on Average Assets 1.47%
Net Income 2.24M
Net Interest Spread 3.51%
Operating Profit to Average Assets 1.29%
Overhead Efficiency Ratio 58.06%
Return on Assets 1.29%
Return on Equity 15.31%