C
Flatwater Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Flatwater Bank
Gothenburg, NE
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Rating C
Asset Quality Index 6.90
Capitalization Index 8.70
Liquidity Index 0.20
Profitability Index 7.40
Stability Index 3.70
Company Info Flatwater Bank
Gothenburg, NE
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FDIC Number 10639
Phone Number (308) 537-7181
Website flatwater.bank
Asset Quality Flatwater Bank
Gothenburg, NE
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1-Year Asset Growth 9.19%
5-Year Asset Growth 8.02%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans -0.19%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.39%
Non-Performing Loans to Loans 0.05%
Balance Sheet Flatwater Bank
Gothenburg, NE
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Total Assets 321.13M
Total Deposits 265.17M
Capital and Reserves Flatwater Bank
Gothenburg, NE
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Capital 27.41M
Leverage Ratio 10.15
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio --
Liquidity Flatwater Bank
Gothenburg, NE
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Hot Money Ratio 42.49%
Liquidity Ratio 10.79%
Profitability Flatwater Bank
Gothenburg, NE
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5-Year Return on Average Assets 1.45%
Net Income 2.80M
Net Interest Spread 3.64%
Operating Profit to Average Assets 1.88%
Overhead Efficiency Ratio 53.49%
Return on Assets 1.85%
Return on Equity 21.69%