C
Flatwater Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.67
Return On
Assets
1.82%
Total
Assets
333.95M
Capital
29.04M
Total
Deposits
278.24M
Net
Income
4.24M
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Weiss Ratings Flatwater Bank
Gothenburg, NE 		Click to
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Rating C
Asset Quality Index 6.90
Capitalization Index 8.00
Liquidity Index 0.10
Profitability Index 7.40
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 8.92%
5-Year Asset Growth 8.02%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans -0.10%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.28%
Non-Performing Loans to Loans 0.03%
Balance Sheet Flatwater Bank
Gothenburg, NE 		Click to
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Total Assets 333.95M
Total Deposits 278.24M
Capital and Reserves Flatwater Bank
Gothenburg, NE 		Click to
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Capital 29.04M
Leverage Ratio 9.67
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio --
Liquidity Flatwater Bank
Gothenburg, NE 		Click to
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Hot Money Ratio 45.51%
Liquidity Ratio 10.07%
Profitability Flatwater Bank
Gothenburg, NE 		Click to
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5-Year Return on Average Assets 1.45%
Net Income 4.24M
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.82%
Overhead Efficiency Ratio 53.30%
Return on Assets 1.82%
Return on Equity 21.22%