FDIC Cert #15751 · Richmond, Missouri · Est. 1940

Flat Branch Bank - FDIC Bank Health Profile

A community-scale look at Flat Branch Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$96M
Total assets
C
Health grade · Fair
0.01%
Return on assets
12.9%
Tier 1 capital

Data updated July 2026

The verdict

Flat Branch Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.95% Tier 1, 0.01% ROA, 90% efficiency ratio.

#3,769
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
12.95%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 15751 · MO C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3724/4307
  • PHOTO-FINISH Rondout Savings Bank · NY
  • TIER1-WELL 12.9% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-THIN 0.01% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Rondout Savings Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Flat Branch Bank

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank419 · OH · near62/100CB&S Bank, Inc. · AL · near62/100Flat Branch Bank · MO · this…62/100Peoples State Bank o… · MI ·…62/100Rondout Savings Bank · NY · …62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Flat Branch Bank · July 2026

Call Report read for Flat Branch Bank in a high-failure state

Flat Branch Bank (FDIC Cert #15751) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,724 of 4,307. Tier 1 capital prints at 12.95%, clearing the 10% well-capitalized line. The Texas Ratio is 0.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.01%. Balance-sheet scale is $96M, 3,769th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Rondout Savings Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Flat Branch Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Flat Branch Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Flat Branch Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Flat Branch Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Flat Branch Bank's composite health score
Tier 1 Capital Ratio (12.95%) 35/40
Return on Assets (ROA) (0.01%) 7/25
Texas Ratio (0.62%) 20/20
Efficiency Ratio (89.92%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$96M

Total balance-sheet footings

Total Deposits

$81M

Customer-funded liabilities

Net Loans

$48M

Outstanding loan book

Net Income

$11K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.55% 12.95% 14.35%
Basel III capital ratios - Flat Branch Bank

Where Flat Branch Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Flat Branch Bank's score of 62/100 falls in the highlighted band.

Flat Branch Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 14th percentile higher than 14% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Flat Branch Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Flat Branch Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Flat Branch Bank's $96M falls in the highlighted band.

Capital & credit buffers at Flat Branch Bank

Tier 1 capital ratio
Well-capitalized 10%

12.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.95%
Texas Ratio
0.62%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: Flat Branch Bank

Return on Assets (ROA)
5th percentile nationally
0.01%
Return on Equity (ROE)
0.11%
Efficiency Ratio
89.92%

What these mean →

Income & expense at Flat Branch Bank

$5M
Interest Income
$223K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Flat Branch Bank reports a Texas Ratio of 0.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Flat Branch Bank on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($96M here), outside Missouri so the neighborhood is not state containment.

The First National Bank of Anson $96M · TX The First National Bank of Lacon $96M · IL Citizens Bank of Cumberland County, I… $96M · KY Union Bank & Trust Company $96M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Flat Branch Bank (FDIC Cert #15751) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Flat Branch Bank Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%