FDIC Cert #10639 · Gothenburg, Nebraska · Est. 1902

Flatwater Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$342M
Total assets
B
Health grade · Good
1.49%
Return on assets
9.5%
Tier 1 capital

Data updated July 2026

The verdict

Flatwater Bank earns a PlainBankData health grade of B (66/100), with 9.49% Tier 1 capital, profitable at 1.49% ROA, efficient (55% cost ratio).

#2,314
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
9.49%
Tier 1 ratio - below the 10% well-capitalized line
74th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 10639 · NE B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3431/4307
  • PHOTO-FINISH Jonestown Bank and T… · PA
  • TIER1-ADEQ 9.5% Tier 1
  • TEXAS-CLEAN 12.0% Texas
  • ROA-STRONG 1.49% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Jonestown Bank and Trust Company, of Jonestown, Pennsylvania, PA (±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 Flatwater Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Southeast Bank · MN · …66/100Flatwater Bank · NE · this b…66/100Jonestown Bank and T… · PA ·…66/100TBO Bank · MO · near66/100The Kansas State Bank · KS ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Flatwater Bank · July 2026

What Flatwater Bank's Call Report plate shows

Flatwater Bank (FDIC Cert #10639) carries a PlainBankData health grade of B at 66/100, 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 #3,431 of 4,307. Tier 1 capital prints at 9.49%, missing the 10% well-capitalized line. The Texas Ratio is 12.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.49%. Balance-sheet scale is $342M, 2,314th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Jonestown Bank and Trust Company, of Jonestown, Pennsylvania (PA), 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 Flatwater Bank

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

Flatwater Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Flatwater Bank remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

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

How Flatwater Bank's 66/100 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 avg77/10066/100
Flatwater Bank's composite health score
Tier 1 Capital Ratio (9.49%) 18/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (12.02%) 16/20
Efficiency Ratio (54.86%) 12/15

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

Balance sheet at a glance

Total Assets

$342M

Total balance-sheet footings

Total Deposits

$295M

Customer-funded liabilities

Net Loans

$257M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.09% 9.49% 10.89%
Basel III capital ratios - Flatwater Bank

Where Flatwater Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Flatwater Bank's score of 66/100 falls in the highlighted band.

Flatwater Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% 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. Flatwater 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

Flatwater 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). Flatwater Bank's $342M falls in the highlighted band.

Safety ratios for Flatwater Bank

Tier 1 capital ratio
Well-capitalized 10%

9.49% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.49%
Texas Ratio
12.02%
Equity Capital
$29M

What these ratios mean →

Earnings posture at Flatwater Bank

Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
17.59%
Efficiency Ratio
54.86%

What these mean →

Income & expense at Flatwater Bank

$19M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Flatwater Bank reports a Texas Ratio of 12.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Flatwater Bank on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($342M here), outside Nebraska so the neighborhood is not state containment.

Frontier Bank $342M · SD Farmers State Bank $341M · IL Farmers and Merchants State Bank of P… $342M · MN Community State Bank $343M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Flatwater Bank (FDIC Cert #10639) - 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.

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

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%