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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Gothenburg, NE · FDIC certificate #10639
FLATWATER BANK is an FDIC-insured institution based in Gothenburg, NE (FDIC certificate #10639). In its Q3 2026 Call Report it reported total assets of $383M, total deposits of $334M and net loans of $283M. Its primary federal regulator is FDIC.
Plain-language readout
FLATWATER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $383M in Q3 2026 and were lowest at $347M in Q1 2026.
Total deposits were highest at $334M in Q3 2026 and lowest at $311M in Q1 2026.
Over the whole period total assets rose 10.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $383M | $334M | $283M | 1.54% | 18.93% | 3.61% |
| Q2 2026 | $368M | $321M | $272M | 1.27% | 15.28% | 3.55% |
| Q1 2026 | $347M | $311M | $253M | 1.05% | 12.37% | 3.29% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.9M | $18.0M | +$2.9M | +16.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $57.3M | $58.9M | -$1.6M | -2.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $271.8M | $252.9M | +$18.9M | +7.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.1M | $3.8M | +$289K | +7.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.0M | $2.0M | $0K | 0.0% |
| All other assets | $11.6M | $11.1M | +$503K | +4.5% |
| Total assets | $367.7M | $346.6M | +$21.0M | +6.1% |
| Liabilities | ||||
| Total deposits | $320.8M | $310.9M | +$9.9M | +3.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $13.5M | $3.0M | +$10.5M | +345.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $3.6M | -$1K | -0.0% |
| Total liabilities | $337.9M | $317.5M | +$20.4M | +6.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $750K | $750K | $0K | 0.0% |
| Surplus | $26.1M | $26.1M | $0K | 0.0% |
| Retained earnings | $7.7M | $7.0M | +$740K | +10.6% |
| Accumulated other comprehensive income | -$4.8M | -$4.7M | -$113K | -2.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.7M | $29.1M | +$627K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.8M | $6.1M | -$1.3M | -20.6% |
| Adjusted nonperforming assets | $4.8M | $6.1M | -$1.3M | -20.6% |
| Tangible equity plus allowance | $31.6M | $30.7M | +$925K | +3.0% |
| Texas ratio (gross) | 15.34% | 19.92% | -4.57 pts | See points |
| Texas ratio (adjusted) | 15.34% | 19.92% | -4.57 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.34% | 19.92% | -4.57 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.38% | 9.22% | +0.17 pts | See points |
| Construction and land loans to total capital | 35.53% | 36.44% | -0.90 pts | See points |
| Commercial real estate to total capital | 90.13% | 91.89% | -1.76 pts | See points |
| Dividend payout, year to date | 53.50% | 66.52% | -13.02 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.66% | -14.65% | -0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $210.0M | $209.0M | +$1.0M | +0.5% |
| Non-core funding | $124.4M | $105.0M | +$19.4M | +18.5% |
| Loans to core deposits | 131.27% | 122.71% | +8.56 pts | See points |
| Loans to deposits | 85.91% | 82.47% | +3.44 pts | See points |
| Brokered deposits share of deposits | 23.29% | 21.26% | +2.03 pts | See points |
| Pledged securities share of securities | 66.17% | 55.78% | +10.39 pts | See points |
| Loans pledged, share of loans | 32.83% | 39.94% | -7.10 pts | See points |
| Volatile liabilities | $124.4M | $105.0M | +$19.4M | +18.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.0M | $1.4M | +$1.6M | +120.6% |
| Earnings before provision, single quarter | $1.6M | $1.4M | +$280K | +20.6% |
| Provision for credit losses, year to date | $754K | $454K | +$300K | +66.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.95% | 6.47% | +0.48 pts | See points |
| Yield on interest-bearing balances due from banks | 1.50% | 2.67% | -1.17 pts | See points |
| Total interest income to average assets | 5.84% | 5.37% | +0.47 pts | See points |
| Cost of interest-bearing transaction accounts | 1.33% | 1.72% | -0.39 pts | See points |
| Cost of savings and money market deposits | 0.70% | 0.79% | -0.09 pts | See points |
| Cost of time deposits | 3.69% | 3.66% | +0.03 pts | See points |
| Total interest expense to average assets | 2.15% | 2.32% | -0.17 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $383M | $334M | $283M | 1.54% | 18.93% | 3.61% |
| 2026-06-30 | $368M | $321M | $272M | 1.27% | 15.28% | 3.55% |
| 2026-03-31 | $347M | $311M | $253M | 1.05% | 12.37% | 3.29% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $265.2M | 0.29% | 67 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.