Flat Branch Bank
Richmond, MO
IDRSSD: 786256
Total Assets
$95.84M
Latest filing
Total Deposits
$81.47M
Latest filing
Net Interest Margin
4.42%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
101918101RICHMOND, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Flat Branch Bank
803 Wollard Blvd
Richmond, MO 64085
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1940FDIC Certificate 10002
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Flat Branch Bank (Main) | 803 Wollard Blvd | Richmond, MO | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1940 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64085 |
| State and County Number | 29177 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/15/2024 |
| Date of Deposit Insurance | 07/01/1940 |
| Primary Insurance Agency | DIF |
| Website | www.flatbranchbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15751 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $95.84M |
| Total Deposits | $81.47M |
| Total Liabilities | $81.91M |
| Total Equity Capital | $13.93M |
| Net Income | $96.00k |
| Net Loans and Leases | $47.87M |
| Assets Per Employee ($Millions) | $5.04M |
| Bank Premises and Fixed Assets | $1.11M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $81.47M |
Key Performance Ratios
| Return on Assets (ROA) | 0.41% |
| Return on Equity (ROE) | 3.26% |
| Net Interest Margin | 4.42% |
| Efficiency Ratio | 84.59% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.58% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.532% |
| Earning Assets to total Assets | 94.86% |
Income and Expense
| Total Interest Income | $1.41M |
| Total Noninterest Income | $59.00k |
| Total Interest Expense | $418.00k |
| Total Noninterest Expense | $932.00k |
| Net Interest Income | $992.00k |
| Pre-tax Net Operating Income | $-17,000 |
| Provision for Credit Losses | $136.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $442.00k |
| Total Liabilities and Capital | $95.84M |
Securities
| Securities | $5.83M |
| Available-for-sale debt securities | $5.83M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Flat Branch Bank?
$95.84M as of the latest filing.
How much are Flat Branch Bank's total deposits?
$81.47M in total deposits.
Where is Flat Branch Bank located?
Richmond, MO.
What is the Net Interest Margin?
4.42%.
How many domestic offices does it operate?
1.
When was it established?
07/01/1940.
What is the Return on Assets (ROA)?
0.41%.
How much are total loans and leases?
$47.87M (latest filing).
What is the total interest income (latest filing)?
$1.41M.