Flatwater Bank
Gothenburg, NE
IDRSSD: 493152
Total Assets
$341.83M
Latest filing
Total Deposits
$294.99M
Latest filing
Net Interest Margin
3.77%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104901607GOTHENBURG, NE
Key People
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Locations
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Main Office
Flatwater Bank
900 Lake Ave
Gothenburg, NE 69138
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1902FDIC Certificate 6821
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Flatwater Bank (Main) | 900 Lake Ave | Gothenburg, NE |
| ANSLEY BRANCH | 624 Main St | Ansley, NE |
| BRADY BRANCH | 120 N Main St | Brady, NE |
Showing 2 of 2
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 | 05/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 69138 |
| State and County Number | 31047 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | Lexington, NE |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.flatwater.bank |
| Data Updated | 01/30/2026 |
| CERT | 10639 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $341.83M |
| Total Deposits | $294.99M |
| Total Liabilities | $312.59M |
| Total Equity Capital | $29.24M |
| Net Income | $534.00k |
| Net Loans and Leases | $257.02M |
| Assets Per Employee ($Millions) | $8.34M |
| Bank Premises and Fixed Assets | $3.83M |
| Cash and Balances due from Depository Institutions | $6.14M |
| Deposits Held in Domestic Offices | $294.99M |
Key Performance Ratios
| Return on Assets (ROA) | 0.63% |
| Return on Equity (ROE) | 7.33% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 59.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.554% |
| Earning Assets to total Assets | 92.73% |
Income and Expense
| Total Interest Income | $5.01M |
| Total Noninterest Income | $637.00k |
| Total Interest Expense | $2.06M |
| Total Noninterest Expense | $2.13M |
| Net Interest Income | $2.96M |
| Pre-tax Net Operating Income | $526.00k |
| Provision for Credit Losses | $935.00k |
| 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 | $14.04M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.56M |
| Total Liabilities and Capital | $341.83M |
Securities
| Securities | $59.76M |
| Available-for-sale debt securities | $59.76M |
| 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 Flatwater Bank?
$341.83M as of the latest filing.
How much are Flatwater Bank's total deposits?
$294.99M in total deposits.
Where is Flatwater Bank located?
Gothenburg, NE.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
3.
When was it established?
05/01/1902.
What is the Return on Assets (ROA)?
0.63%.
How much are total loans and leases?
$257.02M (latest filing).
What is the total interest income (latest filing)?
$5.01M.