Flatwater Bank

Overview / Commentary
900 Lake Avenue
Gothenburg, NE 69138

Flatwater Bank is headquartered in Gothenburg and is the 62nd largest bank in the state of Nebraska. It is also the 2,741st largest bank in the nation. It was established in 1902 and as of December of 2019, it had grown to 33 employees at 3 locations. Flatwater Bank's money market rates are 70% higher than the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #10639
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD11.88%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$217.1MM$196.3MM
LoansQ4 2019vs Q4 2018$147.6MM$145.5MM
DepositsQ4 2019vs Q4 2018$176.5MM$155.5MM
Equity CapitalQ4 2019vs Q4 2018$24.1MM$20.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.7MM$2.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$5.5MM$1.0MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not Flatwater Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Flatwater Bank Savings Account Rates

1.85%--Companion Savings
1.75%*-$2kYOUth Savings
OTHER TIERS: 0.20% $2k+
1.00%*-$5kChristmas Club Savings
OTHER TIERS: 0.20% $5k+
1.00%*-$20kHealth Savings Account (HSA)
OTHER TIERS: 0.20% $20k+
0.20%$50-Pioneer Savings

Flatwater Bank Money Market Rates

0.75%*$100k*-Frontier Money Market
OTHER TIERS: 0.15% Up to $25k | 0.25% $25k - $50k | 0.50% $50k - $100k

Flatwater Bank Checking Account Rates

1.75%*-$25kHorizon Checking
OTHER TIERS: 0.20% $25k+
0.20%--Pioneer Checking
0.20%--Business Premier Checking

Flatwater Bank CD Rates

2.30%$1k-60 Month CD Special
1.55%$500-13 Month CD Special
1.10%$500-36 Month CD
1.00%$500-24 Month CD
0.90%$500-18 Month CD
0.80%$500-12 Month CD
0.60%$500-182 Day CD
0.40%$500-91 Day CD
0.35%$25k-7 - 90 Day CD

Flatwater Bank IRA Rates

1.10%$500-36 Month IRA
1.00%$500-24 Month IRA
0.80%$500-12 Month IRA
0.65%$50-18 Month Variable IRA
0.60%$500-182 Day IRA

Flatwater Bank Locations
Brady Branch120 N Main StreetBrady, NE 69123
Gothenburg State Bank900 LakeGothenburg, NE 69138
Ansley Branch624 Main StAnsley, NE 68814

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