Flatwater Bank

Overview / Commentary

308-537-7181

900 Lake Avenue
Gothenburg, NE 69138

Flatwater Bank is headquartered in Gothenburg and is the 62^nd largest bank in the state of Nebraska. It is also the 2,735^th largest bank in the nation. It was established in 1902 and as of September of 2019, it had grown to 40 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

B+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	10639
Year Established	1902
Employees	40
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.31%
Return on Equity - YTD	12.3%
Annual Interest Income	$7.8MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$218.3MM$158.5MM
Loans	Q3 2019vs Q3 2018	$144.5MM$115.8MM
Deposits	Q3 2019vs Q3 2018	$179.4MM$123.3MM
Equity Capital	Q3 2019vs Q3 2018	$24.4MM$19.7MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$2.5MM$2.2MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$4.4MM$1.4MM
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

Flatwater Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.85%	-	-	Companion Savings
1.75%^*	-	$2k	YOUth Savings
OTHER TIERS: 0.20% → $2k+
1.00%^*	-	$5k	Christmas Club Savings
OTHER TIERS: 0.20% → $5k+
1.00%^*	-	$20k	Health Savings Account (HSA)
OTHER TIERS: 0.20% → $20k+
0.20%	$50	-	Pioneer Savings

Flatwater Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME
1.75%^*	-	$25k	Horizon Checking
OTHER TIERS: 0.20% → $25k+
0.20%	-	-	Pioneer Checking
0.20%	-	-	Business Premier Checking

Flatwater Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Flatwater Bank Locations
Brady Branch	120 N Main Street	Brady, NE 69123
Gothenburg State Bank	900 Lake	Gothenburg, NE 69138
Ansley Branch	624 Main St	Ansley, NE 68814

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