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 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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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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