Flatwater Bank
Gothenburg, NE · Cert 10639 · Peer group: banks under $1B in assets in NE (n=83) · Williams Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$367.7MAssets
$275.6MLoans
$320.8MDeposits
$29.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 64% of banks under $1B in assets in NE (rank 30 of 83).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in NE (rank 82 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.96%
Rank 60 of 83
Net Interest Margin
3.39%
Rank 58 of 83
Efficiency Ratio
58.06%
Rank 37 of 83
Equity / Assets
8.09%
Rank 82 of 83
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 57% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.93% | 1.20% | 1.51% | Beats 28% | 60 / 83 | |
| Return on Equity | 11.87% | 8.04% | 10.34% | 13.11% | Beats 64% | 30 / 83 | |
| Net Interest Margin | 3.39% | 3.25% | 3.62% | 4.02% | Beats 30% | 58 / 83 | |
| Efficiency Ratio | 58.06% | 51.13% | 59.95% | 67.19% | Beats 57% | 37 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.76% | 0.00% | 0.19% | 0.96% | Beats 13% | 73 / 83 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 30% | 59 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 9.38% | 10.94% | 13.24% | 16.62% | Beats 5% | 79 / 83 | |
| Total Risk-Based Capital Ratio | 9.38% | 11.04% | 13.54% | 17.63% | Beats 5% | 79 / 83 | |
| Equity / Assets | 8.09% | 9.90% | 11.31% | 13.84% | Beats 1% | 82 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 85.91% | 71.97% | 83.15% | 92.22% | 55th pctl | 37 / 83 | |
| Loans / Assets | 74.97% | 57.96% | 69.15% | 77.64% | 65th pctl | 29 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |