Flat Branch Bank
Richmond, MO · Cert 15751 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · State Holding Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$92.8MAssets
$58.2MLoans
$79.2MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
- Widest gap: return on equity trails 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 40 of 40).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.97%
Rank 40 of 40
Net Interest Margin
4.63%
Rank 10 of 40
Efficiency Ratio
119.11%
Rank 40 of 40
Equity / Assets
14.47%
Rank 6 of 40
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 2% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.97% | 1.02% | 1.39% | 1.86% | Beats 0% | 40 / 40 | | |
| Return on Equity | -6.70% | 10.74% | 14.78% | 21.32% | Beats 0% | 40 / 40 | | |
| Net Interest Margin | 4.63% | 3.33% | 4.05% | 4.63% | Beats 75% | 10 / 40 | | |
| Efficiency Ratio | 119.11% | 51.70% | 58.10% | 69.29% | Beats 2% | 40 / 40 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.20% | 1.11% | Beats 100% | 8 / 39 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | | |
| Capital |
| Tier 1 Capital Ratio | 12.58% | 11.32% | 12.27% | 16.94% | Beats 57% | 17 / 40 | | |
| Total Risk-Based Capital Ratio | 12.58% | 11.32% | 13.09% | 17.63% | Beats 43% | 23 / 40 | | |
| Equity / Assets | 14.47% | 8.41% | 10.10% | 12.34% | Beats 85% | 6 / 40 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.50% | 73.50% | 85.60% | 94.85% | 25th pctl | 30 / 40 | | |
| Loans / Assets | 62.75% | 62.75% | 69.87% | 79.23% | 25th pctl | 30 / 40 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |