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Flatwater Bank

Flatwater Bank is an FDIC insured institution headquartered at 900 Lake Ave, Gothenburg, NE 69138.
It was founded in 1902 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.20%	$1	Compare

CD RATES	APY	MIN
6 Mo CD	0.35%	$500	Compare
12 Mo CD	0.50%	$500	Compare
Special: 13 Mo CD	1.05%	$500	Compare
24 Mo CD	0.70%	$500	Compare
36 Mo CD	0.80%	$500	Compare
60 Mo CD	1.40%	$500	Compare

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 10639
Date Established	1902
Assets	$ 341.83 million
Loans	$ 257.02 million
Deposits	$ 294.99 million
Capital	$ 29.24 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 6.14 million
Interest-bearing balances	$ 0.20 million
Total securities	$ 59.76 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 257.02 million
Loan loss allowance	$ 3.11 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 1.98 million
All other assets	$ 7.50 million
Total Assets	$ 312.59 million

LIABILITIES
Total deposits	$ 294.99 million
Interest-bearing deposits	$ 264.10 million
Deposits held in domestic offices	$ 294.99 million
% insured (estimated)"	87.42%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 1.68 millionn
Total Liabilities	$ 312.59 million
Shareholders’ Equity	$ 29.24 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 19.10 million
Total Interest Expense	$ 7.78 million
Net interest income	$ 11.33 million
Provision for loan and lease losses	$ 1.49 million
Total non interest income	$ 2.55 million
Total non interest expense	$ 7.61 million
Pre-tax Net Operating Income	$ 1.62 million

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Branches

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