BlastPoint's Banking Scorecard
Flatwater Bank
Micro
Specialty: Agricultural
NE
FDIC cert 10639
Designations: ✓ Community bank
Gothenburg, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Flatwater Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$341.8M
+12.4% YoY
+2.4% QoQ
|
+$124.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$257.0M
+12.9% YoY
-0.5% QoQ
|
+$117.8M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$295.0M
+11.9% YoY
+6.0% QoQ
|
+$111.3M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.49%
+7.9% YoY
-17.0% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.83%
+13.0% YoY
-0.3% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
54.86%
-12.7% YoY
+2.9% QoQ
|
-12.87% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.51%
+940.3% YoY
|
+0.87% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
87.13%
+0.9% YoY
-6.2% QoQ
|
+12.60% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
10.47%
-8.7% YoY
-3.9% QoQ
|
-11.92% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.14%
+945.0% YoY
|
+0.69% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.75%
-18.3% YoY
+30.2% QoQ
|
+0.18% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Loans
Current: $257.0M · Tier avg: $139.2M
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
81
81th pctile
Efficiency Ratio
Current: 54.86% · Tier avg: 67.73%
80
80th pctile
Total Deposits
Current: $295.0M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $341.8M · Tier avg: $217.5M
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
71
71th pctile
Loan-to-Deposit Ratio
Current: 87.13% · Tier avg: 74.53%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
19
19th pctile
Delinquency Rate
Current: 1.51% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.14% · Tier avg: 0.45%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.47% · Tier avg: 22.39%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.47% · Tier avg: 22.39%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.14% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.51% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 87.13% · Tier avg: 74.53%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
79
79th pctile
Total Assets
Current: $341.8M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $295.0M · Tier avg: $183.7M
81
81th pctile
Efficiency Ratio
Current: 54.86% · Tier avg: 67.73%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
86
86th pctile
Total Loans
Current: $257.0M · Tier avg: $139.2M