Flatwater Bank is a bank based in Gothenburg, Nebraska, established in 1902, with $347 million in total assets across 3 branches. By Trust Grade it ranks 117th of 139 banks we track in Nebraska. Its capital ratio of 8.4% trails most similarly sized banks (20th percentile), versus a Nebraska median of 10.8%. It was profitable over the most recent period, with a 1.05% return on assets. No consumer complaints against Flatwater Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Flatwater Bank compares to Nebraska peers
How we graded Flatwater Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.4% capital ratio)
- Strongly profitable (ROA 1.05%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Flatwater Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 624 Main St, Ansley, NE 68814
- 900 Lake Ave, Gothenburg, NE 69138
- 120 N Main St, Brady, NE 69123
Are deposits at Flatwater Bank insured?
Yes. Flatwater Bank is an FDIC-insured bank (FDIC certificate #10639). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Flatwater Bank: frequently asked questions
Is Flatwater Bank a good bank?
Flatwater Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.4% capital ratio); Strongly profitable (ROA 1.05%).
Is Flatwater Bank FDIC-insured?
Yes. Flatwater Bank is a FDIC-insured bank (FDIC certificate #10639). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Flatwater Bank?
Flatwater Bank holds $347 million in total assets, ranking 117th of 139 banks we track in Nebraska. It operates 3 branches.
Does Flatwater Bank have CFPB complaints?
No CFPB complaints against Flatwater Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
