Flatwater Bank (FDIC #10639): Bank Stress & Real-Estate Credit Exposure

Flatwater Bank (FDIC Cert #10639): bank stress 72/100, elevated, STABLE over 7 days; parent WILLIAMS FINANCIAL CORP.

Flatwater Bank (#10639) lends in 3 counties across 1 state; Flatwater Bank (#10639) reaches 39 ZIP codes: Nebraska 3 counties, 39 ZIPs.

Flatwater Bank (#10639) largest markets: Custer County, NE (21 branches, 21 ZIPs) (#10639), Lincoln County, NE (14 branches, 14 ZIPs) (#10639), Dawson County, NE (12 branches, 12 ZIPs) (#10639).

Flatwater Bank (#10639) reports $367.7 million in total assets; Flatwater Bank (#10639) equity $29.7 million (8.1% of Flatwater Bank (#10639) assets); Flatwater Bank (#10639) domestic deposits $320.8 million; Flatwater Bank (#10639) net income $2.2 million; Flatwater Bank (#10639) return on assets 1.27%; Flatwater Bank (#10639) return on equity 15.28%; Flatwater Bank (#10639) net interest income $5.9 million; Flatwater Bank (#10639) call report June 30, 2026.

Flatwater Bank (#10639) noncurrent real-estate loans: none reported; Flatwater Bank (#10639) net charge-offs on real estate 0.69%; Flatwater Bank (#10639) residential charge-offs 1.09%.

Flatwater Bank (#10639) net interest margin 3.55% against an eight-quarter Flatwater Bank (#10639) average of 3.57% (Flatwater Bank (#10639) compression 0.02 points); Flatwater Bank (#10639) non-residential real estate 108.9% of equity; Flatwater Bank (#10639) rate-exposure score 40/100, Flatwater Bank (#10639) fixed-rate trap 40/100; Flatwater Bank (#10639) risk type credit driven; Flatwater Bank (#10639) rate regime rates elevated, Flatwater Bank (#10639) snapshot October 20, 2026.

Flatwater Bank (#10639) stress score moved from 73.7 on June 22, 2026 to 71.8 on October 20, 2026; Flatwater Bank (#10639) ranged 71.8 to 73.7 over 117 snapshots.

Flatwater Bank (#10639) alerts: 3 counties; top Flatwater Bank (#10639) alert scores: Ansley County, NE 24 (low); Brady County, NE 24 (low); Gothenburg County, NE 24 (low).