BlastPoint's Banking Scorecard
Flatwater Bank
Gothenburg, NE
3 branches across NE
Flatwater Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.53% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.7% in tier
- - Delinquency Rate 1.53% above tier average
- - Nonperforming Asset Ratio 1.12% above tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$346.6M
+15.7% YoY
+1.4% QoQ
|
-$39.4M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$252.9M
+12.8% YoY
-1.6% QoQ
|
-$2.8M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$310.9M
+14.9% YoY
+5.4% QoQ
|
-$17.0M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.05%
-38.7% YoY
-29.7% QoQ
|
-0.22% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.29%
-9.1% YoY
-14.0% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
58.76%
+7.5% YoY
+7.1% QoQ
|
-6.53% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
2.41%
+547.5% YoY
+59.6% QoQ
|
+1.53% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.9% in tier |
| Loan-to-Deposit Ratio ? |
81.34%
-1.9% YoY
-6.6% QoQ
|
+4.70% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
10.63%
-7.1% YoY
+1.6% QoQ
|
-11.39% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.0% in tier |
| Nonperforming Asset Ratio ? |
1.76%
+531.3% YoY
+54.8% QoQ
|
+1.12% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.5% in tier |
| Tier 1 Capital Ratio ? |
9.22%
-7.5% YoY
-2.9% QoQ
|
-6.61% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.8% in tier |
| Non-Interest Income / Assets ? |
0.19%
-8.0% YoY
-74.8% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
83% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.