Is Flat Branch Bank Safe?
Flat Branch Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (31/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 40.02% | 100/100 |
| Nonperforming Loan Ratio | 0.43% | 91/100 |
| Liquidity Ratio | 72.92% | 100/100 |
| Return on Assets | 0.28% | 31/100 |
| Total Assets | $0.1B | |
How does Flat Branch Bank compare?
With a Bank Health Score of 91/100, Flat Branch Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Missouri, where 193 FDIC-insured banks are headquartered, Flat Branch Bank ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 40.02% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.43% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Flat Branch Bank's Bank Health Score fell by 2.0 points to 91/100. Tier 1 capital strengthened by 12.09 percentage points to 40.02%. Quarter-over-quarter, the score rose by 4.0 points.
Flat Branch Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (31/100).