Flatwater Bank
Gothenburg, NE · Owner: Williams Financial Corp
$368M
total assets, June 30, 2026
$368M
total assets, June 30, 2026
Flatwater Bank is a state nonmember bank based in Gothenburg, NE, owned by Williams Financial Corp. As of June 30, 2026 it held $367.7 million in assets and $320.8 million in deposits; assets were up 14.5% from a year before. It has 3 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$368M
+14.5% in a year · +6.1% in a quarter
Deposits
$321M
+21.0% in a year · +3.2% in a quarter
Loans
$276M
+10.9% in a year · +7.5% in a quarter
Profit so far
$2.2M
Jan 1 to Jun 30, 2026 · -19.9% in a year
Capital ratio
9.38%
-0.77 pts in a year
Return on assets
1.27%
-0.54 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 900 Lake Ave, Gothenburg, NE, 69138
- County
- Dawson
- Holding company
- Williams Financial Corp
- Established
- May 1, 1902
- Employees
- 39
- Branches
- 3
- Website
- www.flatwater.bank
- Id
- b10639
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
3 offices as of June 30, 2026, holding $320.8 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Nebraska | 3 | $321M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Flatwater Bank (main office) | Gothenburg, NE | $288M |
| Ansley Branch | Ansley, NE | $16.8M |
| Brady Branch | Brady, NE | $16.1M |
Related pages
Questions and answers
How big is Flatwater Bank?
$367.7 million in total assets and $320.8 million in deposits as of June 30, 2026, with assets up 14.5% from a year before. Its loans were $275.6 million.
How many branches does Flatwater Bank have?
3 branches in Nebraska as of June 30, 2026.
Is Flatwater Bank profitable?
Yes: it earned $2.24 million from January 1 to June 30, 2026 (down 19.9% from the same months a year before). Its return on assets was 1.27% a year; about 1% is typical.
Who owns Flatwater Bank?
Flatwater Bank is owned by Williams Financial Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.