Flatwater Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $347M | $311M | $253M | $29M | $902K | 1.05% | 12.37% | 3.29% | 2.38% |
| Q4 2025 | $342M | $295M | $257M | $29M | $534K | 1.49% | 17.59% | 3.83% | 1.49% |
| Q3 2025 | $334M | $278M | $258M | $29M | $1M | 1.79% | 21.24% | 3.84% | 0.04% |
| Q2 2025 | $321M | $265M | $245M | $27M | $2M | 1.82% | 21.72% | 3.76% | 0.05% |
| Q1 2025 | $300M | $271M | $224M | $26M | $1M | 1.71% | 20.67% | 3.62% | 0.37% |
| Q4 2024 | $304M | $264M | $228M | $24M | $226K | 1.38% | 17.22% | 3.39% | 0.14% |
| Q3 2024 | $307M | $264M | $227M | $26M | $1M | 1.75% | 21.77% | 3.32% | 0.08% |
| Q2 2024 | $294M | $264M | $214M | $24M | $2M | 1.94% | 24.67% | 3.23% | 0.07% |
| Q1 2024 | $285M | $255M | $204M | $22M | $733K | 1.03% | 13.21% | 3.09% | 0.03% |
| Q4 2023 | $287M | $231M | $205M | $22M | $800K | 1.50% | 17.94% | 3.77% | 0.13% |
| Q3 2023 | $258M | $203M | $191M | $20M | $868K | 1.63% | 19.13% | 3.92% | 0.05% |
| Q2 2023 | $239M | $194M | $169M | $21M | $1M | 1.77% | 19.96% | 3.97% | 0.19% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.