Bank · FDIC insured
Flatwater Bank
A $367.7M bank headquartered in Gothenburg, NE, with 3 branches in Nebraska. Best rates: CDs 3.65% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.65%CD rates →
- Savings700.05%2.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Flatwater Bank
Founded in 1902 to help finance local farmers, Flatwater Bank is a family-owned community bank.
Originally known as Gothenburg National Bank, it became Gothenburg State Bank in 1915 and purchased its Brady Branch in 1999.
In 2018, the bank acquired Security State Bank in Ansley, Nebraska, before renaming to Flatwater Bank in 2019.
- Headquarters
- 900 Lake Ave, Gothenburg, NE 69138
- FDIC certificate
- 10639 ↗
Branches
3 branches in Nebraska
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Nebraska
3 branches
Lexington area · 1
- Flatwater BankMain office900 Lake Ave, Gothenburg, NE 69138Directions
Ansley area · 1
- Ansley Branch624 Main St, Ansley, NE 68814Directions
North Platte area · 1
- Brady Branch120 N Main St, Brady, NE 69123Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.38% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.76% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.27% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio9.38%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.76%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Flatwater Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.