Flat Branch Bank
Richmond, Missouri, Ray County
$93M in total assets, the 3,786th largest of 4,309 US banks and 183rd of 195 headquartered in Missouri.
- FDIC certificate
- 15751
- Established
- 1940
- Owned by
- State Holding Inc
- Primary regulator
- FDIC
- Website
- www.flatbranchbank.com
At a glance
Compared with 17 banks headquartered in Missouri with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $93M | 71% | $78M | |
| Loans | $58M | 76% | $52M | |
| Deposits | $79M | 71% | $70M | |
| Return on assets | -0.36% | 2% | 1.18% | |
| Net interest margin | 4.74% | 75% | 4.07% | |
| Efficiency ratio | 115.6% | 94% | 59.9% | |
| Equity to assets | 14.47% | 76% | 12.15% | |
| Loans to deposits | 74% | 62% | 71% |
Growth
Total assets grew 17.1% a year over the last 5 years and 10.4% a year over 10 years, without acquisitions.
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Boone County, MO | $42M | 0.7% | 16 of 23 |
| Ray County, MO | $38M | 11.4% | 4 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (1 to 2, +100.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2025 | Opened Columbia | 1 | 0 | +1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 52% | 43% | |
| Business (C&I) | 17% | 11% | |
| Construction and land | 16% | 6% | |
| Commercial real estate | 10% | 16% | |
| Farmland | 3% | 11% | |
| Consumer | 2% | 7% | |
| Agricultural | 1% | 4% | |
| Multifamily | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 78% | 43% | |
| Noninterest-bearing | 17% | 23% | |
| Time deposits | 5% | 35% |
Brokered deposits are 0.0% of deposits (peers 4.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.51% |
| Net charge-offs, annualized | 0.00% | 0.01% |
| Reserves to loans | 1.27% | 1.26% |
| Leverage ratio | 12.58% | 12.39% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Boone County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/flat-branch