Flat Branch Bank is a state-chartered bank headquartered in Richmond, Missouri, in business for about 86 years. At the end of Q2 2026 it reported $92.8M in total assets and $79.2M in deposits, with 2 offices.
Flat Branch Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 100th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (0/100, -0.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 14 points (57 → 71), mostly because the capital cushion component improved by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 63 |
| Q4 2024 | 65 |
| Q1 2025 | 64 |
| Q2 2025 | 57 |
| Q3 2025 | 57 |
| Q4 2025 | 75 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 8.56% |
| Q4 2024 | 9.26% |
| Q1 2025 | 9.07% |
| Q2 2025 | 8.30% |
| Q3 2025 | 8.10% |
| Q4 2025 | 12.95% |
| Q1 2026 | 11.97% |
| Q2 2026 | 12.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.08% |
| Q2 2025 | -0.22% |
| Q3 2025 | -0.13% |
| Q4 2025 | 0.01% |
| Q1 2026 | -2.53% |
| Q2 2026 | -0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $92.8M | 12.58% | 0.00% | -0.96% | 72.6% |
| Q1 2026 | 70 | $93.3M | 11.97% | 0.00% | -2.53% | 67.9% |
| Q4 2025 | 75 | $95.8M | 12.95% | 0.18% | 0.01% | 58.8% |
| Q3 2025 | 57 | $93.1M | 8.10% | 0.34% | -0.13% | 48.4% |
| Q2 2025 | 57 | $94.1M | 8.30% | 0.26% | -0.22% | 43.9% |
| Q1 2025 | 64 | $88.7M | 9.07% | 0.05% | 0.08% | 39.2% |
| Q4 2024 | 65 | $85.5M | 9.26% | 0.39% | 0.46% | 33.9% |
| Q3 2024 | 63 | $76.9M | 8.56% | 0.45% | 0.56% | 28.3% |
| Q2 2024 | 69 | $63.4M | 11.39% | 0.43% | 0.26% | 24.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Bank of MissouriBank Richmond, MO | 74 out of 100, Strong | $94.1M | 13.9% | 1.98% | vs |
| United Security BankBank Fulton, MO | 85 out of 100, Very strong | $97.2M | 13.4% | 0.00% | vs |
| Silex Banking CompanyBank Silex, MO | 81 out of 100, Strong | $98.2M | 14.7% | 0.91% | vs |
| Investors Community BankBank Chillicothe, MO | 68 out of 100, Moderate | $98.5M | 11.1% | 0.62% | vs |
| Paramount BankBank Hazelwood, MO | 55 out of 100, Moderate | $86.6M | 10.9% | 0.55% | vs |
| Peoples Bank of Moniteau CountyBank Jamestown, MO | 75 out of 100, Strong | $83.2M | 11.1% | 0.72% | vs |
Deposit insurance
Is my money safe at Flat Branch Bank?
Yes. Flat Branch Bank is an FDIC-insured institution (FDIC certificate #15751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.7% of deposits ($14.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Flat Branch Bank lists 2 offices in 2 cities. Most locations:
- Columbia, MO (1)
- Richmond, MO (1)
Identity & history
Profile
- Legal name
- Flat Branch Bank
- Former names
- Ray County Bank; The State Bank; Hardin State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15751
- RSSD ID
- 786256
- Primary regulator
- FDIC
- Holding company
- State Holding Inc
- Established
- July 1, 1940
- Headquarters
- 803 Wollard Blvd, Richmond, MO 64085
- Website
- www.flatbranchbank.com
- Employees
- 16
Quick answers
Flat Branch Bank: common questions
Is Flat Branch Bank FDIC insured?
Yes. Flat Branch Bank is an FDIC-insured institution (FDIC certificate #15751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Flat Branch Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Flat Branch Bank ever failed?
There is no failure record for FDIC certificate #15751 in the FDIC failed bank list.
How many branches does Flat Branch Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richmond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Grain ValleyBank Grain Valley, MO | 95 out of 100, Very strong | $110.6M | 24.0% | 0.00% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO | 81 out of 100, Strong | $131.4M | 14.5% | 0.73% | vs |
| Concordia Bank of Concordia, MissouriBank Concordia, MO | 80 out of 100, Strong | $130.0M | 11.9% | 0.32% | vs |
| Bank 21Bank Carrollton, MO | 79 out of 100, Strong | $202.1M | 11.5% | 0.05% | vs |
| Public Safety Credit UnionCredit union Kansas City, MO | 78 out of 100, Strong | $191.4M | 12.7% | 0.39% | vs |