Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
74th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 16, 2026
Call-report figures are for Flatwater Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Flatwater Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (74th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $130K in Q2 2026, 18% below the same quarter a year earlier ($159K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Flatwater Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $130K | −$8K | −5.8% |
| Q1 2026 | $138K | +$15K | +12.2% |
| Q4 2025 | $123K | −$53K | −30.1% |
| Q3 2025 | $176K | +$17K | +10.7% |
| Q2 2025 | $159K | +$12K | +8.2% |
| Q1 2025 | $147K | +$5K | +3.5% |
| Q4 2024 | $142K | −$8K | −5.3% |
| Q3 2024 | $150K | +$19K | +14.5% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Flatwater Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Flatwater Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Maintenance fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10 | per month | None |
| Quarterly maintenance fee (average collected balance falls below $10.00) (audience not stated, treated as personal) | $9Not compared: Quarterly charge, not monthly | per quarter | None |
| Paper Statement (audience not stated, treated as personal) | $2 | Not stated | None |
| Statement fee (online statements not set up) (audience not stated, treated as personal) | $2 | per month | None |
ATM & CardUnder review | |||
| Foreign ATM Fees (audience not stated, treated as personal) | No charge | Not stated | None |
| Foreign ATM Fees (Essential Checking) (audience not stated, treated as personal) | No charge | per transaction | None |
| Foreign ATM Fees: 3 (audience not stated, treated as personal) | No charge | Not stated | None |
Other feesUnder review | |||
| 1 Online statements are required and must be setup within 60 days of account opening. Failure to setup online statements (audience not stated, treated as personal) | $2 | Not stated | None |
| 2 Online statements are required and must be setup within 60 days of account opening. Failure to setup online statements (audience not stated, treated as personal) | $2 | Not stated | None |
| 3 When your HighYield Checking qualifications are not met, the interest rate earned on the account's entire daily balanc (audience not stated, treated as personal) | Not stated | per year | None |
| 3 You will receive reimbursements up to an aggregate total of (audience not stated, treated as personal) | $25 | per month | None |
| 4 You will receive reimbursements up to an aggregate total of (audience not stated, treated as personal) | $25 | per month | None |
| Foreign ATM Fees (audience not stated, treated as personal) | No charge | Not stated | None |
| Foreign ATM Fees: 3 (audience not stated, treated as personal) | No charge | Not stated | None |
| Foreign ATM Service Charge Rebate (audience not stated, treated as personal) | $5 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Flatwater Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $320.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $320.8M |
Largest competitors nearby
Local market: Dawson, Custer and Lincoln counties, NE, where it holds the most deposits.
| 27 in its local market | Deposit share |
|---|---|
| Dayspring Bank | 18.3% |
| Nebraskaland Bank | 12.7% |
| First National Bank of Omaha | 8.1% |
| Nebraska State Bank and Trust Company | 6.5% |
| Pinnacle Bank | 5.9% |
This bank holds 8.9% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows