Flat Branch Bank is a bank based in Richmond, Missouri, established in 1940, with $93 million in total assets across 2 branches. By Trust Grade it ranks 192nd of 195 banks we track in Missouri. Its capital ratio of 14.2% is stronger than 67% of similarly sized banks, versus a Missouri median of 10.3%. It posted a loss over the most recent period (-2.53% return on assets), a point to watch. No consumer complaints against Flat Branch Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Flat Branch Bank compares to Missouri peers
How we graded Flat Branch Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.2% capital ratio)
- Unprofitable over the period (ROA -2.53%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Flat Branch Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 803 Wollard Blvd, Richmond, MO 64085
- 15 S 5th St, Columbia, MO 65201
Are deposits at Flat Branch Bank insured?
Yes. Flat Branch Bank is an FDIC-insured bank (FDIC certificate #15751). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Flat Branch Bank: frequently asked questions
Is Flat Branch Bank a good bank?
Flat Branch Bank earns a Bankzia Trust Grade of C (73/100, "Average"), based on a financial-strength score of 73/100 (it has no CFPB complaints on record). Strongly capitalized (14.2% capital ratio); Unprofitable over the period (ROA -2.53%).
Is Flat Branch Bank FDIC-insured?
Yes. Flat Branch Bank is a FDIC-insured bank (FDIC certificate #15751). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Flat Branch Bank?
Flat Branch Bank holds $93 million in total assets, ranking 192nd of 195 banks we track in Missouri. It operates 2 branches.
Does Flat Branch Bank have CFPB complaints?
No CFPB complaints against Flat Branch Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
