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Community Reinvestment Act Public File

Community Reinvestment Act

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

Flatwater Bank received a satisfactory CRA rating in our most recent Performance Evaluation.

The information below is current as of April 1 of each year. Due to technical reasons, some documents are not compatible with screen readers. However, if you are interested in those documents, please contact us . We are happy to assist you.

Public Comments
Flatwater Bank has not received any public comments relating to the bank's performance in helping to meet community credit needs for the current calendar year or the prior two calendar years as of April 1, 2024. Flatwater Bank may, at its discretion, periodically update this to include public comments received after the annual April 1 update.

Branch Locations and Hours of Operations

Below is a list of branches opened or closed in the following years:
List of branches opened or closed in:
• 2021 – None
• 2022 – None
• 2023 – None
• 2024 – January – March 1 - None

Assessment Areas
View a map of our CRA assessment area

Products & Services
Flatwater Bank is proud to offer an extensive line-up of products and services.  All products and service offerings are the same at all Flatwater Bank branches.

Personal Products & Services include:
Business Products and Services include:
Flatwater Bank Loan-to-deposit ratio:

Quarter Ending


Loan to Deposit Ratio

March 31, 2023




June 30, 2023




September 30, 2023




December 29, 2023