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Overview / Commentary
618-662-4441
1010 West North Avenue
Flora, IL 62839

Flora Bank & Trust (IL) is headquartered in Flora and is the 359th largest bank in the state of Illinois. It is also the 4,805th largest bank in the nation. It was established in 1978 and as of December of 2017, it had grown to 23 employees at 5 locations. Flora Bank & Trust (IL) has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Flora Bank & Trust (IL) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #22598
Year Established1978
Employees23
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.08%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$68.9MM$66.5MM
LoansQ4 2017vs Q4 2016$45.1MM$45.1MM
DepositsQ4 2017vs Q4 2016$60.7MM$58.6MM
Equity CapitalQ4 2017vs Q4 2016$8.1MM$7.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$241.00K$291.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$342.00K$166.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Flora Bank & Trust (IL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Liberty Investment Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.18% $10k - $25k | 0.20% $25k - $50k

Flora Bank & Trust (IL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*-$20kFirst Reward Checking
OTHER TIERS: 0.30% $20k+
Locations


Flora Bank & Trust (IL) Locations
Flora Bank & Trust1010 West North AvenueFlora, IL 62839
North Clay Banking Center330 North Rt 45Louisville, IL 62858
Worthey Street Branch1478 North Worthey StreetFlora, IL 62839

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