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Overview / Commentary
1010 West North Avenue
Flora, IL 62839

Flora Bank & Trust (IL) is headquartered in Flora and is the 378th largest bank in the state of Illinois. It is also the 5,078th largest bank in the nation. It was established in 1978 and as of June of 2016, it had grown to 23 employees at 4 locations. Flora Bank & Trust (IL) has a B health rating.

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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

FDIC Certificate #22598
Year Established1978
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD4.25%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$66.8MM$71.6MM
LoansQ2 2016vs Q2 2015$42.9MM$39.6MM
DepositsQ2 2016vs Q2 2015$59.0MM$64.2MM
Equity CapitalQ2 2016vs Q2 2015$7.6MM$7.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$292.00K$292.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$250.00K$131.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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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

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

1.76%*-$20kFirst Reward Checking
OTHER TIERS: 0.15% $20k+

Flora Bank & Trust (IL) Locations
Flora Bank & Trust1010 West North AvenueFlora, IL 62839
North Clay Banking Center330 North Rt 45Louisville, IL 62858
West North Avenue Branch131 West North AvenueFlora, IL 62839
Stacy Burk Branch911 Stacy Burk DriveFlora, IL 62839