Flora Bank & Trust (IL)

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fbandtbank.com

618-662-4441

1478 N. Worthey St
Flora, IL 62839

Flora Bank & Trust (IL) is headquartered in FLORA and is the 261^st largest bank in the state of Illinois. It is also the 3,673^rd largest bank in the nation. It was established in 1978 and as of December of 2024, it had grown to 16 employees at 4 locations. Flora Bank & Trust (IL) has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	22598
Year Established	1978
Employees	16
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.12%
Return on Equity - YTD	2.12%
Annual Interest Income	$4.8MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$117.7MM$115.6MM
Loans	Q4 2024vs Q4 2023	$62.2MM$55.9MM
Deposits	Q4 2024vs Q4 2023	$111.1MM$108.6MM
Equity Capital	Q4 2024vs Q4 2023	$6.2MM$6.6MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$210K$193K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$77K$122K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking

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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) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.03%^*	$0	$20k	First Reward Checking
OTHER TIERS: 0.35% → $20k+

Locations

Flora Bank & Trust (IL) Locations
Flora Bank & Trust	1478 N Worthey St	Flora, IL 62839
North Clay Banking Center	330 North Rt 45	Louisville, IL 62858

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