Flora Bank & Trust (IL)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 257^th largest bank in the state of Illinois. It is also the 3,679^th largest bank in the nation. It was established in 1978 and as of March of 2025, it had grown to 15 employees at 4 locations. Flora Bank & Trust (IL) has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	22598
Year Established	1978
Employees	15
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.38%
Return on Equity - YTD	7.05%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$115.4MM$111.7MM
Loans	Q1 2025vs Q1 2024	$58.9MM$54.8MM
Deposits	Q1 2025vs Q1 2024	$108.6MM$104.9MM
Equity Capital	Q1 2025vs Q1 2024	$6.4MM$6.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$227K$203K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$77K$82K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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