Flora Bank & Trust (IL)


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

Flora Bank & Trust (IL) is headquartered in Flora and is the 308th largest bank in the state of Illinois. It is also the 4,187th largest bank in the nation. It was established in 1978 and as of June of 2020, it had grown to 18 employees at 4 locations. Flora Bank & Trust (IL) has a B health rating.

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Health
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
Employees18
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD6.23%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$89.3MM$70.0MM
LoansQ2 2020vs Q2 2019$49.1MM$46.1MM
DepositsQ2 2020vs Q2 2019$75.9MM$61.1MM
Equity CapitalQ2 2020vs Q2 2019$9.0MM$8.5MM
Loan Loss AllowanceQ2 2020vs Q2 2019$172.00K$203.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.1MM$43.00K
Real Estate OwnedQ2 2020vs Q2 2019$86.00K$102.00K
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% $2.5k - $10k | 0.18% $10k - $25k | 0.20% $25k - $50k

Flora Bank & Trust (IL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*-$20kFirst Reward Checking
OTHER TIERS: 0.18% $20k+
Locations


Flora Bank & Trust (IL) Locations
Flora Bank & Trust1478 N. Worthey StFlora, IL 62839
North Clay Banking Center330 North Rt 45Louisville, IL 62858

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