Flora Bank & Trust (IL)

Overview / Commentary
131 West North Avenue
Flora, IL 62839

Flora Bank & Trust (IL) is headquartered in Flora and is the 294th largest bank in the state of Illinois. It is also the 4,059th largest bank in the nation. It was established in 1978 and as of December of 2020, it had grown to 17 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 - YTD0.65%
Return on Equity - YTD6.3%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$100.0MM$71.5MM
LoansQ4 2020vs Q4 2019$47.0MM$44.6MM
DepositsQ4 2020vs Q4 2019$86.2MM$62.5MM
Equity CapitalQ4 2020vs Q4 2019$9.5MM$8.7MM
Loan Loss AllowanceQ4 2020vs Q4 2019$176.00K$238.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$801.00K$217.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$102.00K
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Flora Bank & Trust (IL) Money Market Rates

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

1.01%*-$20kFirst Reward Checking
OTHER TIERS: 0.18% $20k+

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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