Overview / Commentary
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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Health
B+
Data as of Q4 2020
Learn why bank health mattersAdditional 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 Established | 1978 |
| Employees | 17 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.65% |
| Return on Equity - YTD | 6.3% |
| Annual Interest Income | $2.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $100.0MM$71.5MM |
| Loans | Q4 2020vs Q4 2019 | $47.0MM$44.6MM |
| Deposits | Q4 2020vs Q4 2019 | $86.2MM$62.5MM |
| Equity Capital | Q4 2020vs Q4 2019 | $9.5MM$8.7MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $176.00K$238.00K |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $801.00K$217.00K |
| Real Estate Owned | Q4 2020vs Q4 2019 | $0$102.00K |