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Overview / Commentary
1010 West North Avenue
Flora, IL 62839

Flora Bank & Trust (IL) is headquartered in Flora and is the 369th largest bank in the state of Illinois. It is also the 4,932nd largest bank in the nation. It was established in 1978 and as of March of 2017, it had grown to 23 employees at 4 locations. Flora Bank & Trust (IL) has an A 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 - YTD0.61%
Return on Equity - YTD5.28%
Annual Interest Income$601.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$68.7MM$64.8MM
LoansQ1 2017vs Q1 2016$45.3MM$41.6MM
DepositsQ1 2017vs Q1 2016$60.7MM$56.2MM
Equity CapitalQ1 2017vs Q1 2016$7.8MM$7.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$271.00K$290.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$106.00K$249.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
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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

0.25%*$50k*-Liberty Investment Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.18% $10k - $25k | 0.20% $25k - $50k

Flora Bank & Trust (IL) Checking Account Rates

2.01%*-$20kFirst Reward Checking
OTHER TIERS: 0.30% $20k+

Flora Bank & Trust (IL) Locations
Flora Bank & Trust1010 West North AvenueFlora, IL 62839
North Clay Banking Center330 North Rt 45Louisville, IL 62858
Worthey Street Branch1478 North Worthey StreetFlora, IL 62839