Flora Bank & Trust (IL)

Overview / Commentary
1010 West North Avenue
Flora, IL 62839

Flora Bank & Trust (IL) is headquartered in Flora and is the 303rd largest bank in the state of Illinois. It is also the 4,105th largest bank in the nation. It was established in 1978 and as of September of 2020, it had grown to 18 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 - YTD0.72%
Return on Equity - YTD6.71%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$95.4MM$69.3MM
LoansQ3 2020vs Q3 2019$51.0MM$45.3MM
DepositsQ3 2020vs Q3 2019$81.8MM$60.4MM
Equity CapitalQ3 2020vs Q3 2019$9.2MM$8.6MM
Loan Loss AllowanceQ3 2020vs Q3 2019$179.00K$203.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$859.00K$110.00K
Real Estate OwnedQ3 2020vs Q3 2019$86.00K$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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