Overview / Commentary
Flora Bank & Trust (IL) is headquartered in Flora and is the 365th largest bank in the state of Illinois. It is also the 4,892nd largest bank in the nation. It was established in 1978 and as of June of 2017, it had grown to 23 employees at 4 locations. Flora Bank & Trust (IL) has a B+ health rating.
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Health
B+
Data as of Q2 2017
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 | 23 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.65% |
| Return on Equity - YTD | 5.61% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $68.3MM$66.8MM |
| Loans | Q2 2017vs Q2 2016 | $45.9MM$42.9MM |
| Deposits | Q2 2017vs Q2 2016 | $60.1MM$59.0MM |
| Equity Capital | Q2 2017vs Q2 2016 | $8.0MM$7.6MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $243.00K$292.00K |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $256.00K$250.00K |
| Real Estate Owned | Q2 2017vs Q2 2016 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.01%* | - | $20k | First Reward Checking | ||
| OTHER TIERS: 0.30% → $20k+ | |||||
Locations
| Flora Bank & Trust (IL) Locations | ||
|---|---|---|
| Flora Bank & Trust | 1010 West North Avenue | Flora, IL 62839 |
| North Clay Banking Center | 330 North Rt 45 | Louisville, IL 62858 |
| Worthey Street Branch | 1478 North Worthey Street | Flora, IL 62839 |