Advertisement
Flora Bank & Trust
Flora, IL · FDIC Certificate #22598 · Chartered 01/1
Total assets
$125.99M
Total deposits
$117.22M
Total equity
$8.06M
Net loans
$62.11M
Branches (offices)
2
Net income (YTD)
$569.00K
Rank: #3,483 of 4,213 U.S. banks by assets · #246 of 322 in Illinois. Assets changed 7.1% and deposits 6.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 14.38% |
| Net interest margin (YTD) | 2.95% |
| Equity to assets | 6.40% |
| Tier 1 leverage ratio | 8.94% |
| Uninsured deposits (share of deposits) | 33.3% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 53.0% |
| Real estate loans (share of loans) | 53.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.16M | 53.4% | |
| Commercial & industrial | $10.96M | 17.7% | |
| Consumer / individual | $15.32M | 24.7% | |
| Construction & development | $3.74M | 6.0% | |
| Agricultural | $1.76M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $107.72M | $102.68M | $369.00K | $4.79M |
| Jun 2023 | $111.55M | $105.00M | $453.00K | $5.95M |
| Jun 2024 | $115.64M | $108.97M | $24.00K | $6.18M |
| Jun 2025 | $117.63M | $110.62M | $252.00K | $6.42M |
| Jun 2026 | $125.99M | $117.22M | $569.00K | $8.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $117.22M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $117.22M.
Similar-sized banks
Cedar Valley Bank & Trust ($126.25M) · First State Bank ($125.92M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement