Flora Bank & Trust
Flora, IL
IDRSSD: 777441
Total Assets
$118.35M
Latest filing
Total Deposits
$110.22M
Latest filing
Net Interest Margin
2.49%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Flora Bank & Trust
1478 N Worthey St
Flora, IL 62839
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/19/1978FDIC Certificate 15761
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Flora Bank & Trust (Main) | 1478 N Worthey St | Flora, IL |
| STACY BURK BRANCH | 911 Stacey Burk Dr | Flora, IL |
| WEST NORTH AVENUE BRANCH | 131 W North Ave | Flora, IL |
| NORTH CLAY BANKING CENTER | 330 Route 45 N | Louisville, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/19/1978 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62839 |
| State and County Number | 17025 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/19/1978 |
| Primary Insurance Agency | DIF |
| Website | www.fbandtbank.com |
| Data Updated | 11/14/2025 |
| CERT | 22598 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $118.35M |
| Total Deposits | $110.22M |
| Total Liabilities | $110.89M |
| Total Equity Capital | $7.46M |
| Net Income | $180.00k |
| Net Loans and Leases | $58.23M |
| Assets Per Employee ($Millions) | $7.89M |
| Bank Premises and Fixed Assets | $2.49M |
| Cash and Balances due from Depository Institutions | $15.98M |
| Deposits Held in Domestic Offices | $110.22M |
Key Performance Ratios
| Return on Assets (ROA) | 0.61% |
| Return on Equity (ROE) | 10.38% |
| Net Interest Margin | 2.49% |
| Efficiency Ratio | 72.68% |
| Tier 1 Risk-Based Capital Ratio | 15.361% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.303% |
| Earning Assets to total Assets | 91.08% |
Income and Expense
| Total Interest Income | $1.31M |
| Total Noninterest Income | $185.00k |
| Total Interest Expense | $638.00k |
| Total Noninterest Expense | $620.00k |
| Net Interest Income | $668.00k |
| Pre-tax Net Operating Income | $227.00k |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $667.00k |
| Total Liabilities and Capital | $118.35M |
Securities
| Securities | $35.06M |
| Available-for-sale debt securities | $35.06M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Flora Bank & Trust?
$118.35M as of the latest filing.
How much are Flora Bank & Trust's total deposits?
$110.22M in total deposits.
Where is Flora Bank & Trust located?
Flora, IL.
What is the Net Interest Margin?
2.49%.
How many domestic offices does it operate?
4.
When was it established?
01/19/1978.
What is the Return on Assets (ROA)?
0.61%.
How much are total loans and leases?
$58.23M (latest filing).
What is the total interest income (latest filing)?
$1.31M.