Flora Bank & Trust
Flora, IL
IDRSSD: 777441
Total Assets
$119.83M
Latest filing
Total Deposits
$111.56M
Latest filing
Net Interest Margin
2.78%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081224724FLORA, IL
Key People
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Locations
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Main Office
Flora Bank & Trust
1478 N Worthey St
Flora, IL 62839
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 01/30/2026 |
| CERT | 22598 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $119.83M |
| Total Deposits | $111.56M |
| Total Liabilities | $111.99M |
| Total Equity Capital | $7.84M |
| Net Income | $158.00k |
| Net Loans and Leases | $62.95M |
| Assets Per Employee ($Millions) | $7.99M |
| Bank Premises and Fixed Assets | $2.46M |
| Cash and Balances due from Depository Institutions | $13.24M |
| Deposits Held in Domestic Offices | $111.56M |
Key Performance Ratios
| Return on Assets (ROA) | 0.53% |
| Return on Equity (ROE) | 8.26% |
| Net Interest Margin | 2.78% |
| Efficiency Ratio | 73.63% |
| Tier 1 Risk-Based Capital Ratio | 14.77% |
| 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 | 6.543% |
| Earning Assets to total Assets | 91.44% |
Income and Expense
| Total Interest Income | $1.35M |
| Total Noninterest Income | $178.00k |
| Total Interest Expense | $596.00k |
| Total Noninterest Expense | $687.00k |
| Net Interest Income | $755.00k |
| Pre-tax Net Operating Income | $240.00k |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $424.00k |
| Total Liabilities and Capital | $119.83M |
Securities
| Securities | $34.62M |
| Available-for-sale debt securities | $34.62M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$119.83M as of the latest filing.
How much are Flora Bank & Trust's total deposits?
$111.56M in total deposits.
Where is Flora Bank & Trust located?
Flora, IL.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
4.
When was it established?
01/19/1978.
What is the Return on Assets (ROA)?
0.53%.
How much are total loans and leases?
$62.95M (latest filing).
What is the total interest income (latest filing)?
$1.35M.