FLORA BANK & TRUST

FLORA, IL | Small | Est. Jan. 19, 1978, midnight | FDIC #22598 | RSSD #777441 | FED
Latest Report: 2025-12-31

FLORA BANK & TRUST is asn small FDIC-insured commercial bank headquartered in FLORA, IL, established in Jan. 19, 1978, midnight. As of 2025-12-31, the bank reported total assets of $120M and total deposits of $112M. Profitability stands at 0.53% ROA and 8.26% ROE, with a net interest margin of 2.76%. The bank's CET1 capital ratio is 14.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 1.24%. FDIC Certificate #22598.

Assets

$120M

Deposits

$112M

Loans

$63M

Equity

$8M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 8.26%
Net Interest Margin (NIM) 2.76%
Yield on Assets 4.93%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.24%
NPA Ratio 0.08%
ACL / Loans 0.37%

Capital & Liquidity

CET1 Ratio 14.77%
Tier 1 Capital 14.77%
Total Capital Ratio 15.11%
Leverage Ratio 9.25%
Loan-to-Deposit 56.64%

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