FLORA BANK & TRUST
FLORA BANK & TRUST is an FDIC-insured commercial bank headquartered in FLORA, IL, established in 1978. As of , 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 2.67%. CET1 capital ratio: 14.77%, well above regulatory minimums. NPL ratio: 0.46% · Texas Ratio: 3.57%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Flora Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.77% | 0.53% | 0.46% | 3.57% | 2.67% |
| 2025-09-30 | 15.36% | 0.61% | 0.25% | 1.91% | 2.35% |
| 2025-06-30 | 15.08% | 0.48% | 0.22% | 1.88% | 2.26% |
| 2025-03-31 | 14.81% | 0.38% | 0.46% | 4.12% | 2.18% |
| 2024-12-31 | 14.07% | 0.27% | 0.36% | 3.48% | 1.88% |
| 2024-09-30 | 14.38% | 0.11% | 0.46% | 3.90% | 1.72% |
| 2024-06-30 | 14.99% | 0.07% | 0.48% | 4.26% | 1.75% |
| 2024-03-31 | 15.40% | 0.01% | 0.23% | 1.97% | 1.66% |
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Frequently asked about FLORA BANK & TRUST
What are Flora Bank & Trust's total assets?
As of the Q4 2025 filing, Flora Bank & Trust reported total assets of $119.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Flora Bank & Trust headquartered?
Flora Bank & Trust is headquartered in FLORA, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Flora Bank & Trust founded?
Flora Bank & Trust was established in 1978, per the FDIC institution directory.
Is Flora Bank & Trust FDIC-insured?
Yes. Flora Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #22598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Flora Bank & Trust?
Flora Bank & Trust's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Flora Bank & Trust's CET1 capital ratio?
Flora Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 14.77% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Flora Bank & Trust operate?
Flora Bank & Trust operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Flora Bank & Trust's Texas Ratio?
Flora Bank & Trust's Texas Ratio is 3.57% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.