Flora Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Flora Bank & Trust is an FDIC-insured commercial bank headquartered in Flora, IL, established in 1978 (FDIC certificate 22598), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $126.0M, up 7.1% from Q2 2025, the 244th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22598
- Headquarters
- Flora, IL
- Established
- 1978
- Total assets, Q2 2026
- $126.0M
- Assets vs Q2 2025
- +7.1%
- CET1 ratio, Q2 2026
- 15.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081224724
- Holding company
- CLAY BANCSHARES, INC
- Asset rank in state
- 244th of 319 in Illinois
Flora Bank & Trust, based in Flora, Illinois, reported $126 million in assets at June 30, 2026, up 7.1% from a year earlier. It keeps 2.88 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 8.94% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $312,000, 121% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.6 million equal 40% of Tier 1 capital, down from 56% a year earlier.
As of June 30, 2026, Flora Bank & Trust reported a CET1 capital ratio of 15.25%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.95%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Flora Bank & Trust is the 244th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $126.0M, loans fell 3.1% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.4% of total loans, followed by other consumer loans at 21.0%. The FDIC Summary of Deposits lists 2 offices for it, in Flora, IL and Louisville, IL; its Flora office books 96% of its branch deposits. Judged on its Q2 2026 call report, Flora Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1478 N Worthey St, Flora, IL 62839
- County
- Clay
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 19, 1978
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $117.2M
- Allowance for credit losses
- $232K
- Net charge-offs (YTD)
- $14K
- Average total assets
- $126.7M
- Average total loans
- $62.7M
- Average interest-bearing deposits
- $103.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 19, 1978
- FDIC Cert
- 22598
- Fed RSSD
- 777441
- Website
- www.fbandt.bank →
- Parent Holding Company
- CLAY BANCSHARES, INC (RSSD 2186186)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Flora Bank & Trust's total assets ran between $107.3M (Q3 2023) and $126.0M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$126.0M total assets against $117.6M; $117.9M total liabilities against $111.2M.
$62.1M net loans and leases against $57.9M; $117.2M total deposits against $110.6M.
$34.9M securities against $34.6M; $19.7M cash and balances due against $15.8M.
$1.4M total interest income against $1.3M; $561K total interest expense against $643K.
$856K net interest income against $631K.
$191K total noninterest income against $163K; $633K total noninterest expense against $610K.
$6K provision for credit losses against $6K.
$312K net income against $141K.
0.99% return on assets against 0.48%; 2.88% net interest margin against 2.31%.
15.25% CET1 capital ratio against 15.08%; 8.94% tier 1 leverage ratio against 9.15%.
Inside the full Flora Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFlora Bank & Trust rankings
Its closest position to the top of a national ranking is 834 of 2,134, for CET1 ratio; its furthest is 3,470 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 0.99% (Q2 2026) and its net interest margin ran from 1.74% (Q3 2024) to 2.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.25% | 0.99% | 0.23% | 1.95% | 2.88% |
| Q1 2026 | 14.45% | 0.84% | 0.22% | 1.78% | 2.83% |
| Q4 2025 | 14.77% | 0.53% | 0.16% | 1.28% | 2.72% |
| Q3 2025 | 15.36% | 0.61% | 0.23% | 1.76% | 2.41% |
| Q2 2025 | 15.08% | 0.48% | 0.17% | 1.49% | 2.31% |
| Q1 2025 | 14.81% | 0.38% | 0.13% | 1.16% | 2.23% |
| Q4 2024 | 14.07% | 0.27% | 0.12% | 1.20% | 1.96% |
| Q3 2024 | 14.38% | 0.11% | 0.13% | 1.11% | 1.74% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Flora Bank & Trust (main office) | Flora , IL | 62839 | $112.1M |
| North Clay Banking Center | Louisville , IL | 62858 | $5.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 282 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $340K approved, $340K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Flora Bank & Trust
What are Flora Bank & Trust's total assets?
As of the Q2 2026 filing, Flora Bank & Trust reported total assets of $126.0 million in its FFIEC call report.
Where is Flora Bank & Trust headquartered?
It is headquartered in Flora, IL, United States.
When was Flora Bank & Trust founded?
It was established in 1978, per the FDIC institution directory.
Is Flora Bank & Trust FDIC-insured?
Yes. It 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 Federal Reserve.
What is Flora Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Flora Bank & Trust operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Flora Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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