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Flora Bank & Trust Locations & Branches Flora, Illinois
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Flora Bank & Trust operates 2 branches from its headquarters in Flora, IL, .
Flora Bank & Trust branch network
Both branches are in ILLINOIS, across 2 cities. Its largest office by deposits is its main office in Flora, IL, with $112.1M (95.7% of its branch deposits). It had the same number of branches on June 30, 2025.
Flora Bank & Trust at a glance
Its CET1 capital ratio was 15.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $126.0M
- CET1 ratio, Q2 2026
- 15.25%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Established
- 1978
Full financial profile · Is Flora Bank & Trust safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Flora, IL (1 branch) | 1 of 4 | 44.2% | $112.1M |
| State: IL (2 branches) | 282 of 379 | <0.1% | $117.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Flora Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Clay, IL (2 branches) | 2 of 5 | 26.7% | $117.2M | $439.9M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Flora Bank & Trust (main office) | Flora, IL | 62839 | $112.1M |
| North Clay Banking Center | Louisville, IL | 62858 | $5.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 22598) · FFIEC NIC profile (RSSD 777441)