Flora Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flora Bank & Trust of Flora, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.34% | -0.35% | 32nd below |
| ROAE | 15.70% | 13.31% | +2.39% | 70th above |
| Net Interest Margin | 2.88% | 3.93% | -1.05% | 8th bottom |
| Efficiency Ratio | 59.57% | 61.14% | -1.57% | 56th above |
| PPNR / Avg Assets | 1.31% | 1.68% | -0.37% | 34th below |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 15th bottom |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 43rd below |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.94% | -0.51% | 48th below |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 0.37% | 1.28% | -0.91% | 1st bottom |
| ACL / NPLs (Coverage) | 85.93% | 1538.87% | -1452.94% | 23rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.16% | 7.33% | -3.17% | 46th below |
| Provision / NCO | 85.71% | 1395.73% | -1310.02% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.25% | 19.50% | -4.25% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.25% | 19.54% | -4.29% | 51st above |
| Total Capital Ratio | 15.58% | 20.62% | -5.04% | 43rd below |
| Leverage Ratio | 8.94% | 12.14% | -3.20% | 12th bottom |
| Equity / Assets | 6.40% | 11.37% | -4.97% | 4th bottom |
| TCE / Tangible Assets | 6.40% | 11.09% | -4.69% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.18% | 80.64% | -27.46% | 89th top |
| Core Deposit Ratio | 95.53% | 86.86% | +8.67% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.11% | 6.85% | +0.26% | 69th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.24% | 7.90% | -0.66% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.97% | 6.29% | -0.32% | 64th above |
See Flora Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flora Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Flora Bank & Trust profile, how to read a UBPR, or how this data updates.