Flora Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 66.94 percentage points in Q2 2026, from 152.87% to 85.93%. It was the largest change from Q1 2026 among the key lines here. Flora Bank & Trust ranks 206th of 323 Illinois banks on return on assets, in the lower half at 0.99% (Q2 2026). Flora Bank & Trust reported 0.99% on return on assets for Q2 2026, 0.27 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.25% |
| Tier 1 risk-based capital ratio | 15.25% |
| Total risk-based capital ratio | 15.58% |
| Tier 1 leverage ratio | 8.94% |
| Equity capital to assets | 6.40% |
| Tangible equity to tangible assets | 6.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 4.16% |
| Allowance for credit losses to loans | 0.37% |
| Reserve coverage of non-performing loans | 85.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 15.70% |
| Net interest margin | 2.88% |
| Efficiency ratio | 59.57% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.18% |
| Core deposits to total deposits | 95.53% |
| Brokered deposits to total deposits | 2.30% |
| Deposits to assets | 93.04% |
| Securities to assets | 27.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.76% | 16.76% | 17.08% | 10.01% | 0.69% |
| Q4 2023 | 15.21% | 15.21% | 15.54% | 9.48% | -0.83% |
| Q1 2024 | 15.40% | 15.40% | 15.72% | 9.14% | 0.01% |
| Q2 2024 | 14.99% | 14.99% | 15.30% | 9.34% | 0.07% |
| Q3 2024 | 14.38% | 14.38% | 14.67% | 9.15% | 0.11% |
| Q4 2024 | 14.07% | 14.07% | 14.36% | 8.77% | 0.27% |
| Q1 2025 | 14.81% | 14.81% | 15.13% | 8.96% | 0.38% |
| Q2 2025 | 15.08% | 15.08% | 15.42% | 9.15% | 0.48% |
| Q3 2025 | 15.36% | 15.36% | 15.71% | 9.18% | 0.61% |
| Q4 2025 | 14.77% | 14.77% | 15.11% | 9.25% | 0.53% |
| Q1 2026 | 14.45% | 14.45% | 14.79% | 8.96% | 0.84% |
| Q2 2026 | 15.25% | 15.25% | 15.58% | 8.94% | 0.99% |
Flora Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flora Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Flora Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22598) · FFIEC NIC profile (RSSD 777441)