Total Assets
$120M
Total balance-sheet footings
FDIC Cert #22598 · Flora, Illinois · Est. 1978
Flora Bank & Trust - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $120M
- Total assets
- B
- Health grade · Good
- 0.50%
- Return on assets
- 14.8%
- Tier 1 capital
The verdict
Flora Bank & Trust earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.77% Tier 1, 0.50% ROA, 76% efficiency ratio.
- #3,583
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 14.77%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$112M
Customer-funded liabilities
Net Loans
$63M
Outstanding loan book
Net Income
$590K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - Flora Bank & Trust
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.77% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
14.77%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
1.28%
Equity Capital
Tangible book value as a capital buffer
$8M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 15.6th pct nationally
0.50%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
8.60%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
75.93%
What the numbers say about Flora Bank & Trust
Flora Bank & Trust is an FDIC-insured institution (Certificate #22598) headquartered in Flora, Illinois, established in 1978. It holds $120M in total assets — 3,583rd of 4,313 FDIC-insured banks, $112M in customer deposits, and $63M in net loans. On safety, its Tier 1 capital ratio of 14.77% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.28% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$5M
Interest Income
$681K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Flora Bank & Trust reports a Texas Ratio of 1.28% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.28% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
FDIC deposit insurance
Flora Bank & Trust is FDIC-insured (Certificate #22598). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) Flora Bank & Trust (FDIC Cert #22598) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Flora Bank & Trust's health grade?▼
Flora Bank & Trust receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Flora Bank & Trust?▼
Flora Bank & Trust holds $120M in total assets and $112M in deposits, ranking 3,583rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Flora, Illinois.
Is my money safe at Flora Bank & Trust?▼
Yes. Flora Bank & Trust is FDIC-insured (Certificate #22598). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Flora Bank & Trust's Tier 1 Capital Ratio?▼
Flora Bank & Trust has a Tier 1 Capital Ratio of 14.77%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Flora Bank & Trust?▼
Flora Bank & Trust has a Texas Ratio of 1.28%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Flora Bank & Trust?▼
Flora Bank & Trust has an Efficiency Ratio of 75.93%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Flora Bank & Trust's profile as a depositor or analyst.
- Flora Bank & Trust's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare Flora Bank & Trust against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.