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 Flora Bank & Trust
Flora Bank & Trust
| RSSD ID 777441 | CERTIFICATE 22598 | ABA NUMBER 81224724 |
| 1478 N Worthey St |
Quarter Ended : |
2025-12-31 |
| Flora, Illinois, 62839 |
Updated : |
2026-02-11 |
| www.fbandtbank.com |
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| Institution Profile |
| Year Opened : |
1978 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
4 |
Number of Employees : |
15 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 119,826 |
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Total Interest Income | 5,206 |
| Total Liabilities | 111,986 |
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Total NonInterest Income | 681 |
| Total Bank Equity Capital | 7,840 |
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Total Interest Expense | 2,538 |
| Total Deposits | 111,562 |
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Total NonInterest Expense | 2,543 |
| Net Loans & Leases | 62,952 |
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Net Income | 590 |
| Loan Loss Allowance | 234 |
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Net Charge Offs | (1) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 11,235 |
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Total loans | 59,678 |
| Total assets for the leverage ratio | 118,722 |
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Loans secured by real estate: | 31,864 |
| Tier 1 Leverage Ratio | 9.25 |
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Commercial and industrial loans | 11,864 |
| Tier 1 Capital Ratio | 14.77 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.11 |
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Loans to individuals - Other | 13,184 |
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:· Flora Bank & Trust
