TellerScore

Flora Bank & Trust (FDIC certificate #22598) is based in Flora, Illinois. Its Q2 2026 call report shows $126.0M in total assets and $117.2M in deposits and 4 offices.

Based on its Q2 2026 filing, Flora Bank & Trust scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 194th. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is capital cushion (39/100; 8.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.94%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 53.0% · 33.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the earnings component improved by 20 points.

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202461
Q1 202565
Q2 202566
Q3 202566
Q4 202567
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%7.17%9.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20249.15%
Q4 20248.77%
Q1 20258.96%
Q2 20259.15%
Q3 20259.18%
Q4 20259.25%
Q1 20268.96%
Q2 20268.94%
Noncurrent loans
0.12%0.18%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.13%
Q4 20240.12%
Q1 20250.13%
Q2 20250.17%
Q3 20250.23%
Q4 20250.16%
Q1 20260.22%
Q2 20260.23%
Return on assets
0.04%0.48%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.04%
Q3 20240.06%
Q4 20240.12%
Q1 20250.38%
Q2 20250.43%
Q3 20250.49%
Q4 20250.50%
Q1 20260.84%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$126.0M8.94%0.23%0.92%53.0%
Q1 202668$124.8M8.96%0.22%0.84%55.0%
Q4 202567$119.8M9.25%0.16%0.50%56.4%
Q3 202566$118.3M9.18%0.23%0.49%52.8%
Q2 202566$117.6M9.15%0.17%0.43%52.3%
Q1 202565$115.4M8.96%0.13%0.38%54.3%
Q4 202461$117.7M8.77%0.12%0.12%56.0%
Q3 202461$119.2M9.15%0.13%0.06%53.8%
Q2 202460$115.6M9.34%0.14%0.04%51.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.94%
11th
Total risk-based capital15.58%
71st
Problem loans0.23%
63rd
Net charge-offs0.04%
29th
Return on assets0.92%
30th
Net interest margin2.95%
9th
Efficiency ratio62.6%
49th
Loans to deposits53.0%
89th
Uninsured deposits33.3%
20th
Loan-loss reserves0.37%
2nd
Texas ratio2.0%
58th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Chester National BankBank Chester, IL58 out of 100, Moderate$125.7M6.0%0.00%vs
Princeville State BankBank Princeville, IL46 out of 100, Below average$124.4M9.2%6.42%vs
Midwest National BankBank Sandoval, IL38 out of 100, Low$122.6M8.1%1.91%vs
1st Equity BankBank Skokie, IL85 out of 100, Very strong$130.0M16.5%0.00%vs
Farmers State Bank & Trust Co.Bank Mount Sterling, IL73 out of 100, Strong$130.2M9.4%0.33%vs
First Community Bank of Moultrie CountyBank Sullivan, IL74 out of 100, Strong$119.7M9.1%0.10%vs

Deposit insurance

Is my money safe at Flora Bank & Trust?

Yes. Flora Bank & Trust is an FDIC-insured institution (FDIC certificate #22598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.3% of deposits ($39.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.58% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Flora Bank & Trust lists 2 offices in 2 cities. Most locations:

  • Flora, IL (1)
  • Louisville, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Flora Bank & Trust
Type
State-chartered bank (Fed member)
FDIC certificate #
22598
RSSD ID
777441
Primary regulator
FED
Holding company
Clay Bancshares Inc
Established
January 19, 1978
Headquarters
1478 N Worthey St, Flora, IL 62839
Employees
15

Quick answers

Flora Bank & Trust: common questions

Is Flora Bank & Trust FDIC insured?

Yes. Flora Bank & Trust is an FDIC-insured institution (FDIC certificate #22598). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Flora Bank & Trust's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Flora Bank & Trust ever failed?

There is no failure record for FDIC certificate #22598 in the FDIC failed bank list.

How many branches does Flora Bank & Trust have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Flora

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National Bank of AlbionBank Albion, IL88 out of 100, Very strong$348.5M17.4%0.54%vs
First Community Bank, Xenia-FloraBank Xenia, IL86 out of 100, Very strong$55.5M12.0%0.22%vs
Kinmundy BankBank Kinmundy, IL85 out of 100, Very strong$80.1M13.0%0.67%vs
First State Bank of St. PeterBank Saint Peter, IL83 out of 100, Strong$30.1M18.5%1.71%vs
The Clay City Banking Co.Bank Clay City, IL68 out of 100, Moderate$253.3M10.2%1.09%vs
TrustBankBank Olney, IL68 out of 100, Moderate$640.2M9.8%0.73%vs