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Flora Bank & Trust


Flora Bank & Trust is an FDIC insured institution headquartered at 1478 N Worthey St, Flora, IL 62839.
It was founded in 1978 and has approximately $0 billion in assets. Customers can open an account at one of its 5 branches.

Deposit Rates - March 19, 2026

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.35% $10,000 Compare
18 Mo CD
0.35% $100,000 Compare
24 Mo CD
0.45% $10,000 Compare
24 Mo CD
0.45% $100,000 Compare
30 Mo CD
0.45% $10,000 Compare
30 Mo CD
0.45% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.55% $100,000 Compare
48 Mo CD
0.70% $10,000 Compare
48 Mo CD
0.70% $100,000 Compare
60 Mo CD
0.85% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.13% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22598
Date Established 1978
Assets $ 118.35 million
Loans $ 58.23 million
Deposits $ 110.22 million
Capital $ 7.46 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 15.98 million
Interest-bearing balances $ 14.50 million
Total securities $ 35.06 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 58.23 million
Loan loss allowance $ 0.23 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 6.13 million
     Total Assets $ 110.89 million

LIABILITIES
Total deposits $ 110.22 million
      Interest-bearing deposits $ 94.22 million
      Deposits held in domestic offices $ 110.22 million
      % insured (estimated)" 71.30%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.25 millionn
      Total Liabilities $ 110.89 million
      Shareholders’ Equity $ 7.46 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 3.86 million
Total Interest Expense $ 1.94 million
Net interest income $ 1.91 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.50 million
Total non interest expense $ 1.86 million
Pre-tax Net Operating Income $ 0.47 million

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