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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 - May 03, 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

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

5.993%

$1,893 Fees & Points $4,081 Total
0.652 Pts ($2,086)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.265%

$1,945 Fees & Points $4,795 Total
0.875 Pts ($2,800)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 22598
Date Established	1978
Assets	$ 119.83 million
Loans	$ 62.95 million
Deposits	$ 111.56 million
Capital	$ 7.84 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 13.24 million
Interest-bearing balances	$ 12.01 million
Total securities	$ 34.62 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 62.95 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	$ 111.99 million

LIABILITIES
Total deposits	$ 111.56 million
Interest-bearing deposits	$ 97.58 million
Deposits held in domestic offices	$ 111.56 million
% insured (estimated)"	68.53%
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	$ 111.99 million
Shareholders’ Equity	$ 7.84 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 5.21 million
Total Interest Expense	$ 2.54 million
Net interest income	$ 2.67 million
Provision for loan and lease losses	$ 0.03 million
Total non interest income	$ 0.68 million
Total non interest expense	$ 2.54 million
Pre-tax Net Operating Income	$ 0.47 million

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Branches

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