Banks | Flora Bank & Trust

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 - October 18, 2024

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 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22598
Date Established 1978
Assets $ 115.64 million
Loans $ 56.53 million
Deposits $ 108.97 million
Capital $ 6.18 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 12.70 million
Interest-bearing balances $ 11.56 million
Total securities $ 37.16 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 56.53 million
Loan loss allowance $ 0.20 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 $ 109.45 million

LIABILITIES
Total deposits $ 108.97 million
      Interest-bearing deposits $ 95.09 million
      Deposits held in domestic offices $ 108.97 million
      % insured (estimated) 49.81%
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 $ 109.45 million
      Shareholders’ Equity $ 6.18 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 2.30 million
Total Interest Expense $ 1.38 million
Net interest income $ 0.92 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.34 million
Total non interest expense $ 1.24 million
Pre-tax Net Operating Income $ 0.47 million

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