Flora Bank & Trust
Flora, IL · Cert 22598 · Peer group: banks under $1B in assets in IL (n=147-149) · Clay Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$126.0MAssets
$62.3MLoans
$117.2MDeposits
$8.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets in IL (rank 24 of 149).
- Widest gap: equity / assets trails 96% of banks under $1B in assets in IL (rank 143 of 149).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.90%
Rank 93 of 149
Net Interest Margin
2.63%
Rank 136 of 149
Efficiency Ratio
62.57%
Rank 69 of 149
Equity / Assets
6.40%
Rank 143 of 149
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 54% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.74% | 1.04% | 1.34% | Beats 38% | 93 / 149 | |
| Return on Equity | 14.12% | 6.82% | 9.34% | 12.94% | Beats 84% | 24 / 149 | |
| Net Interest Margin | 2.63% | 3.04% | 3.43% | 3.83% | Beats 9% | 136 / 149 | |
| Efficiency Ratio | 62.57% | 54.64% | 64.55% | 71.82% | Beats 54% | 69 / 149 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.65% | 1.77% | Beats 71% | 44 / 147 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 43% | 86 / 147 | |
| Capital |
| Tier 1 Capital Ratio | 15.25% | 11.87% | 14.21% | 18.66% | Beats 57% | 64 / 149 | |
| Total Risk-Based Capital Ratio | 15.58% | 12.22% | 14.72% | 19.92% | Beats 55% | 67 / 149 | |
| Equity / Assets | 6.40% | 9.24% | 10.65% | 12.40% | Beats 4% | 143 / 149 | |
| Liquidity & Funding |
| Loans / Deposits | 53.18% | 53.80% | 70.99% | 80.75% | 23rd pctl | 113 / 147 | |
| Loans / Assets | 49.48% | 46.03% | 61.30% | 67.68% | 32nd pctl | 102 / 149 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |