Flora Bank & Trust
Flora, IL · Cert 22598 · Peer group: banks under $1B in assets in IL (n=149-151) · 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 151).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in IL (rank 144 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.90%
Rank 92 of 151
Net Interest Margin
2.63%
Rank 136 of 151
Efficiency Ratio
62.57%
Rank 68 of 151
Equity / Assets
6.40%
Rank 144 of 151
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 56% 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% | 0.70% | 1.03% | 1.34% | Beats 39% | 92 / 151 | |
| Return on Equity | 14.12% | 6.74% | 9.34% | 12.94% | Beats 84% | 24 / 151 | |
| Net Interest Margin | 2.63% | 3.02% | 3.43% | 3.83% | Beats 10% | 136 / 151 | |
| Efficiency Ratio | 62.57% | 54.64% | 64.89% | 72.50% | Beats 56% | 68 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.20% | 0.66% | 1.77% | Beats 72% | 43 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 44% | 86 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 15.25% | 11.83% | 14.17% | 18.66% | Beats 58% | 63 / 151 | |
| Total Risk-Based Capital Ratio | 15.58% | 12.22% | 14.54% | 19.92% | Beats 56% | 66 / 151 | |
| Equity / Assets | 6.40% | 9.10% | 10.65% | 12.40% | Beats 5% | 144 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 53.18% | 54.39% | 71.02% | 80.75% | 23rd pctl | 115 / 149 | |
| Loans / Assets | 49.48% | 45.91% | 61.31% | 68.01% | 31st pctl | 104 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |