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Flora Bank & Trust

Flora, IL · Cert 22598 · Clay Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$126.0MAssets
$62.3MLoans
$117.2MDeposits
$8.1MEquity
Loan mix
55%RE $33.8M21%C&I $12.8M24%Consumer $14.6MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $103.2M12%Noninterest $14.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 49 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.23% of loans (+6 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.94%, down 22 bps from a year ago.
  • Funding: loans stand at 53.18% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+49 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+50 bps YoY

Efficiency Ratio (YTD, annualized)

62.57%-1,650 bps YoY

Tier 1 Leverage Ratio

8.94%-22 bps YoY

NIM

4.11%Q2 ’244.37%Q2 ’254.39%Q2 ’26+29%+24%

Non-interest income vs. expense

2.20%Q2 ’242.12%Q2 ’252.00%Q2 ’26-2%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.12%0.38%0.43%0.49%0.50%0.84%0.92%+49 bps
Return on Equity1.13%2.12%7.05%7.95%8.71%8.60%13.11%14.38%+643 bps
Net Interest Margin1.62%1.61%2.09%2.13%2.15%2.25%2.65%2.63%+50 bps
Efficiency Ratio96.96%94.91%81.40%79.08%76.82%75.93%64.83%62.57%-1,650 bps
Non-Interest Burden1.55%1.50%1.60%1.57%1.52%1.57%1.52%1.44%-14 bps
Growth
Asset Growth (YoY)11.08%1.80%3.38%1.73%-0.73%1.80%8.12%7.11%+538 bps
Loan Growth (YoY)18.08%11.24%7.55%2.46%-3.18%1.21%8.78%7.24%+478 bps
Deposit Growth (YoY)10.47%2.30%3.47%1.52%-1.42%0.44%7.28%5.97%+446 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.13%0.17%0.23%0.16%0.22%0.23%+6 bps
Net Charge-Offs / Loans0.02%0.01%-0.01%0.00%0.00%0.00%0.00%0.04%+5 bps
Allowance / Loans0.34%0.34%0.38%0.39%0.40%0.37%0.37%0.37%-1 bps
Allowance Coverage of NPLs2.6x2.7x2.9x2.3x1.7x2.3x1.7x1.6x-0.6x
Capital
Tier 1 Leverage Ratio9.15%8.77%8.96%9.15%9.18%9.25%8.96%8.94%-22 bps
Total Risk-Based Capital14.67%14.36%15.13%15.42%15.71%15.11%14.79%15.58%+16 bps
Equity / Assets5.80%5.26%5.54%5.46%6.30%6.54%6.28%6.40%+94 bps
Liquidity & Funding
Loans / Deposits54.00%56.21%54.49%52.55%53.04%56.64%55.25%53.18%+63 bps
Liquid Assets / Assets8.70%7.41%9.12%12.49%12.26%10.02%12.05%14.63%+214 bps
CRE / Total Capitaln/an/an/an/a82.05%87.93%98.26%n/an/a