Flora Bank & Trust is a bank based in Flora, Illinois, established in 1978, with $125 million in total assets across 4 branches. By Trust Grade it ranks 304th of 328 banks we track in Illinois. Its capital ratio of 6.3% trails most similarly sized banks (4th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 0.84% return on assets. No consumer complaints against Flora Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Flora Bank & Trust compares to Illinois peers
How we graded Flora Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.3% capital ratio)
- Profitable (ROA 0.84%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Flora Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 1478 N Worthey St, Flora, IL 62839
- 911 Stacey Burk Dr, Flora, IL 62839
- 131 W North Ave, Flora, IL 62839
- 330 Route 45 N, Louisville, IL 62858
Are deposits at Flora Bank & Trust insured?
Yes. Flora Bank & Trust is an FDIC-insured bank (FDIC certificate #22598). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Flora Bank & Trust: frequently asked questions
Is Flora Bank & Trust a good bank?
Flora Bank & Trust earns a Bankzia Trust Grade of B (83/100, "Strong"), based on a financial-strength score of 83/100 (it has no CFPB complaints on record). Well-capitalized (6.3% capital ratio); Profitable (ROA 0.84%).
Is Flora Bank & Trust FDIC-insured?
Yes. Flora Bank & Trust is a FDIC-insured bank (FDIC certificate #22598). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Flora Bank & Trust?
Flora Bank & Trust holds $125 million in total assets, ranking 304th of 328 banks we track in Illinois. It operates 4 branches.
Does Flora Bank & Trust have CFPB complaints?
No CFPB complaints against Flora Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
