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Flora Bank & Trust

$100M-$1B Specialty: Other IL FDIC cert 22598

Flora, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +6.0% year over year ($117.2M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 0.92%.
  • Efficiency ratio 62.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Flora Bank & Trust has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.91% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.4% in tier
  • - Credit Risk Growth: Bottom 27.3% in tier
  • - Net Interest Margin 1.04% below tier average
  • - ROA 0.40% below tier average
Get updates when Flora Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $126.0M
+7.1% YoY +0.9% QoQ
-$260.6M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 7.4% in tier
Total Loans ? $62.1M
+7.3% YoY -3.1% QoQ
-$196.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 5.1% in tier
Total Deposits ? $117.2M
+6.0% YoY +0.7% QoQ
-$209.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 10.8% in tier
Return on Assets ? 0.92%
+113.7% YoY +9.6% QoQ
-0.40% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 2.95%
+26.0% YoY +1.6% QoQ
-1.04% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 8.5% in tier
Efficiency Ratio ? 62.57%
-20.9% YoY -3.5% QoQ
-1.91% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.23%
+33.7% YoY +1.8% QoQ
-0.69% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 52.98%
+1.2% YoY -3.7% QoQ
-24.97% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 10.9% in tier
Non-Interest-Bearing Deposit Share ? 11.97%
-5.7% YoY -6.1% QoQ
-10.06% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 14.5% in tier
Nonperforming Asset Ratio ? 0.13%
+52.8% YoY +11.4% QoQ
-0.54% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 15.25%
+1.1% YoY +5.5% QoQ
-0.66% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.28%
+5.4% YoY +111.7% QoQ
-0.28% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 12.0%
-0.7pp YoY
-0.8pp QoQ
 -10.2pp 22.1% 20.1% 22.2% 14%
Brokered Deposits 2.3%
-1.2pp YoY
+0.1pp QoQ
 -5.6pp 7.9% 8.0% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 17.7%
-0.5pp YoY
-2.3pp QoQ
 +6.1pp 11.6% 14.7% 12.5% 83%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 33.5%
+2.9pp YoY
+3.6pp QoQ
 +0.9pp 32.6% 28.3% 31.3% 58%
Consumer 24.7%
+1.7pp YoY
+2.0pp QoQ
 +20.6pp 4.1% 5.4% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 15.2%
+0.2pp YoY
+0.8pp QoQ
 -3.6pp 18.8% 19.9% 19.7% 52%
Leverage Ratio 8.9%
-0.2pp YoY
0.0pp QoQ
 -3.2pp 12.2% 12.2% 12.6% 11%
Total Capital Ratio 15.6%
+0.2pp YoY
+0.8pp QoQ
 -4.4pp 19.9% 20.9% 20.8% 43%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
0 QoQ
 -44 58 228 482 4%
Assets per Employee ($) $8.4M
+7.1% YoY
+0.9% QoQ
 +$881K $7.5M $8.3M $8.8M 73%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 48%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 24%
Allowance Coverage 1.63x
-28.1% YoY
-2.0% QoQ
 -22.52x 24.15x 5.62x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 14.4%
+6.4pp YoY
+1.3pp QoQ
 +2.2pp 12.2% 10.5% 11.6% 64%
Cost of Funds (YTD) 2.0%
-0.5pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 68%
Net Income ($, YTD) $569,000
+125.8% YoY
— QoQ
 -$2.0M $2.6M $11.7M $40.4M 12%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#207 of 1256 • Bottom 16.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#257 of 936 • Bottom 27.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

288
Loan-to-Deposit Ratio
liquidity
Value: 52.98%
Peer Median: 77.95%
#288 of 2643 Top 10.9% in $100M-$1B

Top Weaknesses (5 metrics)

2508
Total Loans
size
Value: $62.11M
Peer Median: $258.35M
#2508 of 2643 Bottom 5.1% in $100M-$1B
2449
Total Assets
size
Value: $125.99M
Peer Median: $386.57M
#2449 of 2643 Bottom 7.4% in $100M-$1B
2419
Net Interest Margin
profitability
Value: 2.95%
Peer Median: 3.99%
#2419 of 2643 Bottom 8.5% in $100M-$1B
2359
Total Deposits
size
Value: $117.22M
Peer Median: $326.73M
#2359 of 2643 Bottom 10.8% in $100M-$1B
2261
Non-Interest-Bearing Deposit Share
funding
Value: 11.97%
Peer Median: 22.03%
#2261 of 2643 Bottom 14.5% in $100M-$1B
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