Flora Bank & Trust
Flora, IL · Owner: Clay Bancshares Inc
$126M
total assets, June 30, 2026
$126M
total assets, June 30, 2026
Flora Bank & Trust is a state member bank based in Flora, IL, owned by Clay Bancshares Inc. As of June 30, 2026 it held $126.0 million in assets and $117.2 million in deposits; assets were up 7.1% from a year before. It has 2 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$126M
+7.1% in a year · +0.9% in a quarter
Deposits
$117M
+6.0% in a year · +0.7% in a quarter
Loans
$62.3M
+7.2% in a year · -3.1% in a quarter
Profit so far
$569K
Jan 1 to Jun 30, 2026 · +125.8% in a year
Capital ratio
8.94%
-0.22 pts in a year
Return on assets
0.92%
+0.49 pts in a year
Facts
- Type
- State member bank
- Head office
- 1478 N Worthey St, Flora, IL, 62839
- County
- Clay
- Holding company
- Clay Bancshares Inc
- Established
- Jan 19, 1978
- Employees
- 15
- Branches
- 2
- Website
- www.fbandtbank.com
- Id
- b22598
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
2 offices as of June 30, 2026, holding $117.2 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Illinois | 2 | $117M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Flora Bank & Trust (main office) | Flora, IL | $112M |
| North Clay Banking Center | Louisville, IL | $5.1M |
Related pages
Questions and answers
How big is Flora Bank & Trust?
$126.0 million in total assets and $117.2 million in deposits as of June 30, 2026, with assets up 7.1% from a year before. Its loans were $62.3 million.
How many branches does Flora Bank & Trust have?
2 branches in Illinois as of June 30, 2026.
Is Flora Bank & Trust profitable?
Yes: it earned $569,000 from January 1 to June 30, 2026 (up 125.8% from the same months a year before). Its return on assets was 0.92% a year; about 1% is typical.
Who owns Flora Bank & Trust?
Flora Bank & Trust is owned by Clay Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.