🏦Bank Scorer

FLORA BANK & TRUST

FLORA, IL · Supervised by FDIC

Est. 1978FDIC #22,598RSSD: FDIC-22598
Part ofCLAY BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: January 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.84%

Institution Profile

FDIC BankFind

Address

1478 N Worthey St, FLORA, IL

County

Clay County

Established

January 19, 1978

Total Assets

$125M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1996

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$125M

Total Deposits

$116M

Net Loans

$64M

Net Income

$257K

ROA

0.84%

ROE

13.11%

Risk-Based Capital

14.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$111M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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