Is Flora Bank&Trust Safe?
Flora Bank&Trust has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (22/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.99% | 100/100 |
| Nonperforming Loan Ratio | 0.14% | 97/100 |
| Liquidity Ratio | 43.12% | 100/100 |
| Return on Assets | 0.04% | 22/100 |
| Total Assets | $0.1B | |
How does Flora Bank&Trust compare?
With a Bank Health Score of 91/100, Flora Bank&Trust sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Flora Bank&Trust ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.99% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.14% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Flora Bank&Trust's Bank Health Score fell by 4.0 points to 91/100. Tier 1 capital weakened by 1.77 percentage points to 14.99%.
Flora Bank&Trust has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (22/100).