FLORA BANK&TRUST
FLORA, ILLINOIS · FDIC Cert #22598
Capital & Safety Analysis
According to FDIC financial data, FLORA BANK&TRUST holds a Tier 1 capital ratio of 14.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FLORA BANK&TRUST has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FLORA BANK&TRUST shows strong financial health indicators. With $116M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FLORA BANK&TRUST has a Bank Health Score of A (91/100). It holds a Tier 1 capital ratio of 14.99%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FLORA BANK&TRUST holds $116M in total assets and $109M in total deposits. It is located in FLORA, ILLINOIS (FDIC Certificate #22598).
FLORA BANK&TRUST has a Tier 1 capital ratio of 14.99%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.14%, and the return on assets is 0.04%.
Yes. FLORA BANK&TRUST is FDIC-insured (Certificate #22598). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.