Unverified listing What this means
The Lender Report built this page from public records. Flora Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Flora Bank & Trust itself. Each figure shows its source and date. Work at Flora Bank & Trust? You can claim this page for free.
Bank, Flora, IL
Flora Bank & Trust
A bank based in Flora, IL. Its commercial book is led by C&I and construction. No public file shows individual loans it has made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $23.3M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $126M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.fbandt.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fbandt.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 1478 N Worthey St, Flora, IL 62839FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Balances only
Balances only. No public file shows individual loans this lender made. Below is how its book moved.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 4.5% to $11M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 13.4% to $3.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported |
| Construction and land development | $3.74M | 6.0% | +13.4% |
| Owner-occupied CRE | $2.67M | 4.3% | -27.9% |
| Non-owner-occupied CRE | $2.44M | 3.9% | +45.5% |
| Farmland | $3.50M | 5.6% | -21.1% |
| Commercial and industrial | $11.0M | 17.6% | +4.5% |
| Commercial total | $23.3M |
Reference only: $20.8M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $20.9M |
| Q4 2023 | $23.5M |
| Q1 2024 | $23.7M |
| Q2 2024 | $24.4M |
| Q3 2024 | $26.8M |
| Q4 2024 | $27.1M |
| Q1 2025 | $24.9M |
| Q2 2025 | $23.6M |
| Q3 2025 | $24.6M |
| Q4 2025 | $26.8M |
| Q1 2026 | $27.4M |
| Q2 2026 | $23.3M |
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Flora Bank & Trust reported commitments to fund construction loans that had not been drawn at June 30, 2026: $1,164,000 for 1-4 family residential construction and $0 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $2,292,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 25 | $777K |
| Over $100,000 up to $250,000 | 7 | $843K |
| Over $250,000 up to $1 million | 5 | $1.14M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 18 | $667K |
| Over $100,000 up to $250,000 | 7 | $982K |
| Over $250,000 up to $1 million | 2 | $891K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 9 | $409K |
| Over $100,000 up to $250,000 | 5 | $585K |
| Over $250,000 up to $500,000 | 5 | $832K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 19 | $392K |
| Over $100,000 up to $250,000 | 3 | $409K |
| Over $250,000 up to $500,000 | 3 | $365K |
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Illinois HQ | 4 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Flora Bank & Trust has 2 offices in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 2 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Clay County, IL | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $1.73M | $1.80M to $3.38M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 53.5% | 28.0% to 161.1% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 32.4% | 7.6% to 51.0% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 53.2% | 48.6% to 97.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $1.16M | $0 to $2.42M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 49.5% | 43.5% to 82.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| The First National Bank of Sparta | IL | $115M | $13.3M |
| The Iuka State Bank | IL | $133M | $78.4M |
| The Granville National Bank | IL | $118M | $19.9M |
| Exchange State Bank | IL | $113M | $33.3M |
| Princeville State Bank | IL | $124M | $50.3M |
| First Community Bank of Moultrie County | IL | $120M | $18.0M |
| Farmers State Bank & Trust Co. | IL | $130M | $48.1M |
| State Bank of Whittington | IL | $180M | $58.0M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Flora Bank & Trust, FDIC certificate 22598. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $126M in total assets and $23.3M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. No loans are on record under this name in the HMDA and SBA files. If that is wrong, report it with evidence.
- Phone and website. No phone number is on record. Website fbandt.bank, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 22598
- RSSD
- 777441
- The Lender Report ID
- lr_005175
- FDIC classifies this bank as
- All Other Under 1 Billion
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $126M in total assets as of June 30, 2026 (FDIC call report).
- Held $23.3M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $11M of commercial and industrial loans as of June 30, 2026, up 4.5% from a year earlier (FDIC call report).
- Held $3.7M of construction and land loans as of June 30, 2026, up 13.4% from a year earlier (FDIC call report).
- Held $3.5M of farmland loans as of June 30, 2026 (FDIC call report).
- Listed 4 offices in 1 state (FDIC).
3 more sentences
- Held 37 commercial and industrial loans that were $1 million or less when made, with a balance of $2.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 27 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $2.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $1.2M for 1-4 family and $0 for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Flora Bank & Trust, https://lender.report/lender/flora-bank-and-trust-il/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Flora Bank & Trust? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem