Bankgraph
FDIC data through Q2 ʼ26
Institutions /

Flora Bank & Trust

Flora, IL FDIC 22598 FED Clay Bancshares Inc Asset group $100M – $300M 4 offices · 15 employees Filed Q2 2026
Assets
$126.0M
Deposits
$117.2M
ROA
0.92%
ROE
14.38%
NIM
2.95%
Efficiency
62.57%
Tier 1 capital
15.25%
Total capital
15.58%
Noncurrent loans
0.23%
Loans / deposits
52.98%

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