Flora Bank & Trust: how it compares with its peers
Against 121 IL banks with half to twice its assets, Flora Bank & Trust's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (2.95% vs. 3.77%).
| Measure | Flora Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.07% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.95% | 3.77% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.57% | 66.65% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.1M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.98% | 69.91% | Context |
What it means for lending operations
Its efficiency ratio of 62.57% is better than the 66.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Chester National Bank Chester, IL · $126M
- Princeville State Bank Princeville, IL · $124M
- Midwest National Bank Sandoval, IL · $123M
- 1st Equity Bank Skokie, IL · $130M
- Farmers State Bank & Trust Co. Mount Sterling, IL · $130M
- First Community Bank of Moultrie County Sullivan, IL · $120M
Questions about Flora Bank & Trust
How big is Flora Bank & Trust?
Flora Bank & Trust, established in 1978, is headquartered in Flora, IL. It reported $126M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Flora Bank & Trust's return on assets?
0.92% annualized in Q2 2026, against a 1.07% median for 121 IL banks with half to twice its assets, ahead of 40% of them.
What is Flora Bank & Trust's efficiency ratio?
62.57% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 66.65%, and lower is better.
Is Flora Bank & Trust growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.