BlastPoint's Banking Scorecard
Flora Bank & Trust
Micro
Specialty: Other
IL
FDIC cert 22598
Designations: ✓ Community bank
Flora, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Flora Bank & Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.8M
+1.8% YoY
+1.2% QoQ
|
-$97.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$63.0M
+1.2% YoY
+8.1% QoQ
|
-$76.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$111.6M
+0.4% YoY
+1.2% QoQ
|
-$72.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.50%
+327.1% YoY
+2.0% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.49%
+35.7% YoY
+4.0% QoQ
|
-1.37% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
75.93%
-20.0% YoY
-1.2% QoQ
|
+8.21% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.16%
+32.2% YoY
-29.4% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
56.43%
+0.7% YoY
+6.8% QoQ
|
-18.10% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
12.53%
+6.2% YoY
-13.7% QoQ
|
-9.86% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.09%
+31.4% YoY
-24.6% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.77%
+5.0% YoY
-3.8% QoQ
|
+5.92% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.57%
-1.9% YoY
+33.7% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.49%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.77% · Tier avg: 8.85%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
33
33th pctile
Total Deposits
Current: $111.6M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $119.8M · Tier avg: $217.5M
27
27th pctile
Efficiency Ratio
Current: 75.93% · Tier avg: 67.73%
26
26th pctile
Total Loans
Current: $63.0M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 56.43% · Tier avg: 74.53%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.53% · Tier avg: 22.39%
6
6th pctile
Net Interest Margin
Current: 2.49% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.49% · Tier avg: 3.85%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.53% · Tier avg: 22.39%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
19
19th pctile
Loan-to-Deposit Ratio
Current: 56.43% · Tier avg: 74.53%
26
26th pctile
Total Loans
Current: $63.0M · Tier avg: $139.2M
27
27th pctile
Efficiency Ratio
Current: 75.93% · Tier avg: 67.73%
29
29th pctile
Total Assets
Current: $119.8M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $111.6M · Tier avg: $183.7M
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.77% · Tier avg: 8.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%