Bank · FDIC insured
Flanagan State Bank
A $300.3M bank headquartered in Flanagan, IL, with 8 branches in 2 states. Best rates: CDs 3.85% and savings 0.35% APY.
Flanagan State Bank Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#18 of 21 in Bloomington, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Flanagan State Bank
Founded in Central Illinois in 1913, Flanagan State Bank has remained family-owned for over a century.
The bank has grown from a small community bank to operate branches and loan offices across multiple states, including Montana.
- Headquarters
- 301 W Falcon Hwy, Flanagan, IL 61740
- FDIC certificate
- 11734 ↗
Branches
8 branches in 2 states
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Illinois
7 branches
Bloomington area · 3
- Bloomington Branch2401 E Washington St, Bloomington, IL 61704Directions
- Gridley Il Branch208 E Gridley Rd, Gridley, IL 61744Directions
- Leroy Branch500 S Persimmon St, Le Roy, IL 61752Directions
Pontiac area · 2
- Flanagan State BankMain office301 W Falcon Hwy, Flanagan, IL 61740Directions
- Pontiac Branch423b W Madison St, Pontiac, IL 61764Directions
Peoria area · 2
- Benson Branch403 State St, Benson, IL 61516Directions
- Elpaso Branch111 N Fayette St, El Paso, IL 61738Directions
Montana
1 branch
- Belgrade Branch11 West Main Street, Belgrade, MT 59714Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.59% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.23% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio9.59%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Flanagan State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.