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Advertiser Disclosure
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 Flanagan State Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
Flanagan State Bank's 1-Month Standard Certificates of Deposit rates are at 2.90%, 60-Month Standard Certificates of Deposit rates are at 2.52%, IRA Certificates 60-Month rates are at 2.52%, 36-Month Standard Certificates of Deposit rates are at 2.49%, IRA Certificates 36-Month rates are at 2.49%. Flanagan State Bank's savings rates are at 0.05%. Flanagan State Bank's money market rates are at 0.22%. MonitorBankRates evaluates the financial stability of Flanagan State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.36%. Rates were last updated on 03/26/2026. Flanagan State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Flanagan State Bank? Share your experience about Flanagan State Bank by leaving a review below, or read customer reviews before you decide to use Flanagan State Bank. 
Flanagan State Bank CD Rates
Flanagan State Bank Savings Rates
Flanagan State Bank Money Market Rates
Flanagan State Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Flanagan State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Flanagan State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Flanagan State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Flanagan State Bank
Bank Holding Company
HOMETOWN FINANCIAL GROUP INC
Address
301 W Falcon Hwy,
Flanagan, IL 61740 · Livingston
FDIC Certificate #
11734
Established
01/01/1913
FDIC Insurance Date
01/01/1934
Domestic Offices
15
Total Branches
15
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
10.36%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.1103%
Return on Equity (ROE)
2.6600%
Non-Performing Loans (NPL)
0.31%
Total Assets
$312,454,000
Total Deposits
$276,560,000
Equity Capital
$19,942,000
Net Income
$1,917,000
Headquarters
Flanagan
Total Offices
15
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Flanagan State BankIs Flanagan State Bank a safe place to deposit money?Yes, Flanagan State Bank is considered a safe financial institution. With a Texas Ratio of 10.35749000972%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Flanagan State Bank operate?Flanagan State Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Flanagan State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Flanagan State Bank provides members with tools to manage their accounts and build a solid financial history. Does Flanagan State Bank offer online and mobile banking?Most modern institutions like Flanagan State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.flanaganstatebank.com. Current Flanagan State Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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