Flanagan State Bank Rates and Review February 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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Flanagan State Bank's Standard Certificates of Deposit 1-Month rates are at 3.10%, Standard Certificates of Deposit 12-Month rates are at 2.20%, IRA Certificate 12-Month rates are at 2.19%, Standard Certificates of Deposit 9-Month rates are at 2.17%, IRA Certificate 24-Month rates are at 2.15%. Flanagan State Bank's savings rates are at 0.05%. Flanagan State Bank's money market rates are at 0.22%.
Rate Updates and AvailabilityFlanagan 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 Texas RatioFlanagan State Bank's Texas Ratio is at 13.05%, which is considered excellent. The Texas Ratio for Flanagan State Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Flanagan State Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Flanagan State Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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 & OverviewFlanagan State Bank
301 W Falcon HwyFlanagan, IL 61740 Livingston Established Date: 01/01/1913 FDIC Certificate #: 11734 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: HOMETOWN FINANCIAL GROUP INC How Many Domestic U.S. Offices? 15 How Many Branches are There? 15 Website: https://www.flanaganstatebank.com
Is Flanagan State Bank FDIC Insured? Yes
What is Flanagan State Bank's Cert number? 11734
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$281,695,000
Total Deposits:
$260,327,000
Equity Capital:
$12,910,000
Net Income:
$228,000
Return on Assets (ROA):
0.1103%
Return on Equity (ROE):
2.6600%
Headquarters:
Flanagan
Regulator:
FDIC
# of Offices:
15
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Flanagan State Bank yet. Feel free to create one below.
Add Your Rating and Review for Flanagan State Bank
Frequently Asked Questions About Flanagan State BankHow do I open an account at Flanagan State Bank?You can typically open an account at Flanagan State Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Flanagan State Bank provides a range of mortgage and home equity products. Is Flanagan State Bank a safe place to deposit money?Yes, Flanagan State Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Flanagan State Bank offer online and mobile banking?Most modern institutions like Flanagan State Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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