First Clover Leaf Financial Corp. operates as the holding company for First Clover Leaf Bank, which provides various banking products and services in Illinois. It offers demand and interest-bearing deposits; NOW, money market, savings, and term certificate accounts; and certificate of deposits. The company's loan portfolio comprises one-to four-family residential mortgage loans, commercial real estate loans, multifamily mortgage loans, construction and land loans, commercial business loans, and consumer loans. First Clover Leaf Financial also sells credit life and disability insurance policies. As of December 31, 2010, it operated four branch offices and in 2011 opened a loan production office. The company was founded in 1921 and is headquartered in Edwardsville, Illinois.