PHILO EXCHANGE BANK

PHILO, IL | Small | Est. Jan. 1, 1883, midnight | FDIC #5722 | RSSD #667346 | FDIC
Latest Report: 2025-12-31

PHILO EXCHANGE BANK is asn small FDIC-insured commercial bank headquartered in PHILO, IL, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $149M and total deposits of $123M. Profitability stands at 1.16% ROA and 10.99% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 9.00%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.75%. FDIC Certificate #5722.

Assets

$149M

Deposits

$123M

Loans

$92M

Equity

$16M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 10.99%
Net Interest Margin (NIM) 4.46%
Yield on Assets 5.59%
Cost of Funds 1.18%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.75%
NPA Ratio 0.08%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 9.00%
Tier 1 Capital 9.00%
Total Capital Ratio 9.45%
Leverage Ratio 10.91%
Loan-to-Deposit 74.69%

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