PHILO EXCHANGE BANK is an 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%. CET1 capital ratio: 9.00%. NPL ratio: 0.14% · Texas Ratio: 0.75%.
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