Banks PHILO EXCHANGE BANK

PHILO EXCHANGE BANK

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

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%.

Assets
$149M
Deposits
$123M
Loans
$92M
Equity
$16M

Profitability

Return on Assets (ROA)1.16%
Return on Equity (ROE)10.99%
Net Interest Margin4.46%
Yield on Assets5.59%
Cost of Funds1.18%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio-0.02%
Texas Ratio0.75%
NPA Ratio0.08%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio9.00%
Tier 1 Capital9.00%
Total Capital Ratio9.45%
Leverage Ratio10.91%
Loan-to-Deposit74.69%

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