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Philo Exchange Bank Locations & Branches Philo, Illinois
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Philo Exchange Bank operates 6 branches from its headquarters in Philo, IL, .
Philo Exchange Bank branch network
All 6 branches are in ILLINOIS, across 5 cities. Philo, IL has the most of its branches, 2. Its largest office by deposits is its main office in Philo, IL, with $86.9M (66.7% of its branch deposits). On June 30, 2025 it had 5 branches, 1 fewer than in 2026.
Philo Exchange Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $156.6M
- Tier 1 leverage ratio, Q2 2026
- 10.18%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1883
Full financial profile · Is Philo Exchange Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Philo, IL (2 branches) | 1 of 1 | 100.0% | $86.9M |
| State: IL (6 branches) | 267 of 379 | <0.1% | $130.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Philo Exchange Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Champaign, IL (5 branches) | 14 of 29 | 1.3% | $101.4M | $7.55B |
| Vermilion, IL (1 branch) | 9 of 14 | 1.9% | $28.9M | $1.50B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Champaign-Urbana, IL (5 branches) | 16 of 29 | 1.2% | $101.4M | $8.20B |
| Danville, IL (1 branch) | 9 of 14 | 1.9% | $28.9M | $1.50B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Philo Exchange Bank (main office) | Philo, IL | 61864 | $86.9M |
| State Bank of Allerton Branch | Allerton, IL | 61810 | $28.9M |
| Community Bank Plaza Facility | Broadlands, IL | 61816 | $7.1M |
| 802 E. Warren Street Branch | Saint Joseph, IL | 61873 | $6.8M |
| Philo Exchange Bank Branch | Tolono, IL | 61880 | $703K |
| North Lincoln Street Branch (Route 130) | Philo, IL | 61864 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5722) · FFIEC NIC profile (RSSD 667346)