Philo Exchange Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Core deposits to total deposits fell 0.37 percentage points from Q1 2026 to Q2 2026, ending at 94.18% against 94.55%. It was the largest change among the key lines on this page. Within Illinois, Philo Exchange Bank is 213th of 323 on loan-to-deposit ratio, 68.30% as of Q2 2026. Philo Exchange Bank reported 68.30% on loan-to-deposit ratio for Q2 2026, 12.26 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.30% |
| Net loans and leases to deposits | 67.64% |
| Loans and leases to core deposits | 72.52% |
| Core deposits to total deposits | 94.18% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 64.00% | 94.40% | $9.5M | $0 |
| Q4 2023 | 69.73% | 95.28% | $7.2M | $0 |
| Q1 2024 | 68.89% | 93.87% | $237K | $0 |
| Q2 2024 | 76.98% | 94.30% | $0 | $13.0M |
| Q3 2024 | 81.17% | 95.87% | $0 | $13.0M |
| Q4 2024 | 81.37% | 96.35% | $6.6M | $13.0M |
| Q1 2025 | 74.67% | 95.70% | $0 | $10.0M |
| Q2 2025 | 78.29% | 95.97% | $0 | $10.0M |
| Q3 2025 | 79.54% | 95.32% | $3.0M | $10.0M |
| Q4 2025 | 74.69% | 95.35% | $0 | $10.0M |
| Q1 2026 | 68.41% | 94.55% | $0 | $10.0M |
| Q2 2026 | 68.30% | 94.18% | $0 | $10.0M |
Philo Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Philo Exchange Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Philo Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5722) · FFIEC NIC profile (RSSD 667346)