Philo Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Philo Exchange Bank of Philo, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.25% | -0.27% | 31st below |
| ROAE | 9.92% | 13.17% | -3.25% | 34th below |
| Net Interest Margin | 3.56% | 3.95% | -0.39% | 29th below |
| Efficiency Ratio | 71.18% | 61.50% | +9.68% | 25th below |
| PPNR / Avg Assets | 1.00% | — | — | 19th bottom |
| Yield on Earning Assets | 4.67% | 5.67% | -1.00% | 12th bottom |
| Cost of Funds | 1.17% | 1.87% | -0.70% | 86th top |
| Net Interest Spread | 3.02% | — | — | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.93% | -0.91% | 82nd top |
| NPA / Total Assets | 0.05% | — | — | 78th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.97% | — | — | 22nd bottom |
| ACL / NPLs (Coverage) | 3904.55% | — | — | — |
| Texas Ratio | 0.48% | 6.06% | -5.58% | 77th top |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.18% | 11.75% | -1.57% | 35th below |
| Equity / Assets | 9.90% | 10.98% | -1.08% | 43rd below |
| TCE / Tangible Assets | 9.19% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.30% | 80.44% | -12.14% | 74th above |
| Core Deposit Ratio | 94.18% | 86.95% | +7.23% | 80th top |
| Wholesale Funding Ratio | 6.39% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.93% | — | — | 92nd top |
| Loan Growth (Y/Y) | 3.24% | — | — | 37th below |
| Deposit Growth (Y/Y) | 18.34% | — | — | 93rd top |
See Philo Exchange Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Philo Exchange Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Philo Exchange Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Philo Exchange Bank peer analysis.