Bank routing number ยท Philo, Illinois
Philo Exchange Bank Routing Number (ABA): 071110369
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The Philo Exchange Bank routing number is 071110369. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 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
- Domestic offices
- 6 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1883
Full financial profile · Is Philo Exchange Bank safe? · Philo Exchange Bank call report · Branch locations
Philo Exchange Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 071110369 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Philo Exchange Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 1036, identify the institution within that district. The last digit, 9, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Philo Exchange Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Philo Exchange Bank checks or in its online banking. Ask the bank for wire instructions (www.philobank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Philo Exchange Bank
Philo Exchange Bank is headquartered in Philo, Illinois and was established in 1883. It is in the CHAMPAIGN-URBANA, IL metro area. It reported $156.6M in total assets and $130.3M in deposits for Q2 2026, the 225th largest of the 319 banks headquartered in Illinois. See the largest banks in Illinois by total assets. It reports 6 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC.
What the digits in 071110369 mean
The first four digits, 0711, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 1036, identify the institution within its Federal Reserve district. The last digit, 9, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 4 + 7 x 14 + 10 = 120, a multiple of 10, so 071110369 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Philo Exchange Bank routing number?
The Philo Exchange Bank routing number is 071110369. It is the primary ABA routing transit number registered to Philo Exchange Bank, headquartered in Philo, IL. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Philo Exchange Bank wire routing number?
This page lists the primary routing number registered to Philo Exchange Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Philo Exchange Bank before sending a wire.
Is ABA number 071110369 the routing number for Philo Exchange Bank?
Yes. It is the primary routing number registered to Philo Exchange Bank.
Which bank uses routing number 071110369?
It belongs to Philo Exchange Bank, headquartered in Philo, IL. It is the bank's primary ABA routing number (FDIC certificate 5722).
Routing numbers of similar-size institutions in Illinois
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Regulator records: FDIC BankFind (cert 5722) · FFIEC NIC profile (RSSD 667346)