Philo Exchange Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Compared with Q1 2026, Core deposits to total deposits fell 0.37 percentage points in Q2 2026 to 94.18%, the biggest move on this page. Philo Exchange Bank ranks 208th of 323 Illinois banks on return on assets, in the lower half at 0.98% (Q2 2026). Philo Exchange Bank reported 0.98% on return on assets for Q2 2026, 0.27 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.18% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 3904.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 9.92% |
| Net interest margin | 3.56% |
| Efficiency ratio | 71.18% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.30% |
| Core deposits to total deposits | 94.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.19% |
| Securities to assets | 27.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.38% | 15.38% | 16.28% | 10.09% | 0.63% |
| Q4 2023 | 15.21% | 15.21% | 16.08% | 10.06% | 0.89% |
| Q1 2024 | 15.31% | 15.31% | 16.18% | 10.53% | 0.71% |
| Q2 2024 | 15.17% | 15.17% | 16.03% | 10.68% | 0.72% |
| Q3 2024 | 15.41% | 15.41% | 16.28% | 10.41% | 0.61% |
| Q4 2024 | 14.94% | 14.94% | 15.77% | 10.31% | 0.87% |
| Q1 2025 | 16.62% | 16.62% | 17.53% | 10.26% | 0.87% |
| Q2 2025 | — | — | — | 10.57% | 1.22% |
| Q3 2025 | — | — | — | 11.13% | 1.13% |
| Q4 2025 | — | — | — | 10.91% | 1.17% |
| Q1 2026 | — | — | — | 10.01% | 1.01% |
| Q2 2026 | — | — | — | 10.18% | 0.98% |
Philo Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Philo Exchange Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)