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Philo Exchange Bank
Philo, IL · FDIC Certificate #5722 · Chartered 01/0
Total assets
$156.57M
Total deposits
$130.26M
Total equity
$15.51M
Net loans
$88.10M
Branches (offices)
6
Net income (YTD)
$768.00K
Rank: #3,257 of 4,213 U.S. banks by assets · #227 of 322 in Illinois. Assets changed 15.9% and deposits 18.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 9.94% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 10.18% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 67.6% |
| Real estate loans (share of loans) | 76.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.42M | 76.5% | |
| Commercial & industrial | $5.05M | 5.7% | |
| Consumer / individual | $3.30M | 3.7% | |
| Construction & development | $189.00K | 0.2% | |
| Agricultural | $11.94M | 13.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.12M | $129.69M | $213.00K | $9.88M |
| Jun 2023 | $130.08M | $116.75M | $530.00K | $10.20M |
| Jun 2024 | $133.24M | $107.67M | $469.00K | $11.85M |
| Jun 2025 | $135.06M | $110.08M | $739.00K | $14.21M |
| Jun 2026 | $156.57M | $130.26M | $768.00K | $15.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $130.26M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $130.26M.
Similar-sized banks
First National Bank, Cortez ($156.90M) · Oakwood Bank ($156.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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