Philo Exchange Bank
Philo, IL
IDRSSD: 667346
Total Assets
$140.10M
Latest filing
Total Deposits
$111.35M
Latest filing
Net Interest Margin
3.80%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Philo Exchange Bank
102 W Washington St
Philo, IL 61864
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1883FDIC Certificate 3900
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Philo Exchange Bank (Main) | 102 W Washington St | Philo, IL |
| COMMUNITY BANK PLAZA FACILITY | Lincoln And Diller Streets | Broadlands, IL |
| NORTH LINCOLN STREET BRANCH (ROUTE 130) | 401 N Lincoln St | Philo, IL |
| 802 E. WARREN STREET BRANCH | 802 E. Warren Street | Saint Joseph, IL |
| STATE BANK OF ALLERTON BRANCH | 201 N Vermilion Ave | Allerton, IL |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
National Bank of St. Anne
St. Anne, Illinois
→
Assets: $135.51MΔ +0.3%
State Bank of Cherry
Cherry, Illinois
→
Assets: $136.44MΔ +1.0%
First Community Bank of Hillsboro
Hillsboro, Illinois
→
Assets: $136.46MΔ +1.0%
First National Bank in Pinckneyville
Pinckneyville, Illinois
→
Assets: $137.02MΔ +1.4%
Du Quoin State Bank
Du Quoin, Illinois
→
Assets: $133.05MΔ -1.5%
The Litchfield National Bank
Litchfield, Illinois
→
Assets: $137.66MΔ +1.9%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1883 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61864 |
| State and County Number | 17019 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Champaign-Urbana, IL |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.philobank.com |
| Data Updated | 11/14/2025 |
| CERT | 5722 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $140.10M |
| Total Deposits | $111.35M |
| Total Liabilities | $125.15M |
| Total Equity Capital | $14.95M |
| Net Income | $395.00k |
| Net Loans and Leases | $87.75M |
| Assets Per Employee ($Millions) | $6.37M |
| Bank Premises and Fixed Assets | $2.22M |
| Cash and Balances due from Depository Institutions | $7.22M |
| Deposits Held in Domestic Offices | $111.35M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 10.84% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 69.81% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.67% |
| Earning Assets to total Assets | 92.82% |
Income and Expense
| Total Interest Income | $1.55M |
| Total Noninterest Income | $99.00k |
| Total Interest Expense | $338.00k |
| Total Noninterest Expense | $918.00k |
| Net Interest Income | $1.22M |
| Pre-tax Net Operating Income | $397.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.00M |
| All Other Liabilities | $803.00k |
| Total Liabilities and Capital | $140.10M |
Securities
| Securities | $37.38M |
| Available-for-sale debt securities | $37.38M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Philo Exchange Bank?
$140.10M as of the latest filing.
How much are Philo Exchange Bank's total deposits?
$111.35M in total deposits.
Where is Philo Exchange Bank located?
Philo, IL.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1883.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$87.75M (latest filing).
What is the total interest income (latest filing)?
$1.55M.