Philo Exchange Bank is a state-chartered bank headquartered in Philo, Illinois, in business for about 143 years. At the end of Q2 2026 it reported $156.6M in total assets and $130.3M in deposits, with 6 offices.
Based on its Q2 2026 filing, Philo Exchange Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 105th. Its strongest component is loan quality (99/100; 0.02%), and its lowest is capital cushion (52/100; 10.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 75 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.68% |
| Q3 2024 | 10.41% |
| Q4 2024 | 10.31% |
| Q1 2025 | 10.26% |
| Q2 2025 | 10.57% |
| Q3 2025 | 11.13% |
| Q4 2025 | 10.91% |
| Q1 2026 | 10.01% |
| Q2 2026 | 10.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.90% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $156.6M | 10.18% | 0.02% | 1.01% | 67.6% |
| Q1 2026 | 76 | $151.9M | 10.01% | 0.03% | 1.03% | 67.7% |
| Q4 2025 | 77 | $149.4M | 10.91% | 0.14% | 1.11% | 73.9% |
| Q3 2025 | 77 | $140.1M | 11.13% | 0.14% | 1.10% | 78.8% |
| Q2 2025 | 75 | $135.1M | 10.57% | 0.15% | 1.08% | 77.6% |
| Q1 2025 | 71 | $137.1M | 10.26% | 0.45% | 0.90% | 74.0% |
| Q4 2024 | 68 | $139.4M | 10.31% | 0.45% | 0.73% | 80.6% |
| Q3 2024 | 69 | $134.1M | 10.41% | 0.39% | 0.68% | 80.4% |
| Q2 2024 | 70 | $133.2M | 10.68% | 0.43% | 0.71% | 76.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of ArenzvilleBank Arenzville, IL | 76 out of 100, Strong | $158.7M | 8.8% | 0.05% | vs |
| Brickyard BankBank Lincolnwood, IL | 84 out of 100, Strong | $159.0M | 15.6% | 0.13% | vs |
| First State Bank of Campbell HillBank Campbell Hill, IL | 76 out of 100, Strong | $160.1M | 13.8% | 1.59% | vs |
| First Security BankBank Mackinaw, IL | 69 out of 100, Moderate | $151.1M | 9.2% | 0.00% | vs |
| The First National Bank of LitchfieldBank Litchfield, IL | 77 out of 100, Strong | $150.4M | 11.5% | 0.13% | vs |
| Heritage Bank of SchaumburgBank Schaumburg, IL | 83 out of 100, Strong | $150.0M | 10.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Philo Exchange Bank?
Yes. Philo Exchange Bank is an FDIC-insured institution (FDIC certificate #5722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($22.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Philo Exchange Bank lists 5 offices in 5 cities. Most locations:
- Allerton, IL (1)
- Broadlands, IL (1)
- Philo, IL (1)
- Saint Joseph, IL (1)
- Tolono, IL (1)
Identity & history
Profile
- Legal name
- Philo Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5722
- RSSD ID
- 667346
- Primary regulator
- FDIC
- Holding company
- Yankee Ridge Inc
- Established
- January 1, 1883
- Headquarters
- 102 W Washington St, Philo, IL 61864
- Website
- www.philobank.com
- Employees
- 25
Quick answers
Philo Exchange Bank: common questions
Is Philo Exchange Bank FDIC insured?
Yes. Philo Exchange Bank is an FDIC-insured institution (FDIC certificate #5722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Philo Exchange Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Philo Exchange Bank ever failed?
There is no failure record for FDIC certificate #5722 in the FDIC failed bank list.
How many branches does Philo Exchange Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Philo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of Champaign UrbanaBank Champaign, IL | 90 out of 100, Very strong | $192.5M | 12.7% | 0.09% | vs |
| Villa Grove State BankBank Villa Grove, IL | 86 out of 100, Very strong | $85.9M | 12.2% | 0.00% | vs |
| Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL | 86 out of 100, Very strong | $1.2M | 55.5% | 0.16% | vs |
| BankChampaign, National AssociationBank Champaign, IL | 84 out of 100, Strong | $242.8M | 11.8% | 0.00% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |