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Philo Exchange Bank


Philo Exchange Bank is an FDIC insured institution headquartered at 102 W Washington St, Philo, IL 61864.
It was founded in 1883 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - July 03, 2026

SAVINGS RATES APY MIN
Savings
0.15% $1 Compare
CD RATES APY MIN
6 Mo CD
0.40% $1,000 Compare
12 Mo CD
0.55% $1,000 Compare
18 Mo CD
0.70% $1,000 Compare
24 Mo CD
0.85% $5,000 Compare
30 Mo CD
0.90% $5,000 Compare
MM RATES APY MIN
Money Market
0.20% $2,500 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5722
Date Established 1883
Assets $ 149.40 million
Loans $ 90.84 million
Deposits $ 122.85 million
Capital $ 15.69 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 12.51 million
Interest-bearing balances $ 9.53 million
Total securities $ 37.71 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 90.84 million
Loan loss allowance $ 0.92 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.23 million
All other assets $ 2.33 million
     Total Assets $ 133.71 million

LIABILITIES
Total deposits $ 122.85 million
      Interest-bearing deposits $ 78.53 million
      Deposits held in domestic offices $ 122.85 million
      % insured (estimated)" 84.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.55 millionn
      Total Liabilities $ 133.71 million
      Shareholders’ Equity $ 15.69 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 6.41 million
Total Interest Expense $ 1.37 million
Net interest income $ 5.04 million
Provision for loan and lease losses $ 0.11 million
Total non interest income $ 0.33 million
Total non interest expense $ 3.55 million
Pre-tax Net Operating Income $ 0.24 million

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