# PHILO EXCHANGE BANK
PHILO, IL · FDIC certificate 5722 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $156.6M | |
| Deposits | $130.3M | |
| Loans and leases | $89.0M | |
| Total equity | $15.5M | |
| Loans / deposits | 67.64% (p41 of band) | 73.59% |
| Liquid assets / assets | 38.13% (p60 of band) | |
| Uninsured deposits / deposits | 17.54% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.39% (p77 of band) | |
| FHLB advances / assets | 6.39% | |
| Tier 1 leverage | 10.18% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -8.52% (p44 of band) | -6.57% |
| AOCI / equity | -1.75% (p15 of band) | |
| ROA (annualized) | 1.01% (p40 of band) | 1.17% |
| Net interest margin | 3.62% (p34 of band) | 3.93% |
| Efficiency ratio | 71.52% (p64 of band) | |
| Noncurrent loans | 0.02% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p84 of band) | |
| Reserve coverage of noncurrent | 3904.55% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 1.22% (p21 of band) | |
| Auto loans | $1.3M (1.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.3% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | NIM <2.5% |
| 2014-03 | 1 | NIM <2.5% |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | NIM <2.5%, uninsured deposits leaving |
| 2015-03 | 4 | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 |  | NIM <2.5%, assets shrinking, uninsured deposits leaving |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, NIM <2.5% |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | uninsured deposits leaving | NIM <2.5% |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 2 |  | deposits shrinking, assets shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 2 | deposits shrinking, assets shrinking |  |
| 2024-06 | 2 | uninsured deposits leaving | assets shrinking |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2025-03 | 2 |  | deposits shrinking |
| 2025-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, charge-offs p90 |  |
| 2026-06 | 0 |  | capital falling, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-29 [Lynne Wilkinson Obituary (1944 - 2026) - Philo, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPblRheE9DY201b2tWN2ZiMXpqeXNMaE9Qc2tycS0zSGY5MmNpYkI2dlBrTFZUMmJXNHQzUjBQOGNpQ2pCUmVmYU9Jb0ZUSTYzbXJzWHFOREg0eVZsU2NxYk9OZVdfMmZ4UV9HVnJVTWtnNzZYRWMyd0ZxR2NfNGxNb05xa2xCUnlyNjJ6MFhhR0Q2UE9ETnc?oc=5) · legacy.com
- 2023-06-09 [Our Town St. Joseph: St. Joseph Community Bank, a facility of Philo Exchange Bank - WCIA.com](https://news.google.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?oc=5) · WCIA.com
- 2020-03-09 [Beyond the Boardroom: Kevin Rogers | Banking - The News-Gazette](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQNXR2X0hrT0dsNWZpZXBsX1N5NHlmNElCM1pNYzl4TVV4Y1VxeWRVcXBUQlhDR2ZQNzYwck9kaWo3S05OSGxJVXlCY251SElxRV9RQ21HZ2IzZzFFc01SNi1QSTR6Z1VTQnAzNzl1ZFNZRDdMZk1SR2FFWXNhbXJ1ek11MlpiRExNMzFFTUdlQTUyZ3ZrV2ZCSFpHa0RLdlY2US1JUUpNWkZiSzZILUNkdGJsOHNPT1JIX2UxNDROUk96SHpkSUl6Uw?oc=5) · The News-Gazette
- 2018-04-19 [Ralph James Allen Obituary Apr 19, 2018 - Renner-Wikoff Chapel & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE4weTI0VEZFMFdtRnNsdGMyWk5pakM2LWVPZDExYVpSeEpHZFNVWHBycnpRTGwzMFp1WTFkWENjRy1waHNFcVdxUG82YXVvQlZ3QS1tX1FrTnN4eWlTRldlbi1wZHgwc2g0OEE?oc=5) · Renner-Wikoff Chapel &amp; Crematory
- 2025-03-11 [2025 Master Farmers: What their friends say - Farm Progress](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRmd5THFDRk1tTU93Ynh1N2hCRE1kZm85NFV0Szh2V3dJY2ViZ2FFRkEycnFWWjUxY0U3c3B5ZXZkeFVxWkFqdUNlbjl1N1pjT2c5amNoZEtDemtCemlVZUpOak5kSFRuRk1DbWZEQmdKYmZxT0tBT1F1QjFVUExsM3JzY2RPaUtZVVIyalZ5bnAwejg?oc=5) · Farm Progress
- 2022-12-31 [Beyond the Boardroom: First State Bank's Becky Preston - The News-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDNxZ2JOc3NCZC10ckhqTW4yNld1TFd3MVB5TEdzdXFHMnhzdXdCSjRHcDA3YmhZT3pOMnQtME16VFBrMzJFQjk2OWI0WlhLekpUb04wZW5TSUdueWd2N1JmbjJWMUktQUY5VU9JVGJSTTZwVWRaMzhxcWJJMVMtankwZWthYjBfQnVfWVhUa0czZTB4am9RXzc5QS1hU2M1clUxWjlnc29pOTFhNnhtekQ0ZzhqdGE4SklQb2pkWFl6VlNfaHh5SkF0RWt2NTlqNFk4Y1YxcVhhR0haSThkRzBB?oc=5) · The News-Gazette
- 2024-03-12 [Donald Rice Obituary (2024) - Sidney, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSnhiS1dVMGFMdGY1NFFlMURhY2hsT2xqMDc2bTdGS0h3cGhXN1NkQVdQSzRTNG5PQVBscFozY3JnNkViVWR5WS0xdDRGSjU1OEtoYTNROURub3pUVnVUbkFoVjdwN2dvN1hJMktVcGIteklPNDFEQTZrbmdnZ1RHVDVkMThobWtVWXFYTjJQSU0?oc=5) · legacy.com
- 2020-09-10 [Philo golf cart - The News-Gazette](https://news.google.com/rss/articles/CBMilwFBVV95cUxONzEwblFOeVBaT2pBX2FvWkxpNEoxN2VEMmpiYVBKTVFhZE5CUmtmZTdkYWMtMDg0aENrSlRYdGtCaTJ5Ykxyd3JQRTdmbWxSVWlWWTFwMnhDVXhoZVhwTlgtQ0RxMl9aUGx0OC1tYTB6Y3VrdElnNFVkdzFsMHNfalJLWTdUT0Vwc3ZGRGZSWXVuZ0VhVWtn?oc=5) · The News-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5722 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "5722", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide