Is Philo Exchange Bank Safe?
Philo Exchange Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (49/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.17% | 100/100 |
| Nonperforming Loan Ratio | 0.43% | 91/100 |
| Liquidity Ratio | 33.17% | 100/100 |
| Return on Assets | 0.72% | 49/100 |
| Total Assets | $0.1B | |
How does Philo Exchange Bank compare?
With a Bank Health Score of 92/100, Philo Exchange Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Philo Exchange Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 15.17% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.43% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Philo Exchange Bank's Bank Health Score fell by 3.0 points to 92/100. Tier 1 capital weakened by 0.20 percentage points to 15.17%. Quarter-over-quarter, the score fell by 3.0 points.
Philo Exchange Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (49/100).