BlastPoint's Banking Scorecard
Philo Exchange Bank
Philo, IL
6 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +18.3% year over year ($130.3M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.01%.
- Efficiency ratio 71.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.64% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Philo Exchange Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 7.04% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.6M
+15.9% YoY
+3.0% QoQ
|
-$230.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$88.1M
+3.2% YoY
+3.3% QoQ
|
-$170.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.8% in tier |
| Total Deposits ? |
$130.3M
+18.3% YoY
+3.4% QoQ
|
-$196.5M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.01%
-6.6% YoY
-2.3% QoQ
|
-0.32% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.62%
-1.2% YoY
-1.1% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
71.52%
+2.0% YoY
+0.3% QoQ
|
+7.04% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.02%
-83.5% YoY
-11.2% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
67.64%
-12.8% YoY
-0.1% QoQ
|
-10.31% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
30.34%
-1.1% YoY
-7.1% QoQ
|
+8.31% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.05%
-51.9% YoY
-5.6% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.18%
-3.7% YoY
+1.7% QoQ
|
-5.73% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.7% in tier |
| Non-Interest Income / Assets ? |
0.11%
-4.0% YoY
+95.3% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.3%
-0.4pp YoY -2.3pp QoQ |
+8.2pp | 22.1% | 20.1% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
+3.6pp YoY +1.5pp QoQ |
-5.8pp | 11.6% | 14.7% | 12.5% | 24% |
| CRE |
31.6%
-0.1pp YoY +0.7pp QoQ |
-8.0pp | 39.5% | 37.9% | 41.4% | 37% |
| 1-4 Family |
17.8%
+1.6pp YoY +0.9pp QoQ |
-14.8pp | 32.6% | 28.3% | 31.3% | 25% |
| Consumer |
3.7%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 4.1% | 5.4% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.2%
-0.4pp YoY +0.2pp QoQ |
-2.0pp | 12.2% | 12.2% | 12.6% | 35% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
+2 (+8.7%) YoY +1 (+4.2%) QoQ |
-34 | 58 | 228 | 482 | 19% |
| Assets per Employee ($) |
$6.3M
+6.7% YoY -1.1% QoQ |
-$1.3M | $7.5M | $8.3M | $8.8M | 38% |
| Branch Count |
6
+1 (+20.0%) YoY +1 (+20.0%) QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 6% |
| Allowance Coverage |
39.05x
+524.9% YoY +9.1% QoQ |
+14.89x | 24.15x | 5.62x | 20.23x | 93% |
| Net Charge-off Rate (YTD) |
0.1%
+0.2pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
-1.0pp YoY -0.1pp QoQ |
-2.3pp | 12.2% | 10.5% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 13% |
| Net Income ($, YTD) |
$768,000
+3.9% YoY — QoQ |
-$1.8M | $2.6M | $11.7M | $40.4M | 19% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.