Philo Exchange Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152M | $126M | $85M | $15M | $388K | 1.03% | 10.07% | 3.66% | 0.03% |
| Q4 2025 | $149M | $123M | $91M | $16M | $421K | 1.11% | 10.94% | 3.87% | 0.14% |
| Q3 2025 | $140M | $111M | $88M | $15M | $395K | 1.10% | 10.92% | 3.69% | 0.14% |
| Q2 2025 | $135M | $110M | $85M | $14M | $429K | 1.08% | 10.97% | 3.66% | 0.15% |
| Q1 2025 | $137M | $113M | $83M | $13M | $310K | 0.90% | 9.46% | 3.52% | 0.45% |
| Q4 2024 | $139M | $106M | $86M | $13M | $303K | 0.73% | 8.06% | 3.27% | 0.45% |
| Q3 2024 | $134M | $107M | $86M | $13M | $207K | 0.68% | 7.51% | 3.29% | 0.39% |
| Q2 2024 | $133M | $108M | $82M | $12M | $236K | 0.71% | 8.05% | 3.32% | 0.43% |
| Q1 2024 | $130M | $117M | $80M | $12M | $233K | 0.70% | 8.07% | 3.37% | 0.03% |
| Q4 2023 | $135M | $116M | $80M | $12M | $303K | 0.77% | 10.14% | 3.08% | 0.04% |
| Q3 2023 | $140M | $120M | $76M | $10M | $208K | 0.72% | 9.90% | 3.05% | 0.06% |
| Q2 2023 | $130M | $117M | $68M | $10M | $275K | 0.79% | 10.64% | 3.10% | 0.08% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.