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Collinsville Building and Loan Association

Collinsville, IL · Cert 28103

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

5

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Collinsville Building and Loan Association

Collinsville, IL · Cert 28103

State savings bank · OCC · 1 branch

Q2 2026

$117.6MAssets
$83.1MLoans
$82.7MDeposits
$34.5MEquity
Loan mix
100%RE $83.2M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $82.2M1%Noninterest $0.5MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #80 of 111 inst. · $0.1B of $141.7B

Executive Summary

  • Earnings: ROA of 0.05%, up 1 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.50%, up 74 bps from a year ago.
  • Funding: loans stand at 100.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.05%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.32%+12 bps YoY

Efficiency Ratio (YTD, annualized)

99.34%-165 bps YoY

Tier 1 Leverage Ratio

29.50%+74 bps YoY

NIM

3.67%Q2 ’243.87%Q2 ’253.91%Q2 ’26+6%+6%

Non-interest income vs. expense

2.15%Q2 ’242.22%Q2 ’252.31%Q2 ’26+3%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.07%0.04%0.04%0.05%0.10%0.06%0.05%+1 bps
Return on Equity0.18%0.25%0.14%0.13%0.18%0.34%0.20%0.18%+5 bps
Net Interest Margin2.12%2.12%2.14%2.19%2.24%2.29%2.35%2.32%+12 bps
Efficiency Ratio100.31%103.19%101.09%100.99%100.10%99.26%98.97%99.34%-165 bps
Non-Interest Burden2.13%2.19%2.16%2.21%2.24%2.27%2.32%2.30%+8 bps
Growth
Asset Growth (YoY)-5.96%-3.22%-3.11%-3.25%-2.27%-3.43%-2.69%-1.01%+225 bps
Loan Growth (YoY)-4.78%-4.11%-2.88%-2.26%-1.77%-2.42%-4.00%-4.31%-205 bps
Deposit Growth (YoY)-8.27%-4.65%-4.45%-4.72%-3.42%-5.03%-4.06%-1.64%+308 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.09%0.10%0.10%0.10%0.10%0.10%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.82%0.73%0.73%0.73%0.73%0.70%0.71%0.71%-2 bps
Allowance Coverage of NPLs8.7x7.7x8.1x7.3x7.4x7.3x7.4x7.5x+0.1x
Capital
Tier 1 Leverage Ratio28.27%28.46%28.79%28.75%29.05%29.43%29.78%29.50%+74 bps
Total Risk-Based Capital28.27%28.46%28.79%28.75%29.05%29.43%29.78%29.50%+74 bps
Equity / Assets28.76%28.69%28.80%28.95%29.51%29.82%29.70%29.35%+40 bps
Liquidity & Funding
Loans / Deposits103.30%101.70%102.35%103.21%105.07%104.50%102.41%100.41%-280 bps
Liquid Assets / Assets25.74%26.73%26.31%25.83%25.13%25.80%27.14%28.16%+234 bps
CRE / Total Capitaln/an/an/an/a2.95%3.37%1.50%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Collinsville Building and Loan Association

Collinsville, IL · Cert 28103 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40)

State savings bank · OCC · 1 branch

Q2 2026

$117.6MAssets
$83.1MLoans
$82.7MDeposits
$34.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in the St. Louis, MO-IL area (rank 39 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.05%

Rank 37 of 40

Net Interest Margin

2.31%

Rank 39 of 40

Efficiency Ratio

99.34%

Rank 39 of 40

Equity / Assets

29.35%

Rank 2 of 40

Non-interest income vs. expense

$0.0M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 5% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 99.34%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.05%0.64%1.04%1.26%Beats 8%37 / 40
Return on Equity0.18%6.25%9.97%13.41%Beats 8%37 / 40
Net Interest Margin2.31%3.09%3.22%3.62%Beats 3%39 / 40
Efficiency Ratio99.34%57.08%64.37%75.86%Beats 5%39 / 40
Asset Quality
Nonperforming Loans / Loans0.10%0.14%0.62%1.92%Beats 84%7 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio29.50%10.29%12.88%15.77%Beats 93%3 / 40
Total Risk-Based Capital Ratio29.50%10.64%13.30%17.01%Beats 90%4 / 40
Equity / Assets29.35%8.59%9.46%12.46%Beats 95%2 / 40
Liquidity & Funding
Loans / Deposits100.41%66.12%79.48%94.60%90th pctl4 / 40
Loans / Assets70.67%54.69%68.52%77.46%60th pctl16 / 40
Brokered Deposits / Depositsn/aNot reported for this institution