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
Unfavorable gap of $2.7M · efficiency ratio beats 5% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.64% | 1.04% | 1.26% | Beats 8% | 37 / 40 | |
| Return on Equity | 0.18% | 6.25% | 9.97% | 13.41% | Beats 8% | 37 / 40 | |
| Net Interest Margin | 2.31% | 3.09% | 3.22% | 3.62% | Beats 3% | 39 / 40 | |
| Efficiency Ratio | 99.34% | 57.08% | 64.37% | 75.86% | Beats 5% | 39 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.14% | 0.62% | 1.92% | Beats 84% | 7 / 38 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 100% | 9 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 29.50% | 10.29% | 12.88% | 15.77% | Beats 93% | 3 / 40 | |
| Total Risk-Based Capital Ratio | 29.50% | 10.64% | 13.30% | 17.01% | Beats 90% | 4 / 40 | |
| Equity / Assets | 29.35% | 8.59% | 9.46% | 12.46% | Beats 95% | 2 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 100.41% | 66.12% | 79.48% | 94.60% | 90th pctl | 4 / 40 | |
| Loans / Assets | 70.67% | 54.69% | 68.52% | 77.46% | 60th pctl | 16 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |