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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.04%	0.05%	0.10%	0.06%	0.05%	+1 bps
Return on Equity	0.13%	0.18%	0.34%	0.20%	0.18%	+5 bps
Net Interest Margin	2.19%	2.24%	2.29%	2.35%	2.32%	+12 bps
Efficiency Ratio	100.99%	100.10%	99.26%	98.97%	99.34%	-165 bps
Non-Interest Burden	2.21%	2.24%	2.27%	2.32%	2.30%	+8 bps
Growth
Asset Growth (YoY)	-3.25%	-2.27%	-3.43%	-2.69%	-1.01%	+225 bps
Loan Growth (YoY)	-2.26%	-1.77%	-2.42%	-4.00%	-4.31%	-205 bps
Deposit Growth (YoY)	-4.72%	-3.42%	-5.03%	-4.06%	-1.64%	+308 bps
Asset Quality
Nonperforming Loans / Loans	0.10%	0.10%	0.10%	0.10%	0.10%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.73%	0.73%	0.70%	0.71%	0.71%	-2 bps
Allowance Coverage of NPLs	7.3x	7.4x	7.3x	7.4x	7.5x	+0.1x
Capital
Tier 1 Leverage Ratio	28.75%	29.05%	29.43%	29.78%	29.50%	+74 bps
Total Risk-Based Capital	28.75%	29.05%	29.43%	29.78%	29.50%	+74 bps
Equity / Assets	28.95%	29.51%	29.82%	29.70%	29.35%	+40 bps
Liquidity & Funding
Loans / Deposits	103.21%	105.07%	104.50%	102.41%	100.41%	-280 bps
Liquid Assets / Assets	25.83%	25.13%	25.80%	27.14%	28.16%	+234 bps
CRE / Total Capital	n/a	2.95%	3.37%	1.50%	n/a	n/a