PackageTrendsPeer
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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 $0.0MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $82.2M1%Noninterest $0.5MQ2 2025Q2 2026

NIM

3.76%Q2 ’243.92%Q2 ’253.94%Q2 ’26+5%+2%

Non-interest income vs. expense

2.00%Q2 ’242.28%Q2 ’252.31%Q2 ’26+14%+1%

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 2.30%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.05%+1 bps YoY

Net Interest Margin (quarter, annualized)

2.30%+5 bps YoY

Efficiency Ratio (quarter, annualized)

99.70%-118 bps YoY

Tier 1 Leverage Ratio

29.50%+74 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.08%0.25%0.06%0.05%+1 bps
Return on Equity0.13%0.27%0.84%0.20%0.16%+3 bps
Net Interest Margin2.25%2.30%2.35%2.35%2.30%+5 bps
Efficiency Ratio100.89%98.39%96.85%98.97%99.70%-118 bps
Non-Interest Burden2.27%2.26%2.27%2.32%2.30%+3 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 / Loans0.10%0.10%0.10%0.10%0.10%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.73%0.73%0.70%0.71%0.71%-2 bps
Allowance Coverage of NPLs7.3x7.4x7.3x7.4x7.5x+0.1x
Capital
Tier 1 Leverage Ratio28.75%29.05%29.43%29.78%29.50%+74 bps
Total Risk-Based Capital28.75%29.05%29.43%29.78%29.50%+74 bps
Equity / Assets28.95%29.51%29.82%29.70%29.35%+40 bps
Liquidity & Funding
Loans / Deposits103.21%105.07%104.50%102.41%100.41%-280 bps
Liquid Assets / Assets25.83%25.13%25.80%27.14%28.16%+234 bps
CRE / Total Capitaln/a2.95%3.37%1.50%n/an/a