BlastPoint's Banking Scorecard
Collinsville Building and Loan Association
Designations: ✓ Mutual
Collinsville, IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits -1.6% year over year ($82.7M on the books).
- Delinquency rate 0.10%.
- Return on assets 0.05%.
- Efficiency ratio 99.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Collinsville Building and Loan Association has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.1% in tier
- - Liquidity Strain: Bottom 11.1% in tier
- - Return on Assets 1.27% below tier average
- - Net Interest Margin 1.62% below tier average
- - Efficiency Ratio 34.86% above tier average
- - Non-Interest-Bearing Deposit Share 21.39% below tier average
- - Non-Interest Income / Assets 0.56% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.6M
-1.0% YoY
+1.2% QoQ
|
-$269.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.9% in tier |
| Total Loans ? |
$82.5M
-4.3% YoY
-0.2% QoQ
|
-$175.8M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.7% in tier |
| Total Deposits ? |
$82.7M
-1.6% YoY
+1.8% QoQ
|
-$244.0M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.2% in tier |
| Return on Assets ? |
0.05%
+38.1% YoY
-9.3% QoQ
|
-1.27% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.7% in tier |
| Net Interest Margin ? |
2.37%
+5.9% YoY
-0.9% QoQ
|
-1.62% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio ? |
99.34%
-1.6% YoY
+0.4% QoQ
|
+34.86% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate ? |
0.10%
-4.0% YoY
-1.1% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
99.70%
-2.7% YoY
-2.0% QoQ
|
+21.75% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.64%
+7.4% YoY
-0.7% QoQ
|
-21.39% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-7.2% YoY
-2.5% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
29.50%
+2.6% YoY
-1.0% QoQ
|
+13.59% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 4.2% in tier |
| Non-Interest Income / Assets ? |
0.00%
+26.3% YoY
+146.9% QoQ
|
-0.56% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.6%
0.0pp YoY 0.0pp QoQ |
-21.5pp | 22.1% | 20.1% | 22.2% | 0% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 14.7% | 12.5% | n/a |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
100.1%
+1.2pp YoY 0.0pp QoQ |
+67.5pp | 32.6% | 28.3% | 31.3% | 100% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.4% | 5.0% | 1% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
29.5%
+0.7pp YoY -0.3pp QoQ |
+17.3pp | 12.2% | 12.2% | 12.6% | 99% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY 0 QoQ |
-44 | 58 | 228 | 482 | 4% |
| Assets per Employee ($) |
$7.8M
-1.0% YoY +1.2% QoQ |
+$320K | $7.5M | $8.3M | $8.8M | 65% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 18% |
| Allowance Coverage |
7.46x
+1.6% YoY +1.3% QoQ |
-16.70x | 24.15x | 5.62x | 20.23x | 78% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.2%
0.0pp YoY 0.0pp QoQ |
-12.0pp | 12.2% | 10.5% | 11.6% | 3% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$31,000
+34.8% YoY — QoQ |
-$2.5M | $2.6M | $11.7M | $40.4M | 4% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.