BlastPoint's Banking Scorecard
Collinsville Building and Loan Association
Designations: ✓ Mutual
Collinsville, IL
Collinsville Building and Loan Association has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.7% in tier
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Liquidity Strain: Bottom 19.1% in tier
- - Deposit Outflow: Bottom 36.6% in tier
- - Capital Constraint: Bottom 94.4% in tier
- - Return on Assets 1.21% below tier average
- - Net Interest Margin 1.54% below tier average
- - Efficiency Ratio 33.69% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.1M
-2.7% YoY
+0.4% QoQ
|
-$270.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.8% in tier |
| Total Loans ? |
$82.6M
-4.0% YoY
-1.4% QoQ
|
-$173.1M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$81.3M
-4.1% YoY
+0.6% QoQ
|
-$246.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.0% in tier |
| Return on Assets ? |
0.06%
+46.1% YoY
-41.3% QoQ
|
-1.21% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.0% in tier |
| Net Interest Margin ? |
2.39%
+10.1% YoY
+3.4% QoQ
|
-1.54% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio ? |
98.97%
-2.1% YoY
-0.3% QoQ
|
+33.69% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate ? |
0.10%
+6.8% YoY
+0.2% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
101.69%
+0.1% YoY
-2.0% QoQ
|
+25.05% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.64%
+35.3% YoY
+9.0% QoQ
|
-21.38% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.9% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+5.4% YoY
-1.7% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
29.78%
+3.4% YoY
+1.2% QoQ
|
+13.95% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 3.9% in tier |
| Non-Interest Income / Assets ? |
0.00%
+2.8% YoY
-88.9% QoQ
|
-0.28% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.5% in tier |
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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 (5)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.