BlastPoint's Banking Scorecard
Collinsville Building and Loan Association
Micro
Specialty: Mortgage
IL
FDIC cert 28103
Designations: ✓ Community bank ✓ Mutual
Collinsville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Collinsville Building and Loan Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Net Interest Margin 1.55% below tier
- - Efficiency Ratio 31.53% above tier
- - Loan-to-Deposit Ratio 29.24% above tier
- - Non-Interest-Bearing Deposit Share 21.80% below tier
- - Non-Interest Income / Assets 0.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.6M
-3.4% YoY
-0.8% QoQ
|
-$101.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$83.9M
-2.4% YoY
-1.7% QoQ
|
-$55.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$80.8M
-5.0% YoY
-1.2% QoQ
|
-$102.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.10%
+41.5% YoY
+93.4% QoQ
|
-0.98% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.31%
+8.1% YoY
+1.4% QoQ
|
-1.55% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
99.26%
-3.8% YoY
-0.8% QoQ
|
+31.53% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.10%
+1.2% YoY
-3.0% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
103.77%
+2.8% YoY
-0.5% QoQ
|
+29.24% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.59%
-13.8% YoY
+21.0% QoQ
|
-21.80% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+2.3% YoY
-3.9% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.02%
+133.0% YoY
+159.3% QoQ
|
-0.55% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
99.26%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.77%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.59%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Total Loans
Current: $83.9M · Tier avg: $139.2M
27
27th pctile
Total Assets
Current: $115.6M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $80.8M · Tier avg: $183.7M
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.77% · Tier avg: 74.53%
5
5th pctile
Efficiency Ratio
Current: 99.26% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.59% · Tier avg: 22.39%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.59% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 99.26% · Tier avg: 67.73%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.77% · Tier avg: 74.53%
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
22
22th pctile
Total Deposits
Current: $80.8M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $115.6M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $83.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%