TellerScore

Collinsville Building and Loan Association is a savings bank headquartered in Collinsville, Illinois, in business for about 141 years. At the end of Q2 2026 it reported $117.6M in total assets and $82.7M in deposits, with 1 office.

Based on its Q2 2026 filing, Collinsville Building and Loan Association scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 84th. Its strongest component is capital cushion (100/100; 29.50%), and its lowest is earnings (22/100; 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 29.50%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 99.7% · 5.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
777878Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202477
Q4 202478
Q1 202578
Q2 202577
Q3 202577
Q4 202577
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%17.39%29.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202427.81%
Q3 202428.27%
Q4 202428.46%
Q1 202528.79%
Q2 202528.75%
Q3 202529.05%
Q4 202529.43%
Q1 202629.78%
Q2 202629.50%
Noncurrent loans
0.00%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.09%
Q4 20240.09%
Q1 20250.09%
Q2 20250.10%
Q3 20250.10%
Q4 20250.10%
Q1 20260.10%
Q2 20260.10%
Return on assets
0.01%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.05%
Q4 20240.07%
Q1 20250.04%
Q2 20250.04%
Q3 20250.05%
Q4 20250.10%
Q1 20260.06%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$117.6M29.50%0.10%0.05%99.7%
Q1 202678$116.1M29.78%0.10%0.06%101.7%
Q4 202577$115.6M29.43%0.10%0.10%103.8%
Q3 202577$116.6M29.05%0.10%0.05%104.3%
Q2 202577$118.8M28.75%0.10%0.04%102.5%
Q1 202578$119.3M28.79%0.09%0.04%101.6%
Q4 202478$119.7M28.46%0.09%0.07%101.0%
Q3 202477$119.3M28.27%0.09%0.05%102.5%
Q2 202478$122.8M27.81%0.00%0.01%99.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio29.50%
99th
Total risk-based capital0.00%
24th
Problem loans0.10%
74th
Net charge-offs0.00%
68th
Return on assets0.05%
4th
Net interest margin2.37%
2nd
Efficiency ratio99.3%
2nd
Loans to deposits99.7%
11th
Uninsured deposits5.8%
99th
Loan-loss reserves0.71%
8th
Texas ratio0.2%
83rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Granville National BankBank Granville, IL61 out of 100, Moderate$118.4M11.1%2.21%vs
The State Bank of GenevaBank Geneva, IL75 out of 100, Strong$116.2M11.8%0.16%vs
American Metro BankBank Chicago, IL76 out of 100, Strong$119.1M13.1%0.00%vs
First Community Bank of Moultrie CountyBank Sullivan, IL74 out of 100, Strong$119.7M9.1%0.10%vs
The First National Bank of SpartaBank Sparta, IL84 out of 100, Strong$114.6M12.6%0.56%vs
Exchange State BankBank Lanark, IL83 out of 100, Strong$112.7M11.5%0.05%vs

Deposit insurance

Is my money safe at Collinsville Building and Loan Association?

Yes. Collinsville Building and Loan Association is an FDIC-insured institution (FDIC certificate #28103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.8% of deposits ($4.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 29.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Collinsville Building and Loan Association lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Collinsville Building and Loan Association reported 63 home-loan applications under HMDA (LEI 549300QV6YJK6ZDZPV54): 50 originated ($9,260,000 total), 2 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Collinsville Building and Loan Association
Type
Savings bank
FDIC certificate #
28103
RSSD ID
658474
Primary regulator
OCC
Established
January 1, 1885
Headquarters
701 Belt Line Rd, Collinsville, IL 62234
Employees
15

Quick answers

Collinsville Building and Loan Association: common questions

Is Collinsville Building and Loan Association FDIC insured?

Yes. Collinsville Building and Loan Association is an FDIC-insured institution (FDIC certificate #28103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Collinsville Building and Loan Association's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Collinsville Building and Loan Association ever failed?

There is no failure record for FDIC certificate #28103 in the FDIC failed bank list.

How many branches does Collinsville Building and Loan Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Collinsville

InstitutionScoreAssetsCapitalProblem loansCompare
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
State Employees Community Credit UnionCredit union Alton, IL89 out of 100, Very strong$6.7M20.0%0.00%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Midwest Members Credit UnionCredit union Wood River, IL85 out of 100, Very strong$226.6M13.6%0.44%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs