Collinsville Building and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Collinsville Building and Loan Association is an FDIC-insured savings institution headquartered in Collinsville, IL, established in 1885 (FDIC certificate 28103), and it is supervised by the OCC. At Q2 2026 it reported total assets of $117.6M, down 1.0% from Q2 2025, the 251st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 29.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28103
- Headquarters
- Collinsville, IL
- Established
- 1885
- Total assets, Q2 2026
- $117.6M
- Assets vs Q2 2025
- -1.0%
- Tier 1 leverage ratio, Q2 2026
- 29.50%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 281070901
- Latest call report
- Q2 2026, FFIEC 051 · Collinsville Building and Loan Association Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 251st of 319 in Illinois
Collinsville Building and Loan Association spends more to run itself than most banks of its size. Based in Collinsville, Illinois, it had $118 million in assets at June 30, 2026, down 1.0% from a year earlier. It earns about $0.05 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 100 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 27% from a year earlier, to $14,000. Its margin is thin by comparison: it keeps 2.32 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
As of June 30, 2026, Collinsville Building and Loan Association reported a return on assets of 0.05%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Collinsville Building and Loan Association is the 251st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $117.6M, loans fell 0.2% and deposits rose 1.8%. 1-4 family residential loans made up 99.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 0.5%. The FDIC Summary of Deposits lists a single office for it, in Collinsville, IL. Judged on its Q2 2026 call report, Collinsville Building and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 701 Belt Line Rd, Collinsville, IL 62234
- County
- Madison
- Metro Area
- St. Louis, MO-IL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1885
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $82.7M
- Allowance for credit losses
- $589K
- Net charge-offs (YTD)
- $0
- Average total assets
- $117.0M
- Average total loans
- $83.3M
- Average interest-bearing deposits
- $81.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28103
- Fed RSSD
- 658474
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Collinsville Building and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Collinsville Building and Loan Association's total assets ranged from $115.6M (Q4 2025) to $126.9M (Q3 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$117.6M total assets against $118.8M; $83.1M total liabilities against $84.4M.
$82.5M net loans and leases against $86.2M; $82.7M total deposits against $84.1M.
$22.1M securities against $23.4M; $11.2M cash and balances due against $7.4M.
$1.2M total interest income against $1.2M; $477K total interest expense against $498K.
$674K net interest income against $673K.
$3K total noninterest income against $2K; $675K total noninterest expense against $681K.
$0 provision for credit losses against $0.
$14K net income against $11K.
0.05% return on assets against 0.04%; 2.32% net interest margin against 2.27%.
29.50% tier 1 leverage ratio against 28.75%.
Inside the full Collinsville Building and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Collinsville Building and Loan Association rankings
Its closest position to the top of a national ranking is 3,535 of 4,196, for total assets; its furthest is 3,549 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.04% (Q2 2025) to 0.25% (Q4 2025) and its net interest margin ran from 2.10% (Q4 2024) to 2.38% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.50% | 0.05% | 0.10% | 0.23% | 2.32% |
| Q1 2026 | 29.78% | 0.06% | 0.10% | 0.23% | 2.37% |
| Q4 2025 | 29.43% | 0.25% | 0.10% | 0.23% | 2.38% |
| Q3 2025 | 29.05% | 0.08% | 0.10% | 0.24% | 2.32% |
| Q2 2025 | 28.75% | 0.04% | 0.10% | 0.25% | 2.27% |
| Q1 2025 | 28.79% | 0.04% | 0.09% | 0.22% | 2.15% |
| Q4 2024 | 28.46% | 0.13% | 0.09% | 0.23% | 2.10% |
| Q3 2024 | 28.27% | 0.14% | 0.09% | 0.23% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Collinsville Building and Loan Association (main office) | Collinsville , IL | 62234 | $82.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1985 | Structure Change | Acquired Troy Savings and Homestead Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 309 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 50 loans originated, $9.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Collinsville Building and Loan Association
What are Collinsville Building and Loan Association's total assets?
As of the Q2 2026 filing, Collinsville Building and Loan Association reported total assets of $117.6 million in its FFIEC call report.
Where is Collinsville Building and Loan Association headquartered?
It is headquartered in Collinsville, IL, United States.
When was Collinsville Building and Loan Association founded?
It was established in 1885, per the FDIC institution directory.
Is Collinsville Building and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Collinsville Building and Loan Association?
Collinsville Building and Loan Association's primary federal regulator is the OCC.
How many branches does Collinsville Building and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Collinsville Building and Loan Association's Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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