Collinsville Building and Loan Association: how it compares with its peers
Against 118 IL banks with half to twice its assets, Collinsville Building and Loan Association's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (2.37% vs. 3.76%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.05% | 1.08% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.37% | 3.76% | Bottom third Ahead of 1% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 99.34% | 66.35% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.1M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.70% | 69.12% | Context |
What it means for lending operations
Its efficiency ratio of 99.34% is above the 66.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Granville National Bank Granville, IL · $118M
- The State Bank of Geneva Geneva, IL · $116M
- American Metro Bank Chicago, IL · $119M
- First Community Bank of Moultrie County Sullivan, IL · $120M
- The First National Bank of Sparta Sparta, IL · $115M
- Exchange State Bank Lanark, IL · $113M
Questions about Collinsville Building and Loan Association
How big is Collinsville Building and Loan Association?
Collinsville Building and Loan Association, established in 1885, is headquartered in Collinsville, IL. It reported $118M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Collinsville Building and Loan Association's return on assets?
0.05% annualized in Q2 2026, against a 1.08% median for 118 IL banks with half to twice its assets, ahead of 4% of them.
What is Collinsville Building and Loan Association's efficiency ratio?
99.34% in Q2 2026: it spent about 99 cents in noninterest expense for each dollar of revenue. The peer median is 66.35%, and lower is better.
Is Collinsville Building and Loan Association growing its loans?
Net loans shrank 4.3% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.