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Collins State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 14914

Collins, WI

6 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI
View $100M-$1B leaderboard (WI) →

Collins State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 42.5% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.16% below tier average
  • - Efficiency Ratio 0.29% above tier average
Get updates when Collins State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $288.2M
+9.8% YoY -2.1% QoQ
-$97.8M $386.1M
+0.5% YoY
$1.1B
+10.1% YoY
$6.2B
+9.1% YoY
44%
Total Loans ? $242.0M
+16.7% YoY +4.0% QoQ
-$13.7M $255.7M
+1.1% YoY
$816.7M
+9.9% YoY
$3.2B
+10.8% YoY
58%
Total Deposits ? $254.5M
+13.3% YoY -0.7% QoQ
-$73.5M $328.0M
+0.1% YoY
$905.4M
+9.0% YoY
$4.8B
+8.2% YoY
45%
Return on Assets ? 1.03%
+42.9% YoY +16.1% QoQ
-0.24% 1.27%
+12.9% YoY
1.50%
+15.4% YoY
1.23%
+13.4% YoY
40%
Net Interest Margin ? 3.77%
+5.7% YoY +1.6% QoQ
-0.16% 3.93%
+6.0% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
45%
Efficiency Ratio ? 65.57%
-11.9% YoY -5.4% QoQ
+0.29% 65.29%
-4.5% YoY
64.74%
-4.5% YoY
66.95%
-4.1% YoY
43%
Delinquency Rate ? 0.34%
-3.8% QoQ
-0.55% 0.89%
+18.8% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
55%
Loan-to-Deposit Ratio ? 95.11%
+3.0% YoY +4.8% QoQ
+18.47% 76.64%
+0.8% YoY
86.53%
+1.6% YoY
76.70%
+0.9% YoY
15%
Non-Interest-Bearing Deposit Share ? 18.49%
-8.9% YoY -6.1% QoQ
-3.53% 22.02%
-1.0% YoY
18.27%
-0.8% YoY
22.01%
-1.2% YoY
38%
Nonperforming Asset Ratio ? 0.29%
+2.2% QoQ
-0.35% 0.64%
+19.7% YoY
0.63%
+35.0% YoY
0.67%
+19.3% YoY
52%
Tier 1 Capital Ratio ? 10.59%
-2.8% YoY -0.9% QoQ
-5.24% 15.83%
+1.5% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.11%
+8.1% YoY -68.7% QoQ
-0.17% 0.28%
+9.3% YoY
1.15%
+12.5% YoY
0.32%
+4.1% YoY
59%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#557 of 1308 • Bottom 42.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.34%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2258
Loan-to-Deposit Ratio
liquidity
Value: 95.11%
Peer Median: 76.64%
#2258 of 2664 Bottom 15.3% in $100M-$1B
2197
Tier 1 Capital Ratio
capital
Value: 10.59%
Peer Median: 15.83%
#2197 of 2664 Bottom 17.6% in $100M-$1B
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