BlastPoint's Banking Scorecard

Collins State Bank

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

Collins, WI

6 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +11.0% year over year ($260.6M on the books).
Delinquency rate 0.30%.
Return on assets 1.09%.
Efficiency ratio 64.30% vs a 64.48% peer average.
Loan-to-deposit ratio 98.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Collins State Bank has 2 strengths but faces 3 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

+ Efficiency Ratio 0.18% below tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 38.5% in tier
- ROA 0.23% below tier average
- Net Interest Margin 0.11% below tier average

Get updates when Collins State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$301.2M +10.6% YoY +4.5% QoQ	-$85.4M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$256.3M +17.2% YoY +5.9% QoQ	-$2.0M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$260.6M +11.0% YoY +2.4% QoQ	-$66.1M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	1.09% +41.4% YoY +5.8% QoQ	-0.23%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	3.87% +7.2% YoY +2.6% QoQ	-0.11%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	64.30% -11.9% YoY -1.9% QoQ	-0.18%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.30% -11.3% QoQ	-0.62%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	98.37% +5.6% YoY +3.4% QoQ	+20.41%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 12.1% in tier
Non-Interest-Bearing Deposit Share ?	18.34% -5.9% YoY -0.8% QoQ	-3.69%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	0.26% -10.1% QoQ	-0.41%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	10.33% -3.6% YoY -2.5% QoQ	-5.58%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 14.9% in tier
Non-Interest Income / Assets ?	0.26% +38.2% YoY +128.1% QoQ	-0.31%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	18.3% -1.1pp YoY -0.2pp QoQ	-3.8pp	22.1%	18.9%	22.2%	37%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	16.1% -1.0pp YoY 0.0pp QoQ	+4.5pp	11.6%	10.5%	12.5%	79%
CRE	46.5% +2.7pp YoY -0.4pp QoQ	+6.9pp	39.5%	46.4%	41.4%	64%
1-4 Family	33.1% -0.9pp YoY +0.4pp QoQ	+0.4pp	32.6%	32.3%	31.3%	58%
Consumer	0.9% -0.7pp YoY -0.1pp QoQ	-3.2pp	4.1%	2.6%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	10.3% -0.4pp YoY -0.3pp QoQ	-8.5pp	18.8%	15.5%	19.7%	4%
Leverage Ratio	8.7% +0.3pp YoY +0.3pp QoQ	-3.4pp	12.2%	12.6%	12.6%	9%
Total Capital Ratio	11.1% -0.4pp YoY -0.3pp QoQ	-8.9pp	19.9%	16.6%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	43 +2 (+4.9%) YoY -1 (-2.3%) QoQ	-16	58	134	482	45%
Assets per Employee ($)	$7.0M +5.4% YoY +6.9% QoQ	-$514K	$7.5M	$8.2M	$8.8M	52%
Branch Count	6 0 YoY 0 QoQ	+1	4	9	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% +0.3pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.9%	1.0%	38%
Allowance Coverage	2.20x -91.8% YoY +14.7% QoQ	-21.95x	24.15x	56.89x	20.23x	50%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	11.5% +3.4pp YoY +0.6pp QoQ	-0.7pp	12.2%	11.8%	11.6%	47%
Cost of Funds (YTD)	2.0% -0.2pp YoY -0.1pp QoQ	+0.3pp	1.7%	1.8%	1.7%	71%
Net Income ($, YTD)	$1.6M +58.3% YoY — QoQ	-$950K	$2.6M	$7.9M	$40.4M	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#484 of 1256 • Bottom 38.5% in tier

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

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2324

Loan-to-Deposit Ratio

liquidity

Value: 98.37%

Peer Median: 77.95%

#2324 of 2643 Bottom 12.1% in $100M-$1B

2250

Tier 1 Capital Ratio

capital

Value: 10.33%

Peer Median: 15.91%

#2250 of 2643 Bottom 14.9% in $100M-$1B