Collins State Bank
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Data as of · sourced from FFIEC call reports. How we update
Collins State Bank is an FDIC-insured commercial bank headquartered in Collins, WI, established in 1914 (FDIC certificate 14914), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $301.2M, up 10.6% from Q2 2025, the 97th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 10.33% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14914
- Headquarters
- Collins, WI
- Established
- 1914
- Total assets, Q2 2026
- $301.2M
- Assets vs Q2 2025
- +10.6%
- CET1 ratio, Q2 2026
- 10.33%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 075908276
- Holding company
- COMMUNITY CAPITAL BANCORP, INC.
- Asset rank in state
- 97th of 153 in Wisconsin
Collins State Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $301 million at June 30, 2026, up 10.6% from a year earlier; it is based in Collins, Wisconsin. It holds common equity equal to 10.33% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 17.2% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $855,000, 56% above the same quarter a year earlier. Over the same year, loans grew 17.2% and deposits grew 11.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Collins State Bank reported a CET1 capital ratio of 10.33%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.98%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Collins State Bank is the 97th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $301.2M, loans rose 5.9% and deposits rose 2.4%. 1-4 family residential loans made up 32.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in WI; its Collins office books 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Collins State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20741 County Road Jj, Collins, WI 54207
- County
- Manitowoc
- Metro Area
- Manitowoc, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $260.6M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $291.4M
- Average total loans
- $249.6M
- Average interest-bearing deposits
- $208.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 1934
- FDIC Cert
- 14914
- Fed RSSD
- 219044
- SEC CIK
- 1839449 → filed by COMMUNITY CAPITAL BANCORP, INC.
- Website
- www.collinsstatebank.com →
- Parent Holding Company
- COMMUNITY CAPITAL BANCORP, INC. (RSSD 5617805)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Collins State Bank's total assets ran between $215.4M (Q3 2023) and $301.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$301.2M total assets against $272.3M; $272.6M total liabilities against $246.8M.
$256.3M net loans and leases against $218.7M; $260.6M total deposits against $234.8M.
$21.6M securities against $19.6M; $8.5M cash and balances due against $20.1M.
$4.2M total interest income against $3.7M; $1.4M total interest expense against $1.4M.
$2.8M net interest income against $2.3M.
$448K total noninterest income against $232K; $2.0M total noninterest expense against $1.8M.
$120K provision for credit losses against $30K.
$855K net income against $548K.
1.17% return on assets against 0.82%; 4.02% net interest margin against 3.62%.
10.33% CET1 capital ratio against 10.71%; 8.73% tier 1 leverage ratio against 8.38%.
Inside the full Collins State Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Collins State Bank rankings
Its closest position to the top of a national ranking is 1,863 of 3,640, for Texas Ratio; its furthest is 2,060 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q1 2025) to 1.17% (Q2 2026) and its net interest margin ran from 3.35% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.33% | 1.17% | 0.30% | 2.98% | 4.02% |
| Q1 2026 | 10.59% | 1.02% | 0.34% | 3.29% | 3.72% |
| Q4 2025 | 10.69% | 1.01% | 0.35% | 3.38% | 3.77% |
| Q3 2025 | 10.85% | 0.97% | 0.36% | 3.46% | 3.76% |
| Q2 2025 | 10.71% | 0.82% | 0.02% | 0.23% | 3.62% |
| Q1 2025 | 10.90% | 0.71% | 0.00% | 0.00% | 3.48% |
| Q4 2024 | 10.62% | 0.78% | 0.00% | 0.00% | 3.53% |
| Q3 2024 | 10.10% | 0.77% | 0.01% | 0.08% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → 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 |
|---|---|---|---|
| Collins State Bank (main office) | Collins , WI | 54207 | $57.5M |
| Random Lake Branch | Random Lake , WI | 53075 | $55.8M |
| Kiel Wi Branch | Kiel , WI | 53042 | $53.4M |
| Menomonee Falls Branch | Menomonee Falls , WI | 53051 | $49.8M |
| Brillion Branch | Brillion , WI | 54110 | $26.0M |
| Collins State Bank Branch | Hartland , WI | 53029 | $18.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 105 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 113 loans originated, $25.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Collins State Bank
What are Collins State Bank's total assets?
As of the Q2 2026 filing, Collins State Bank reported total assets of $301.2 million in its FFIEC call report.
Where is Collins State Bank headquartered?
It is headquartered in Collins, WI, United States.
When was Collins State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Collins State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14914). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Collins State Bank?
Collins State Bank's primary federal regulator is the FDIC.
What is Collins State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.33% in its Q2 2026 call report, above regulatory requirements.
How many branches does Collins State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Collins State Bank's Texas Ratio?
Its Texas Ratio is 2.98% 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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