Collins State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 11.9% in Q2 2026, from $7.2M to $8.1M. It was the largest change from Q1 2026 among the key lines here. Collins State Bank has the 7th lowest CET1 ratio of the 85 banks headquartered in Wisconsin, at 10.33% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Collins State Bank sits 4.74 points lower, at 10.33% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.33% |
| Tier 1 risk-based capital ratio | 10.33% |
| Total risk-based capital ratio | 11.07% |
| Tier 1 leverage ratio | 8.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $25.0M |
| Tier 1 capital | $25.0M |
| Total risk-based capital | $26.8M |
| Total equity capital | $28.5M |
| Risk-weighted assets | $242.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.47% |
| Tangible equity to tangible assets | 8.14% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 12.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $21.3M |
| Retained earnings | $8.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$882K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.67% | 9.67% | 10.39% | 8.23% | $177.6M |
| Q4 2023 | 9.61% | 9.61% | 10.31% | 8.15% | $183.0M |
| Q1 2024 | 10.23% | 10.23% | 10.95% | 8.39% | $185.0M |
| Q2 2024 | 10.16% | 10.16% | 10.87% | 8.40% | $189.7M |
| Q3 2024 | 10.10% | 10.10% | 10.81% | 8.20% | $195.4M |
| Q4 2024 | 10.62% | 10.62% | 11.32% | 8.33% | $197.8M |
| Q1 2025 | 10.90% | 10.90% | 11.63% | 8.30% | $197.0M |
| Q2 2025 | 10.71% | 10.71% | 11.42% | 8.38% | $205.6M |
| Q3 2025 | 10.85% | 10.85% | 11.59% | 8.24% | $209.2M |
| Q4 2025 | 10.69% | 10.69% | 11.42% | 8.18% | $219.4M |
| Q1 2026 | 10.59% | 10.59% | 11.32% | 8.38% | $228.4M |
| Q2 2026 | 10.33% | 10.33% | 11.07% | 8.73% | $242.5M |
Collins State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Collins State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Collins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14914) · FFIEC NIC profile (RSSD 219044)