Collins State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 15.86 percentage points in Q2 2026, from 71.45% to 87.31%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Collins State Bank is 37th of 153 on loan-to-deposit ratio, 99.02% as of Q2 2026, above the middle of the field. Collins State Bank reported 99.02% on loan-to-deposit ratio for Q2 2026, 18.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $258.0M |
| Net loans and leases | $256.3M |
| Loans held for sale | $0 |
| Loans to total assets | 85.68% |
| Loan-to-deposit ratio | 99.02% |
| Net loans to equity capital | 8.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.92% |
| Multifamily (5+ residential) | 2.18% |
| Commercial and industrial | 15.97% |
| Consumer | 0.86% |
| Credit cards | 0.01% |
| Farm | 1.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 238.81% |
| Construction concentration (Tier 1 capital + allowance) | 87.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.34% |
| Interest income on loans | $3.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $180.9M | $178.8M | 32.85% | 16.97% | 2.30% |
| Q4 2023 | $186.2M | $190.8M | 32.27% | 17.80% | 2.26% |
| Q1 2024 | $193.1M | $198.5M | 31.71% | 18.13% | 2.09% |
| Q2 2024 | $198.7M | $203.7M | 31.39% | 18.44% | 1.95% |
| Q3 2024 | $204.5M | $219.0M | 32.85% | 17.33% | 1.89% |
| Q4 2024 | $207.4M | $217.9M | 32.49% | 17.48% | 1.85% |
| Q1 2025 | $208.8M | $224.7M | 32.90% | 17.66% | 1.73% |
| Q2 2025 | $220.1M | $234.8M | 33.97% | 16.93% | 1.58% |
| Q3 2025 | $223.5M | $247.4M | 34.94% | 16.63% | 1.49% |
| Q4 2025 | $234.2M | $256.4M | 34.84% | 17.15% | 1.08% |
| Q1 2026 | $243.6M | $254.5M | 36.76% | 16.02% | 0.93% |
| Q2 2026 | $258.0M | $260.6M | 34.92% | 15.97% | 0.86% |
Collins State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Collins State Bank, freeSource: Call Report Schedule RC-C, 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)