Collins State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Collins State Bank of Collins, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.34% | -0.17% | 43rd below |
| ROAE | 12.15% | 13.31% | -1.16% | 49th below |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 62.81% | 61.14% | +1.67% | 45th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.64% | 1.68% | -0.04% | 53rd above |
| Yield on Earning Assets | 6.01% | 5.67% | +0.34% | 69th above |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 30th below |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.94% | -0.64% | 57th above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 55th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 0.66% | 1.28% | -0.62% | 6th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 220.08% | 1539.09% | -1319.01% | 51st above |
| Texas Ratio | 2.98% | 7.33% | -4.35% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.33% | 19.51% | -9.18% | 4th bottom |
| Tier 1 Ratio | 10.33% | 19.54% | -9.21% | 4th bottom |
| Total Capital Ratio | 11.07% | 20.63% | -9.56% | 3rd bottom |
| Leverage Ratio | 8.73% | 12.14% | -3.41% | 9th bottom |
| Equity / Assets | 9.47% | 11.37% | -1.90% | 35th below |
| TCE / Tangible Assets | 8.14% | 11.09% | -2.95% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.02% | 80.63% | +18.39% | 13th bottom |
| Core Deposit Ratio | 91.38% | 86.86% | +4.52% | 63rd above |
| Wholesale Funding Ratio | 3.32% | 5.03% | -1.71% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.58% | 6.85% | +3.73% | 84th top |
| Loan Growth (Y/Y) | 17.25% | 7.90% | +9.35% | 89th top |
| Deposit Growth (Y/Y) | 10.99% | 6.29% | +4.70% | 85th top |
See Collins State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Collins State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Collins State Bank profile, how to read a UBPR, or how this data updates.