Collins State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 28.23 percentage points in Q2 2026, from 191.85% to 220.08%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Collins State Bank is 94th of 153 on return on assets, 1.17% as of Q2 2026, below the middle of the field. Collins State Bank reported 1.17% on return on assets for Q2 2026, 0.08 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.33% |
| Tier 1 risk-based capital ratio | 10.33% |
| Total risk-based capital ratio | 11.07% |
| Tier 1 leverage ratio | 8.73% |
| Equity capital to assets | 9.47% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.98% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 220.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 12.15% |
| Net interest margin | 4.02% |
| Efficiency ratio | 62.81% |
| Yield on earning assets | 6.01% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.02% |
| Core deposits to total deposits | 91.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.53% |
| Securities to assets | 7.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.67% | 9.67% | 10.39% | 8.23% | 0.75% |
| Q4 2023 | 9.61% | 9.61% | 10.31% | 8.15% | 0.71% |
| Q1 2024 | 10.23% | 10.23% | 10.95% | 8.39% | 0.58% |
| Q2 2024 | 10.16% | 10.16% | 10.87% | 8.40% | 0.54% |
| Q3 2024 | 10.10% | 10.10% | 10.81% | 8.20% | 0.77% |
| Q4 2024 | 10.62% | 10.62% | 11.32% | 8.33% | 0.78% |
| Q1 2025 | 10.90% | 10.90% | 11.63% | 8.30% | 0.71% |
| Q2 2025 | 10.71% | 10.71% | 11.42% | 8.38% | 0.82% |
| Q3 2025 | 10.85% | 10.85% | 11.59% | 8.24% | 0.97% |
| Q4 2025 | 10.69% | 10.69% | 11.42% | 8.18% | 1.01% |
| Q1 2026 | 10.59% | 10.59% | 11.32% | 8.38% | 1.02% |
| Q2 2026 | 10.33% | 10.33% | 11.07% | 8.73% | 1.17% |
Collins State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Collins State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)