TellerScore

Collins State Bank is a state-chartered bank headquartered in Collins, Wisconsin, in business for about 112 years. At the end of Q2 2026 it reported $301.2M in total assets and $260.6M in deposits, with 6 offices.

Collins State Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 124th. Problem-loan coverage contributes the most (95/100, 2.6%); capital cushion contributes the least (37/100, 8.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.73%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 98.4% · 35.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).

TellerScore
596162Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202462
Q1 202562
Q2 202562
Q3 202559
Q4 202559
Q1 202661
Q2 202662
Tier 1 leverage ratio
5.00%6.86%8.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.40%
Q3 20248.20%
Q4 20248.33%
Q1 20258.30%
Q2 20258.38%
Q3 20258.24%
Q4 20258.18%
Q1 20268.38%
Q2 20268.73%
Noncurrent loans
0.00%0.18%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.00%
Q1 20250.00%
Q2 20250.02%
Q3 20250.36%
Q4 20250.35%
Q1 20260.34%
Q2 20260.30%
Return on assets
0.56%0.83%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.63%
Q4 20240.67%
Q1 20250.72%
Q2 20250.77%
Q3 20250.84%
Q4 20250.89%
Q1 20261.03%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$301.2M8.73%0.30%1.09%98.4%
Q1 202661$288.2M8.38%0.34%1.03%95.1%
Q4 202559$294.5M8.18%0.35%0.89%90.8%
Q3 202559$285.7M8.24%0.36%0.84%89.7%
Q2 202562$272.3M8.38%0.02%0.77%93.1%
Q1 202562$262.5M8.30%0.00%0.72%92.3%
Q4 202462$255.0M8.33%0.00%0.67%94.6%
Q3 202461$254.1M8.20%0.01%0.63%92.8%
Q2 202460$237.9M8.40%0.02%0.56%96.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.73%
9th
Total risk-based capital11.07%
50th
Problem loans0.30%
57th
Net charge-offs-0.00%
81st
Return on assets1.09%
40th
Net interest margin3.87%
46th
Efficiency ratio64.3%
44th
Loans to deposits98.4%
12th
Uninsured deposits35.0%
17th
Loan-loss reserves0.66%
6th
Texas ratio2.6%
51st

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
The Peshtigo National BankBank Peshtigo, WI69 out of 100, Moderate$300.0M9.0%0.00%vs
Laona State BankBank Laona, WI56 out of 100, Moderate$296.6M9.6%1.34%vs
Partners Bank of WisconsinBank Marshfield, WI86 out of 100, Very strong$294.2M14.7%0.36%vs
Citizens State Bank of LoyalBank Loyal, WI80 out of 100, Strong$311.5M11.5%0.00%vs
Bay BankBank Green Bay, WI59 out of 100, Moderate$315.7M11.2%2.03%vs
Nekoosa Port Edwards State BankBank Nekoosa, WI93 out of 100, Very strong$286.5M15.1%0.00%vs

Deposit insurance

Is my money safe at Collins State Bank?

Yes. Collins State Bank is an FDIC-insured institution (FDIC certificate #14914). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.0% of deposits ($91.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.07% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Collins State Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Collins State Bank reported 122 home-loan applications under HMDA (LEI 254900Z9CBWZF8ECUS45): 113 originated ($25,705,000 total), 5 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Collins State Bank
Type
State-chartered bank
FDIC certificate #
14914
RSSD ID
219044
Primary regulator
FDIC
Holding company
Community Capital Bcorp Inc
Established
January 1, 1914
Headquarters
20741 County Road Jj, Collins, WI 54207
Employees
43

Quick answers

Collins State Bank: common questions

Is Collins State Bank FDIC insured?

Yes. Collins State Bank is an FDIC-insured institution (FDIC certificate #14914). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Collins State Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Collins State Bank ever failed?

There is no failure record for FDIC certificate #14914 in the FDIC failed bank list.

How many branches does Collins State Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Collins

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs