Collins State Bank
Total assets
$301.2M
▲ +10.6% YoY
Deposits
$260.6M
▲ +11.0% YoY
Loans
$256.3M
▲ +17.2% YoY
Offices
6
COMMUNITY CAPITAL BCORP INC
ROA (annualized)
1.09%
peers 1.24%
ROE (annualized)
11.54%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Collins State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +11.0% | +4.0% | +7.0 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.6 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 11.5% | 11.9% | -0.3 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
Profile
- Established
- 1914
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COMMUNITY CAPITAL BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 20741 County Road Jj, Collins, WI, 54207
- County
- Manitowoc
- Metro area
- Manitowoc, WI
- Offices
- 6
- FDIC cert #
- 14914
- RSSD ID
- 219044
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $301.2M | $260.6M | $256.3M | $28.5M | $1.6M | 1.09% | 3.87% | 0.26% |
| Q1 2026 | $288.2M | $254.5M | $242.0M | $27.8M | $750K | 1.03% | 3.77% | 0.29% |
| Q4 2025 | $294.5M | $256.4M | $232.7M | $27.1M | $2.4M | 0.89% | 3.71% | 0.28% |
| Q3 2025 | $285.7M | $247.4M | $222.0M | $26.4M | $1.7M | 0.84% | 3.67% | 0.28% |
| Q2 2025 | $272.3M | $234.8M | $218.7M | $25.5M | $1.0M | 0.77% | 3.61% | 0.02% |
| Q1 2025 | $262.5M | $224.7M | $207.5M | $25.0M | $466K | 0.72% | 3.57% | 0.00% |
| Q4 2024 | $255.0M | $217.9M | $206.1M | $24.4M | $1.6M | 0.67% | 3.38% | 0.00% |
| Q3 2024 | $254.1M | $219.0M | $203.2M | $23.5M | $1.1M | 0.63% | 3.29% | 0.01% |
Loan mix (Q2 2026): real estate $208.0M · commercial $41.2M · consumer $2.2M · securities $21.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Collins State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Collins State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Collins State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Collins State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Collins State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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