Collins State Bank: how it compares with its peers
Against 76 WI banks with half to twice its assets, Collins State Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $7.0M peer median). Its weakest relative measure is return on assets (1.09% vs. 1.27%).
| Measure | Collins State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.27% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 3.86% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.30% | 61.62% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.0M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.37% | 86.69% | Context |
What it means for lending operations
Its efficiency ratio of 64.30% is above the 61.62% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Peshtigo National Bank Peshtigo, WI · $300M
- Laona State Bank Laona, WI · $297M
- Partners Bank of Wisconsin Marshfield, WI · $294M
- Citizens State Bank of Loyal Loyal, WI · $312M
- Bay Bank Green Bay, WI · $316M
- Nekoosa Port Edwards State Bank Nekoosa, WI · $287M
Questions about Collins State Bank
How big is Collins State Bank?
Collins State Bank, established in 1914, is headquartered in Collins, WI. It reported $301M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Collins State Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.27% median for 76 WI banks with half to twice its assets, ahead of 29% of them.
What is Collins State Bank's efficiency ratio?
64.30% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 61.62%, and lower is better.
Is Collins State Bank growing its loans?
Net loans grew 17.2% over the year to Q2 2026, while deposits grew 11.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.