Collins State Bank is headquartered in Collins and is the 237th largest bank in the state of Wisconsin. It is also the 5,865th largest bank in the nation. It was established in 1914 and as of March of 2014, it had grown to 19 employees at 3 locations. Collins State Bank has a B+ health rating.
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Collins State Bank had $396,000 in non-current loans and owned real-estate with $6.17 million in equity and loan loss allowances on hand to cover it. This gives Collins State Bank a Texas Ratio of 6.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Collins State Bank experienced no significant changes from 3.47% as of March 31, 2013 to 6.42% as of March 31, 2014, resulting in a negative change of 84.64%. This indicates that the balance sheet and financial strength for Collins State Bank has had no significant changes in recent periods.
In the past year, Collins State Bank has increased its total deposits by $4.03 million, resulting in 9.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Collins State Bank has shown is excellent.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Collins State Bank has $53.95 million in assets with $6.17 million in equity, resulting in a capitalization level of 11.44%, which is excellent.
|FDIC Certificate #||14914|
|Assets and Liabilities|
|Equity Capital||$5.72 million|
|Loan Loss Allowance||$453,000|
|Real Estate Owned||$396,000|
|Historic Data - March 2013|
|Equity Capital||$5.22 million|
|Loan Loss Allowance||$453,000|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||3.69%|
|Return on Assets||0.54%|
|Return on Equity||5.23%|
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|0.25%||-||-||Windfall Savings Account|
|0.35%||$50k||-||MainStreet Money Market Account|
|0.75%||$100||$25k||Mainstreet Rewards Checking Account - Qualifying|
|0.10%||-||-||Mainstreet Rewards Checking Account - Non-Qualifying|
|0.05%||$100||-||Interest Checking Account|
|0.05%||$100||-||Gold Checking Account|
|1.26%||$500||-||5 Year CD|
|1.01%||$500||-||4 Year CD|
|0.80%||$500||-||3 Year CD|
|0.75%||$500||-||30 Month Got It All CD|
|0.70%||$500||-||2 Year CD|
|0.60%||$500||-||18 Month CD|
|0.55%||$500||-||1 Year CD|
|0.35%||$500||-||182 Day CD|
|0.25%||$500||-||91 Day CD|
|0.10%||$500||-||30 Day CD|
|Collins State Bank Locations|
|Collins State Bank||20741 Cth Jj and State Hwy. 32||Collins, WI 54207|
|Random Lake Branch||302 East Towne Drive||Random Lake, WI 53075|