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Overview / Commentary
20741 Cth Jj And State Hwy. 32
Collins, WI 54207

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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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Collins State Bank has a relatively low asset base.

Texas Ratio


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.

Texas Ratio Trend


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.

Deposit Growth


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.

Institution Statistics

FDIC Certificate #14914
Year Established1914
Primary RegulatorFDIC
Assets and Liabilities
Assets$53.95 million
Loans$34.12 million
Deposits$47.95 million
Equity Capital$5.72 million
Loan Loss Allowance$453,000
Real Estate Owned$396,000
Historic Data - March 2013
Assets$49.34 million
Equity Capital$5.22 million
Loan Loss Allowance$453,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets0.54%
Return on Equity5.23%
Interest Income$562,000

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Collins State Bank Savings Account Rates

0.25%--Windfall Savings Account
0.05%$100-Savings Account

Collins State Bank Money Market Rates

0.35%$50k-MainStreet Money Market Account

Collins State Bank Checking Account Rates

0.75%$100$25kMainstreet Rewards Checking Account - Qualifying
0.10%--Mainstreet Rewards Checking Account - Non-Qualifying
0.05%$100-Interest Checking Account
0.05%$100-Gold Checking Account

Collins State Bank CD Rates

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 Bank20741 Cth Jj and State Hwy. 32Collins, WI 54207
Random Lake Branch302 East Towne DriveRandom Lake, WI 53075