# COLLINS STATE BANK
COLLINS, WI · FDIC certificate 14914 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $301.2M | |
| Deposits | $260.6M | |
| Loans and leases | $258.0M | |
| Total equity | $28.5M | |
| Loans / deposits | 98.37% (p86 of band) | 82.04% |
| Liquid assets / assets | 9.99% (p4 of band) | |
| Uninsured deposits / deposits | 34.99% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p49 of band) | |
| FHLB advances / assets | 3.32% | |
| Tier 1 leverage | 8.73% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -3.91% (p68 of band) | -8.10% |
| AOCI / equity | -0.76% (p31 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.87% (p47 of band) | 3.91% |
| Efficiency ratio | 64.30% (p59 of band) | |
| Noncurrent loans | 0.30% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 220.08% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 81.89% (p79 of band) | |
| Auto loans | $1.2M (0.45% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2016-09 | 0 |  | charge-offs p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | NIM <2.5% |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | NIM <2.5% |
| 2022-06 | 2 | loans exceed deposits |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | loans exceed deposits |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | loans exceed deposits |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | loans exceed deposits |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | liquid assets <10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-27 [Ben Becker - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiSkFVX3lxTE9iUHV1a2VzTlVGb0t2STcyenZoWVJ0NEsxUWd4VDc5RGJXRlRhcXZGbVJSaWtTanlKZURZcTdnWV9zMzhUVnVCY3J3?oc=5) · BizTimes - Milwaukee Business News
- 2021-08-10 [Randall R. Habermann - Herald Times Reporter](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5lSFU0M1JrZ2p3elVwNWxzOVgzZjUwM0dmMlF0UThReFhNRGZFLXlsYWY4WkhfWUJadV9wYmhEUHVmSU5NaHdqQ1ZkVU1oY2FzazByY3RZVQ?oc=5) · Herald Times Reporter
- 2015-10-28 [Cedarburg man sentenced in bank break-in - The Sheboygan Press](https://news.google.com/rss/articles/CBMinwFBVV95cUxOR3ZsTFVpYzVpUVJEV0UySmFGUVYwd2QyVlc0a2lwVFg1ZURCZ2ExTW5fLUwwUFNtS2xWeHFudllpakpLdHVwWjBPelBER1Mybnc4U3dwdHlKTWs3Z21LX29NeW5ad0JkbUdYdF9FdWFhaGNOTU1KUmFwZDhSSUdqNE9uQTBKTFgtZkUxLXpkbW9zamNxVFpPdm14UVpzR3c?oc=5) · The Sheboygan Press
- 2021-06-10 ['Live for you': Kiel's Emily Swanson reflects as she prepares for UW-Madison | Stellar Students - Herald Times Reporter](https://news.google.com/rss/articles/CBMiwwFBVV95cUxORzdka3drWUUyX1JrQUtvUmJwb2N3anhlVmltWUxiTTBiZThuUmJzbUpFblJQOXdPQzlWWl9uQklkdU5JaTdOYUNkaERUeTJaeDc0OTJQSWJtMVJMX3hMM0l0c24yckhZOThlQUVGODN3a3ptLXBBMlZZRUpUQ1JranlvcWVFUWtUcFJBR1ZEd0RKRTM1MW9CY1p3dFFmM2wyQTlzaG94MTBPWFJ5Z1d0cEJQV2VRaXBhSDcyLTIyMHFmZnM?oc=5) · Herald Times Reporter
- 2016-09-01 [Sheboygan County Fair opens under ideal weather, Sept. 1 - The Sheboygan Press](https://news.google.com/rss/articles/CBMizgFBVV95cUxOaFJjVlE1MGtJUE9XTkxNb0tZbkY0TEdndjJHazN2T3RnYUJtbGZnTkxGSVNkb3ExSVdVV2FhclFxSFdDTUxUaVUweDlzTUppaXlncHNLckdrZXVxcGx0ZERha2tmUElhc2xXT3BnQTI2UmFmaE11T2duRHRJOHdOYXVZbUxWOER6QTRaZV9CNi1peDdLOEYxMlU0YlJveVRLTXRDaVcxQkpCMVNMWU9mZ3N4aVQ2QzNiZjBUdjJEUDJoTEYtb0IyYlYyTVc0dw?oc=5) · The Sheboygan Press
- 2021-10-17 [Lorna Hoff Obituary (2015) - Whitelaw, WI - Manitowoc Herald Times Reporter - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPTVY4RTBfUWFFNFRtSjhoSTk1cTBWNEhUR0pzbWRGWEFwQjkzSFgteExiWFFGQTlYeV9TSmxqM1VfdmpTelN6LTh2M1B2NUw1YWt1dDhxVHJGdUxiSUlkZDExeVZlOFpKVWs5MnVWVGU3ak8xbEZZNEFibklvWDNXVUtZclVDYTZa?oc=5) · legacy.com
- 2024-03-31 [Spotlight on Kiel Schools: Celebrating the district's success, from athletics to academics and beyond - Herald Times Reporter](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNU0VHendzZDVNVzgtd3VKQ0RUYkJpM1o3anVNd3EyUjBpZllGa1I1UWMwRG4xNDFNNjNBNTJmRWVMWjBESUZMVkF2VWtLNmZ0Zm5BTlpjU3B1ZmVpRm1hYkpDenk3cUVOLVI0NXVxcWx4c3VxLUV6NTluMTV2MWhBbXlGdHlGdkwzNEZEQ0N4aGZhVGRWOFA0cTJwR2M3RlJ0MS1LRHRLbzNkZUJtbmwzcTlFZm41R3l2MTVnT3FXTWY3eTQ5S3RuRmZiRU5kOGtoYTBIc3Fndw?oc=5) · Herald Times Reporter
- 2022-10-28 [Manitowoc County's top real estate transfer topped $6 million last week. Here’s what area properties are selling for. - Herald Times Reporter](https://news.google.com/rss/articles/CBMivAFBVV95cUxOdzJHUHpWd1NYazlqZ0hlZ2c2ZmxVUkppVVdmTkplU25WWElTYzk0TkdIMHFCeklMNFgySFdTNjRDWXhNTnZONGJzNndKak1Xd05iMzl1cGtJbkdqRG82Sk85N2RXU1FqOFNHUHR6ZmNUa3lOSnNWazR5eDZRbUd5V2o1Yk50QmdjOFBTaUFyMlp2SHRzaGh3MUZqdU94UmpiZVhsVF9yR0JMMEI4RGxOTjRVSHo3V2gta0c0QQ?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14914 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "14914", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide