This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Collins, WI
Health score
74.5
Total assets
$301.2M
Bank
Laona, WI
Health score
59.0
Total assets
$296.6M
Answer first
Collins State Bank leads on financial health and profitability and lending quality and growth; Laona State Bank leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Collins State Bank
Higher TFS health score
Capitalization
Laona State Bank
Higher comparable capital ratio
Profitability
Collins State Bank
Higher return on assets
Lending quality
Collins State Bank
Lower problem-loan measure
Growth
Collins State Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Collins State Bank | Laona State Bank |
|---|---|---|
| TFS health score | 74.5/100Leads | 59.0/100 |
| Total assets | $301.2M | $296.6M |
| Total deposits / shares | $260.6M | $271.5M |
| Tier 1 capital ratio | 8.73% | 9.63%Leads |
| Return on assets | 1.09%Leads | 0.33% |
| Return on equity | 11.54%Leads |
Collins State Bank
6 branches
Laona State Bank
7 branches
Both institutions report branches in 1 state: WI.
Collins State Bank
Unavailable
Laona State Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Collins State Bank
0 in TFS registry
Laona State Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Collins State Bank score | Collins State Bank ROA | Laona State Bank score | Laona State Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.63% | — | 0.16% |
| 2024-Q4 | — | 0.67% | — | 0.11% |
| 2025-Q1 | — | 0.72% | — | 0.20% |
| 2025-Q2 | — | 0.77% | — | 0.32% |
| 2025-Q3 | — | 0.84% | — | 0.43% |
| 2025-Q4 | — | 0.89% | — | 0.50% |
| 2026-Q1 | 74.9/100 | 1.03% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 4.44% |
| Non-performing loans | 0.30%Leads | 1.34% |
| Net charge-offs | -0.00%Leads | 0.04% |
| Efficiency ratio | 64.30%Leads | 84.46% |
| Loan-to-deposit ratio | 98.37% | 58.60% |
| Asset growth (YoY) | 10.58%Leads | 5.46% |
| Deposit / share growth (YoY) | 10.99%Leads | 4.48% |
| Branches | 6 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 59.2/100 |
| -0.45% |
| 2026-Q2 | 74.5/100 | 1.09% | 59.0/100 | 0.33% |