Coulee Bank
Total assets
$524.4M
▼ -4.0% YoY
Deposits
$428.1M
▼ -1.6% YoY
Loans
$394.4M
▼ -12.3% YoY
Offices
8
COULEE BANCSHARES INC
ROA (annualized)
0.47%
peers 1.28%
ROE (annualized)
6.49%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Coulee Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +4.9% | -8.9 pts |
| Deposit growth (YoY) | -1.6% | +4.3% | -5.9 pts |
| Loan growth (YoY) | -12.3% | +5.3% | -17.7 pts |
| ROA | 0.47% | 1.28% | -0.8 pts |
| ROE | 6.5% | 12.4% | -5.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
Profile
- Established
- 1961
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COULEE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1516 Losey Blvd S, La Crosse, WI, 54601
- County
- La Crosse
- Metro area
- La Crosse-Onalaska, WI-MN
- Offices
- 8
- FDIC cert #
- 18361
- RSSD ID
- 457752
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $524.4M | $428.1M | $394.4M | $39.1M | $1.2M | 0.47% | 3.57% | 1.91% |
| Q1 2026 | $524.3M | $426.7M | $399.0M | $38.0M | $666K | 0.50% | 3.53% | 1.62% |
| Q4 2025 | $543.0M | $435.1M | $417.1M | $38.3M | $-6.4M | -1.17% | 3.26% | 1.57% |
| Q3 2025 | $542.1M | $437.4M | $437.2M | $39.4M | $-4.6M | -1.12% | 3.23% | 1.69% |
| Q2 2025 | $546.0M | $435.0M | $450.0M | $37.1M | $-5.0M | -1.81% | 3.14% | 2.94% |
| Q1 2025 | $548.1M | $449.8M | $452.5M | $42.0M | $-79K | -0.06% | 3.02% | 2.88% |
| Q4 2024 | $553.1M | $449.9M | $449.2M | $41.2M | $-653K | -0.12% | 2.77% | 2.70% |
| Q3 2024 | $581.6M | $469.5M | $455.2M | $43.2M | $-298K | -0.07% | 2.74% | 2.49% |
Loan mix (Q2 2026): real estate $313.0M · commercial $85.6M · consumer $901K · securities $92.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Coulee Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 1.28% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% | 33th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 61.2% | 94th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Coulee Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Coulee Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Coulee Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Coulee Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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