La Crosse, WI · Cert 18361 · Coulee Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
16
Profitability
28
Liquidity
43
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
La Crosse, WI · Cert 18361 · Coulee Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 5.4% share · #7 of 24 inst. · $0.3B of $4.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.12% | -0.06% | -1.81% | -1.12% | -1.17% | 0.39% | 0.37% | +218 bps | |
| Return on Equity | -0.95% | -1.57% | -0.76% | -24.71% | -15.32% | -16.14% | 5.49% | 5.09% | +2,981 bps | |
| Net Interest Margin | 2.57% | 2.61% | 2.80% | 2.93% | 3.05% | 3.11% | 3.23% | 3.45% | +51 bps | |
| Efficiency Ratio | 99.87% | 101.34% | 99.42% | 96.03% | 94.09% | 92.41% | 84.44% | 85.56% | -1,047 bps | |
| Non-Interest Burden | 2.56% | 2.65% | 2.78% | 2.80% | 2.85% | 2.84% | 2.66% | 2.89% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.77% | -1.96% | -3.30% | -3.91% | -6.78% | -1.83% | -4.33% | -3.96% | -4 bps | |
| Loan Growth (YoY) | -0.07% | -1.79% | -2.35% | -1.51% | -3.62% | -6.83% | -11.44% | -12.96% | -1,145 bps | |
| Deposit Growth (YoY) | 3.00% | -0.72% | -1.75% | -5.01% | -6.83% | -3.30% | -5.13% | -1.58% | +344 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.14% | 3.29% | 3.45% | 3.42% | 2.00% | 1.93% | 2.04% | 2.50% | -92 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.11% | 1.14% | 1.60% | -0.08% | 0.12% | +1 bps | |
| Allowance / Loans | 1.13% | 1.07% | 1.09% | 2.16% | 1.47% | 1.40% | 1.51% | 1.48% | -69 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.3x | 0.6x | 0.7x | 0.7x | 0.7x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.24% | 9.33% | 8.58% | 8.79% | 8.54% | 8.52% | 9.13% | +55 bps | |
| Total Risk-Based Capital | 13.14% | 13.48% | 13.44% | 12.30% | 12.69% | 12.02% | 12.50% | 12.79% | +49 bps | |
| Equity / Assets | 7.43% | 7.45% | 7.66% | 6.80% | 7.26% | 7.06% | 7.25% | 7.46% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.07% | 100.92% | 101.71% | 105.74% | 101.44% | 97.23% | 94.95% | 93.51% | -1,223 bps | |
| Liquid Assets / Assets | 3.92% | 1.65% | 0.68% | 0.26% | 2.30% | 0.77% | 3.09% | 3.08% | +282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 541% | 525% | 497% | n/a | n/a | |
La Crosse, WI · Cert 18361 · Peer group: banks under $1B in assets (n=581-629) · Coulee Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.37%
Rank 534 of 629
Net Interest Margin
3.45%
Rank 343 of 629
Efficiency Ratio
85.56%
Rank 517 of 629
Equity / Assets
7.46%
Rank 580 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.60% | 1.01% | 1.45% | Beats 15% | 534 / 629 | ||
| Return on Equity | 5.01% | 5.38% | 9.30% | 13.28% | Beats 23% | 487 / 629 | ||
| Net Interest Margin | 3.45% | 3.03% | 3.54% | 4.05% | Beats 45% | 343 / 629 | ||
| Efficiency Ratio | 85.56% | 58.35% | 67.79% | 79.08% | Beats 18% | 517 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.50% | 0.09% | 0.46% | 1.20% | Beats 10% | 525 / 581 | ||
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 21% | 458 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.54% | 11.24% | 13.84% | 18.77% | Beats 28% | 451 / 629 | ||
| Total Risk-Based Capital Ratio | 12.79% | 11.58% | 14.43% | 19.66% | Beats 36% | 401 / 629 | ||
| Equity / Assets | 7.46% | 9.09% | 10.65% | 13.80% | Beats 8% | 580 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.51% | 67.24% | 80.90% | 93.48% | 75th pctl | 148 / 594 | ||
| Loans / Assets | 76.35% | 53.31% | 67.71% | 78.15% | 70th pctl | 190 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||