Coulee Bank
La Crosse, WI · Cert 18361 · Peer group: banks under $1B in assets (n=573-620) · Coulee Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$524.4MAssets
$400.3MLoans
$428.1MDeposits
$39.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 46% of banks under $1B in assets (rank 335 of 620).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 572 of 620).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.37%
Rank 525 of 620
Net Interest Margin
3.45%
Rank 335 of 620
Efficiency Ratio
85.56%
Rank 511 of 620
Equity / Assets
7.46%
Rank 572 of 620
Non-interest income vs. expense
Unfavorable gap of $15.3M · efficiency ratio beats 18% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.60% | 1.00% | 1.45% | Beats 15% | 525 / 620 | |
| Return on Equity | 5.01% | 5.30% | 9.30% | 13.29% | Beats 23% | 477 / 620 | |
| Net Interest Margin | 3.45% | 3.02% | 3.53% | 4.04% | Beats 46% | 335 / 620 | |
| Efficiency Ratio | 85.56% | 58.35% | 68.08% | 79.37% | Beats 18% | 511 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.50% | 0.09% | 0.47% | 1.27% | Beats 10% | 514 / 573 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 20% | 457 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.54% | 11.27% | 13.87% | 18.78% | Beats 28% | 446 / 620 | |
| Total Risk-Based Capital Ratio | 12.79% | 11.69% | 14.57% | 19.67% | Beats 36% | 396 / 620 | |
| Equity / Assets | 7.46% | 9.03% | 10.60% | 13.73% | Beats 8% | 572 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 93.51% | 65.08% | 79.69% | 92.47% | 77th pctl | 137 / 585 | |
| Loans / Assets | 76.35% | 51.85% | 67.17% | 77.86% | 71st pctl | 180 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |