Coulee Bank
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
$524.4MAssets
$400.3MLoans
$428.1MDeposits
$39.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 45% of banks under $1B in assets (rank 343 of 629).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 580 of 629).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
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% | 1.01% | 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 |