Coulee Bank
La Crosse, WI · Cert 18361 · Peer group: banks under $1B in assets (n=570-617) · 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 341 of 617).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 569 of 617).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.37%
Rank 521 of 617
Net Interest Margin
3.45%
Rank 341 of 617
Efficiency Ratio
85.56%
Rank 508 of 617
Equity / Assets
7.46%
Rank 569 of 617
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.60% | 1.01% | 1.45% | Beats 16% | 521 / 617 | | |
| Return on Equity | 5.01% | 5.30% | 9.43% | 13.30% | Beats 23% | 476 / 617 | | |
| Net Interest Margin | 3.45% | 3.04% | 3.54% | 4.05% | Beats 45% | 341 / 617 | | |
| Efficiency Ratio | 85.56% | 58.03% | 67.76% | 79.08% | Beats 18% | 508 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.50% | 0.09% | 0.47% | 1.27% | Beats 10% | 513 / 570 | | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 20% | 458 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 11.54% | 11.18% | 13.83% | 18.55% | Beats 29% | 440 / 617 | | |
| Total Risk-Based Capital Ratio | 12.79% | 11.56% | 14.39% | 19.39% | Beats 37% | 390 / 617 | | |
| Equity / Assets | 7.46% | 9.03% | 10.55% | 13.63% | Beats 8% | 569 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.51% | 64.77% | 79.70% | 93.06% | 76th pctl | 140 / 582 | | |
| Loans / Assets | 76.35% | 51.70% | 67.18% | 77.51% | 71st pctl | 177 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |