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 | |