Bank Comparison
Coulee Bank vs Select Bank
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At Q2 2026, Select Bank is the larger bank, with $524.4M in total assets to Coulee Bank's $524.4M; Coulee Bank has the higher CET1 ratio (11.54% vs 11.52%) and Select Bank has the higher return on assets (1.27% vs 0.44%).
vs
7 · 9
winning metrics across 16 scored rows
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Capital adequacy
| Metric | Coulee Bank | Select Bank |
|---|---|---|
| CET1 Ratio | 11.54% | 11.52% |
| Tier 1 Capital Ratio | 11.54% | 11.52% |
| Total Capital Ratio | 12.79% | 12.37% |
| Tier 1 Leverage Ratio | 9.13% | 9.54% |
| Equity / Assets | 7.46% | 8.29% |
Profitability
| Metric | Coulee Bank | Select Bank |
|---|---|---|
| Return on Assets (ROA) | 0.44% | 1.27% |
| Return on Equity (ROE) | 6.04% | 15.26% |
| Net Interest Margin (NIM) | 3.56% | 3.43% |
| Yield on Earning Assets | 5.65% | 6.00% |
| Cost of Funds | 2.27% | 2.64% |
Asset quality
| Metric | Coulee Bank | Select Bank |
|---|---|---|
| Texas Ratio | 22.52% | 10.38% |
| Non-Performing Loan Ratio | 2.50% | 1.06% |
| Non-Performing Asset Ratio | 1.91% | 0.93% |
| Net Charge-Off Ratio | 0.32% | 0.00% |
| ACL / Loans | 1.48% | 0.78% |
Balance sheet
| Metric | Coulee Bank | Select Bank |
|---|---|---|
| Total Assets | $524.4M | $524.4M |
| Total Deposits | $428.1M | $448.4M |
| Total Loans | $400.3M | $459.4M |
| Total Equity | $39.1M | $43.5M |
| Net Income (quarter) | $582K | $1.6M |
Liquidity & funding
| Metric | Coulee Bank | Select Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.51% | 102.46% |
| Core Deposit Ratio | 91.65% | 87.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Coulee Bank | Select Bank |
|---|---|---|
| Headquarters City | La Crosse | Forest |
| Headquarters State | WI | VA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FED |
| Domestic Branches | 8 | 6 |
| Employees (FTE) | 79 | 58 |
| Established | February 27, 1961 | June 4, 2007 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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