Coulee Bank
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Data as of · sourced from FFIEC call reports. How we update
Coulee Bank is an FDIC-insured commercial bank headquartered in La Crosse, WI, established in 1961 (FDIC certificate 18361), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $524.4M, down 4.0% from Q2 2025, the 65th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.54% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18361
- Headquarters
- La Crosse, WI
- Established
- 1961
- Total assets, Q2 2026
- $524.4M
- Assets vs Q2 2025
- -4.0%
- CET1 ratio, Q2 2026
- 11.54%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 091800374
- Holding company
- COULEE BANCSHARES, INC.
- Asset rank in state
- 65th of 153 in Wisconsin
Coulee Bank spends more to run itself than most banks of its size. Based in La Crosse, Wisconsin, it had $524 million in assets at June 30, 2026, down 4.0% from a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.50% of loans, down from 3.42% a year earlier. The balance sheet shrank over the year: over the year loans fell 13.0% and deposits fell 1.6%. Credit is the area to watch: it carries problem assets equal to 22.5% of the capital and reserves that would absorb them, 8.5 times the median of 2.6% for banks its size.
As of June 30, 2026, Coulee Bank reported a CET1 capital ratio of 11.54%, a return on assets of 0.44%, a nonperforming-loan ratio of 2.50% and a Texas ratio of 22.52%. The figures come from its call report filed with the FFIEC.
Coulee Bank ranks as the 65th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans fell 1.2% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 24.2% of total loans, ahead of commercial and industrial loans at 21.4%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities across 2 states; its La Crosse office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Coulee Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1516 Losey Blvd S, La Crosse, WI 54601
- County
- La Crosse
- Metro Area
- La Crosse-Onalaska, WI-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 27, 1961
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $428.1M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $240K
- Average total assets
- $530.9M
- Average total loans
- $402.1M
- Average interest-bearing deposits
- $358.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 20, 1961
- FDIC Cert
- 18361
- Fed RSSD
- 457752
- SEC CIK
- 1882550 → filed by COULEE BANCSHARES, INC.
- Website
- www.couleebank.net →
- Parent Holding Company
- COULEE BANCSHARES, INC. (RSSD 1126989)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Coulee Bank's total assets moved between a low of $524.3M (Q1 2026) and a high of $581.6M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$524.4M total assets against $546.0M; $485.2M total liabilities against $508.8M.
$394.4M net loans and leases against $450.0M; $428.1M total deposits against $435.0M.
$92.4M securities against $69.2M; $24.5M cash and balances due against $11.5M.
$7.3M total interest income against $7.7M; $2.7M total interest expense against $3.4M.
$4.6M net interest income against $4.3M.
$543K total noninterest income against $475K; $4.5M total noninterest expense against $4.4M.
$105K provision for credit losses against $5.2M.
$582K net income against -$4.9M.
0.44% return on assets against -3.44%; 3.56% net interest margin against 3.09%.
11.54% CET1 capital ratio against 11.04%; 9.13% tier 1 leverage ratio against 8.58%.
Inside the full Coulee Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Coulee Bank rankings
Its closest position to the top of a national ranking is 123 of 3,640, for Texas Ratio; its furthest is 3,397 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.44% (Q2 2025) to 0.47% (Q1 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 0.44% | 2.50% | 22.52% | 3.56% |
| Q1 2026 | 11.24% | 0.47% | 2.04% | 19.51% | 3.32% |
| Q4 2025 | 10.77% | -1.30% | 1.93% | 19.45% | 3.24% |
| Q3 2025 | 11.44% | 0.26% | 2.00% | 20.27% | 3.23% |
| Q2 2025 | 11.04% | -3.44% | 3.42% | 34.53% | 3.09% |
| Q1 2025 | 12.25% | -0.06% | 3.45% | 34.03% | 2.85% |
| Q4 2024 | 12.30% | -0.24% | 3.29% | 32.81% | 2.70% |
| Q3 2024 | 11.97% | -0.17% | 3.14% | 30.26% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Coulee Bank (main office) | La Crosse , WI | 54601 | $206.1M |
| St Paul Branch | Saint Paul , MN | 55105 | $71.2M |
| Onalaska Branch | Onalaska , WI | 54650 | $61.2M |
| Minnetonka Branch | Minnetonka , MN | 55343 | $54.1M |
| Coulee Bank - Rochester | Rochester , MN | 55901 | $35.0M |
| Eagle Crest Branch | Onalaska , WI | 54650 | $453K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 22, 2010 | Structure Change | Acquired Pinehurst Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 21, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 103 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 264 applications, 182 loans originated, $44.8M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.3M approved, $762K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Coulee Bank
What are Coulee Bank's total assets?
As of the Q2 2026 filing, Coulee Bank reported total assets of $524.4 million in its FFIEC call report.
Where is Coulee Bank headquartered?
It is headquartered in La Crosse, WI, United States.
When was Coulee Bank founded?
It was established in 1961, per the FDIC institution directory.
Is Coulee Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coulee Bank?
Coulee Bank's primary federal regulator is the FDIC.
What is Coulee Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.54% in its Q2 2026 call report, above regulatory requirements.
How many branches does Coulee Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coulee Bank's Texas Ratio?
Its Texas Ratio is 22.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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