Coulee Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 19.48 percentage points in Q2 2026, from 268.92% to 249.44%. It was the largest change from Q1 2026 among the key lines here. Coulee Bank ranks 57th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 93.51% (Q2 2026). Coulee Bank reported 93.51% on loan-to-deposit ratio for Q2 2026, 12.96 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $400.3M |
| Net loans and leases | $394.4M |
| Loans held for sale | $971K |
| Loans to total assets | 76.35% |
| Loan-to-deposit ratio | 93.51% |
| Net loans to equity capital | 10.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.12% |
| Multifamily (5+ residential) | 11.84% |
| Commercial and industrial | 21.39% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.44% |
| Construction concentration (Tier 1 capital + allowance) | 15.23% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.33% |
| Interest income on loans | $6.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $460.8M | $455.8M | 45.31% | 18.11% | 0.87% |
| Q4 2023 | $462.3M | $453.2M | 45.30% | 17.84% | 0.84% |
| Q1 2024 | $468.5M | $457.8M | 46.09% | 17.00% | 0.81% |
| Q2 2024 | $467.0M | $457.9M | 45.77% | 18.19% | 0.76% |
| Q3 2024 | $460.4M | $469.5M | 46.66% | 17.47% | 0.72% |
| Q4 2024 | $454.1M | $449.9M | 47.79% | 16.52% | 0.70% |
| Q1 2025 | $457.5M | $449.8M | 48.41% | 17.52% | 0.66% |
| Q2 2025 | $460.0M | $435.0M | 47.83% | 19.04% | 0.61% |
| Q3 2025 | $443.7M | $437.4M | 45.93% | 20.45% | 0.60% |
| Q4 2025 | $423.1M | $435.1M | 44.31% | 21.22% | 0.58% |
| Q1 2026 | $405.1M | $426.7M | 44.15% | 21.64% | 0.24% |
| Q2 2026 | $400.3M | $428.1M | 44.12% | 21.39% | 0.23% |
Coulee Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coulee Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Coulee Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18361) · FFIEC NIC profile (RSSD 457752)