Coulee Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Coulee Bank of La Crosse, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.44% | 1.25% | -0.81% | 10th bottom |
| ROAE | 6.04% | 13.17% | -7.13% | 16th bottom |
| Net Interest Margin | 3.56% | 3.95% | -0.39% | 29th below |
| Efficiency Ratio | 85.97% | 61.50% | +24.47% | 8th bottom |
| PPNR / Avg Assets | 0.52% | — | — | 8th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.67% | -0.02% | 52nd above |
| Cost of Funds | 2.27% | 1.87% | +0.40% | 22nd bottom |
| Net Interest Spread | 3.00% | — | — | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.51% | 0.93% | +1.58% | 9th bottom |
| NPA / Total Assets | 1.92% | — | — | 8th bottom |
| NCO / Avg Loans | 0.32% | 0.15% | +0.17% | 9th bottom |
| ACL / Total Loans | 1.48% | — | — | 77th top |
| ACL / NPLs (Coverage) | 58.87% | — | — | 14th bottom |
| Texas Ratio | 22.52% | 6.06% | +16.46% | 4th bottom |
| Provision / NCO | 87.50% | — | — | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.54% | 17.18% | -5.64% | 12th bottom |
| Tier 1 Ratio | 11.54% | 17.21% | -5.67% | 12th bottom |
| Total Capital Ratio | 12.79% | — | — | 14th bottom |
| Leverage Ratio | 9.13% | 11.75% | -2.62% | 14th bottom |
| Equity / Assets | 7.46% | 10.98% | -3.52% | 8th bottom |
| TCE / Tangible Assets | 7.36% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.51% | 80.44% | +13.07% | 22nd bottom |
| Core Deposit Ratio | 91.65% | 86.95% | +4.70% | 65th above |
| Wholesale Funding Ratio | 10.02% | — | — | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.96% | — | — | 6th bottom |
| Loan Growth (Y/Y) | -12.96% | — | — | 1st bottom |
| Deposit Growth (Y/Y) | -1.58% | — | — | 15th bottom |
See Coulee Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Coulee Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Coulee Bank profile, how to read a UBPR, or how this data updates.