Coulee Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.10 percentage points lower than in Q1 2026, at 58.87%. On return on assets, Coulee Bank is 9th from the bottom among 153 Wisconsin banks, 0.44% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Coulee Bank reported 0.44% on return on assets in Q2 2026, 0.82 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 9.13% |
| Equity capital to assets | 7.46% |
| Tangible equity to tangible assets | 7.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.51% |
| Non-performing assets ratio | 1.92% |
| Net charge-off ratio | 0.32% |
| Texas ratio | 22.52% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 58.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 6.04% |
| Net interest margin | 3.56% |
| Efficiency ratio | 85.97% |
| Yield on earning assets | 5.65% |
| Cost of funds | 2.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.51% |
| Core deposits to total deposits | 91.65% |
| Brokered deposits to total deposits | 5.01% |
| Deposits to assets | 81.64% |
| Securities to assets | 17.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.53% | 12.53% | 13.64% | 9.53% | 0.31% |
| Q4 2023 | 12.29% | 12.29% | 13.41% | 9.30% | -0.17% |
| Q1 2024 | 12.08% | 12.08% | 13.20% | 9.18% | -0.05% |
| Q2 2024 | 12.17% | 12.17% | 13.32% | 9.12% | 0.02% |
| Q3 2024 | 11.97% | 11.97% | 13.14% | 9.09% | -0.17% |
| Q4 2024 | 12.30% | 12.30% | 13.48% | 9.24% | -0.24% |
| Q1 2025 | 12.25% | 12.25% | 13.44% | 9.33% | -0.06% |
| Q2 2025 | 11.04% | 11.04% | 12.30% | 8.58% | -3.44% |
| Q3 2025 | 11.44% | 11.44% | 12.69% | 8.79% | 0.26% |
| Q4 2025 | 10.77% | 10.77% | 12.02% | 8.54% | -1.30% |
| Q1 2026 | 11.24% | 11.24% | 12.50% | 8.52% | 0.47% |
| Q2 2026 | 11.54% | 11.54% | 12.79% | 9.13% | 0.44% |
Coulee Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Coulee Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)