BlastPoint's Banking Scorecard

Coulee Bank

$100M-$1B Specialty: Commercial WI FDIC cert 18361

La Crosse, WI

8 branches across MN · WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits -1.6% year over year ($428.1M on the books).
Delinquency rate 2.54%.
Return on assets 0.47%.
Efficiency ratio 85.56% vs a 64.48% peer average.
Loan-to-deposit ratio 92.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Coulee Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.7% in tier
- Efficiency Ratio 21.08% above tier average
- Delinquency Rate 1.62% above tier average
- Nonperforming Asset Ratio 1.24% above tier average
- ROA 0.85% below tier average
- Net Interest Margin 0.42% below tier average

Get updates when Coulee Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$524.4M -4.0% YoY +0.0% QoQ	+$137.8M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$394.4M -12.3% YoY -1.2% QoQ	+$136.1M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$428.1M -1.6% YoY +0.3% QoQ	+$101.4M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	0.47% +126.0% YoY -5.8% QoQ	-0.85%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Bottom 11.4% in tier
Net Interest Margin ?	3.57% +13.7% YoY +1.3% QoQ	-0.42%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	85.56% -10.9% YoY +1.3% QoQ	+21.08%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Bottom 8.5% in tier
Delinquency Rate ?	2.54% -27.4% YoY +22.8% QoQ	+1.62%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 8.5% in tier
Loan-to-Deposit Ratio ?	92.13% -10.9% YoY -1.5% QoQ	+14.18%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	16.37% +2.3% YoY +4.6% QoQ	-5.66%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	1.91% -35.1% YoY +17.9% QoQ	+1.24%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 8.1% in tier
Tier 1 Capital Ratio ?	11.54% +4.5% YoY +2.6% QoQ	-4.37%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.21% +23.7% YoY +100.2% QoQ	-0.36%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	16.4% +0.4pp YoY +0.7pp QoQ	-5.8pp	22.1%	18.9%	22.2%	29%
Brokered Deposits	5.0% -2.5pp YoY -1.0pp QoQ	-2.8pp	7.9%	9.2%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	21.7% +2.2pp YoY -0.3pp QoQ	+10.2pp	11.6%	10.5%	12.5%	90%
CRE	58.9% -3.8pp YoY -0.7pp QoQ	+19.4pp	39.5%	46.4%	41.4%	83%
1-4 Family	20.4% +1.3pp YoY +1.0pp QoQ	-12.3pp	32.6%	32.3%	31.3%	31%
Consumer	0.2% -0.4pp YoY 0.0pp QoQ	-3.9pp	4.1%	2.6%	5.0%	9%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	11.5% +0.5pp YoY +0.3pp QoQ	-7.3pp	18.8%	15.5%	19.7%	12%
Leverage Ratio	9.1% +0.5pp YoY +0.6pp QoQ	-3.0pp	12.2%	12.6%	12.6%	14%
Total Capital Ratio	12.8% +0.5pp YoY +0.3pp QoQ	-7.1pp	19.9%	16.6%	20.8%	14%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	79 -2 (-2.5%) YoY -1 (-1.2%) QoQ	+20	58	134	482	76%
Assets per Employee ($)	$6.6M -1.5% YoY +1.3% QoQ	-$881K	$7.5M	$8.2M	$8.8M	45%
Branch Count	8 0 YoY 0 QoQ	+3	4	9	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	2.5% -1.0pp YoY +0.5pp QoQ	+1.6pp	0.9%	0.9%	1.0%	92%
Allowance Coverage	0.59x -6.6% YoY -20.5% QoQ	-23.56x	24.15x	56.89x	20.23x	13%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.2pp QoQ	0.0pp	0.1%	0.0%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	6.5% +31.2pp YoY -0.5pp QoQ	-5.7pp	12.2%	11.8%	11.6%	18%
Cost of Funds (YTD)	2.2% -0.4pp YoY -0.1pp QoQ	+0.5pp	1.7%	1.8%	1.7%	82%
Net Income ($, YTD)	$1.2M +125.2% YoY — QoQ	-$1.3M	$2.6M	$7.9M	$40.4M	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#6 of 691 • Bottom 0.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.13%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

559

Total Loans

size

Value: $394.43M

Peer Median: $258.35M

#559 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (5 metrics)

2431

Nonperforming Asset Ratio

credit_quality

Value: 1.91%

Peer Median: 0.67%

#2431 of 2643 Bottom 8.1% in $100M-$1B

2420

Efficiency Ratio

profitability

Value: 85.56%

Peer Median: 64.48%

#2420 of 2643 Bottom 8.5% in $100M-$1B

2409

Delinquency Rate

credit_quality

Value: 2.54%

Peer Median: 0.92%

#2409 of 2633 Bottom 8.5% in $100M-$1B

2342

Return on Assets

profitability

Value: 0.47%

Peer Median: 1.32%

#2342 of 2643 Bottom 11.4% in $100M-$1B

2065

Loan-to-Deposit Ratio

liquidity

Value: 92.13%

Peer Median: 77.95%

#2065 of 2643 Bottom 21.9% in $100M-$1B