BlastPoint's Banking Scorecard

Coulee Bank

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

La Crosse, WI

8 branches across MN · WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Coulee Bank faces 7 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 1.6% in tier
- Capital Constraint: Bottom 18.5% in tier
- Deposit Outflow: Bottom 29.8% in tier
- ROA 0.77% below tier average
- Net Interest Margin 0.40% below tier average
- Efficiency Ratio 19.15% above tier average
- Delinquency Rate 1.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$524.3M -4.3% YoY -3.4% QoQ	+$138.3M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$399.0M -11.8% YoY -4.3% QoQ	+$143.3M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$426.7M -5.1% YoY -1.9% QoQ	+$98.7M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	0.50% +969.8% YoY +142.7% QoQ	-0.77%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 13.2% in tier
Net Interest Margin ?	3.53% +16.9% YoY +8.2% QoQ	-0.40%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	84.44% -15.1% YoY -8.6% QoQ	+19.15%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 10.4% in tier
Delinquency Rate ?	2.07% -40.7% YoY +5.6% QoQ	+1.18%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 11.8% in tier
Loan-to-Deposit Ratio ?	93.51% -7.0% YoY -2.5% QoQ	+16.87%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	15.66% +2.1% YoY -1.9% QoQ	-6.36%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	1.62% -43.8% YoY +3.5% QoQ	+0.98%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 10.0% in tier
Tier 1 Capital Ratio ?	11.24% -8.2% YoY +4.4% QoQ	-4.59%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.10% +29.3% YoY -69.9% QoQ	-0.18%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	54%

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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 (3)

Liquidity Strain

risk

#11 of 643 • Bottom 1.6% 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: 93.51%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#21 of 108 • Bottom 18.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 93.51%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.24%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#152 of 506 • Bottom 29.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

550

Total Loans

size

Value: $399.02M

Peer Median: $255.72M

#550 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (5 metrics)

2398

Nonperforming Asset Ratio

credit_quality

Value: 1.62%

Peer Median: 0.64%

#2398 of 2664 Bottom 10.0% in $100M-$1B

2387

Efficiency Ratio

profitability

Value: 84.44%

Peer Median: 65.29%

#2387 of 2664 Bottom 10.4% in $100M-$1B

2342

Delinquency Rate

credit_quality

Value: 2.07%

Peer Median: 0.89%

#2342 of 2654 Bottom 11.8% in $100M-$1B

2314

Return on Assets

profitability

Value: 0.50%

Peer Median: 1.27%

#2314 of 2664 Bottom 13.2% in $100M-$1B

2205

Loan-to-Deposit Ratio

liquidity

Value: 93.51%

Peer Median: 76.64%

#2205 of 2664 Bottom 17.3% in $100M-$1B