Coulee Bank: how it compares with its peers
Against 80 WI banks with half to twice its assets, Coulee Bank's strongest measure in Q2 2026 is net interest margin (3.57% vs. a 3.79% peer median). Its weakest relative measure is efficiency ratio (85.56% vs. 59.21%).
| Measure | Coulee Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.47% | 1.37% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.79% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.56% | 59.21% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.4M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.13% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 85.56% is above the 59.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Citizens State Bank Whitewater, WI · $525M
- Woodford State Bank Monroe, WI · $523M
- State Bank of Chilton Chilton, WI · $517M
- Bank of Lake Mills Lake Mills, WI · $534M
- State Bank Financial La Crosse, WI · $512M
- Mound City Bank Platteville, WI · $551M
Questions about Coulee Bank
How big is Coulee Bank?
Coulee Bank, established in 1961, is headquartered in La Crosse, WI. It reported $524M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Coulee Bank's return on assets?
0.47% annualized in Q2 2026, against a 1.37% median for 80 WI banks with half to twice its assets, ahead of 10% of them.
What is Coulee Bank's efficiency ratio?
85.56% in Q2 2026: it spent about 86 cents in noninterest expense for each dollar of revenue. The peer median is 59.21%, and lower is better.
Is Coulee Bank growing its loans?
Net loans shrank 12.3% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.