BlastPoint's Banking Scorecard
Coulee Bank
Community
Specialty: Commercial
WI
FDIC cert 18361
La Crosse, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Coulee Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2% in Community
- - Efficiency Drag: Bottom 7% in Community
- - Deposit Outflow: Bottom 49% in Community
- - Capital Constraint: Bottom 52% in Community
- - Return on Assets 2.33% below tier
- - Nonperforming Asset Ratio 1.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$543.0M
-1.8% YoY
+0.2% QoQ
|
-$848.4M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$417.1M
-7.1% YoY
-4.6% QoQ
|
-$558.3M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$435.1M
-3.3% YoY
-0.5% QoQ
|
-$729.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-1.17%
-915.4% YoY
-4.6% QoQ
|
-2.33% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.26%
+17.5% YoY
+1.0% QoQ
|
-0.40% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
92.41%
-8.8% YoY
-1.8% QoQ
|
+29.78% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.96%
-41.1% YoY
-3.3% QoQ
|
+1.33% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
95.87%
-4.0% YoY
-4.1% QoQ
|
+12.81% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
15.96%
+3.3% YoY
+4.5% QoQ
|
-5.08% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.57%
-42.1% YoY
-7.6% QoQ
|
+1.07% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
10.77%
-12.5% YoY
-5.8% QoQ
|
+0.53% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.34%
-14.2% YoY
+27.0% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Liquidity Strain
risk
#10 of 513 · Bottom 2% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.87%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#12 of 152 · Bottom 7% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
92.41%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#123 of 248 · Bottom 49% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#25 of 47 · Bottom 52% in Community
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:
95.87%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
10.77%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.17%
(Tier avg: 1.16%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
1.57%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.87% · Tier avg: 83.06%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.77% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.96% · Tier avg: 21.05%
29
29th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
17
17th pctile
Total Loans
Current: $417.1M · Tier avg: $975.5M
11
11th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.57% · Tier avg: 0.50%
6
6th pctile
Total Assets
Current: $543.0M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $435.1M · Tier avg: $1.2B
3
3th pctile
Efficiency Ratio
Current: 92.41% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -1.17% · Tier avg: 1.16%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -1.17% · Tier avg: 1.16%
3
3th pctile
Efficiency Ratio
Current: 92.41% · Tier avg: 62.63%
3
3th pctile
Total Deposits
Current: $435.1M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $543.0M · Tier avg: $1.4B
10
10th pctile
Nonperforming Asset Ratio
Current: 1.57% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.63%
17
17th pctile
Total Loans
Current: $417.1M · Tier avg: $975.5M
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
29
29th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.96% · Tier avg: 21.05%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.77% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.87% · Tier avg: 83.06%