# COULEE BANK
LA CROSSE, WI · FDIC certificate 18361 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $524.4M | |
| Deposits | $428.1M | |
| Loans and leases | $400.3M | |
| Total equity | $39.1M | |
| Loans / deposits | 92.13% (p76 of band) | 82.04% |
| Liquid assets / assets | 22.29% (p40 of band) | |
| Uninsured deposits / deposits | 19.79% (p28 of band) | 25.97% |
| Brokered deposits | 4.09% | |
| Wholesale funding | 14.11% (p86 of band) | |
| FHLB advances / assets | 9.73% | |
| Tier 1 leverage | 9.13% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -25.23% (p16 of band) | -8.10% |
| AOCI / equity | -1.11% (p19 of band) | |
| ROA (annualized) | 0.47% (p11 of band) | 1.28% |
| Net interest margin | 3.57% (p32 of band) | 3.91% |
| Efficiency ratio | 85.56% (p93 of band) | |
| Noncurrent loans | 2.50% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 59.03% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 21.15% (p26 of band) | |
| Auto loans | $655,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | wholesale funding >15% |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | reserve under noncurrent | capital falling |
| 2013-06 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 3 | brokered >10% |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | brokered >10% |
| 2015-03 | 3 | brokered >10%, capital falling |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 1 |  | brokered >10% |
| 2016-03 | 2 | brokered >10% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | brokered >10% |
| 2017-03 | 2 | brokered >10% |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 1 |  | brokered >10%, capital falling |
| 2018-03 | 2 | brokered >10% |  |
| 2018-06 | 2 | loans exceed deposits | brokered >10% |
| 2018-09 | 2 | capital falling | wholesale funding >15% |
| 2018-12 | 2 | wholesale funding >15% | capital falling |
| 2019-03 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2019-06 | 5 | wholesale funding >15%, capital falling, noncurrent p90 |  |
| 2019-09 | 2 |  | wholesale funding >15%, capital falling, noncurrent p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, losing money, expense ratio p90 | capital falling |
| 2022-06 | 4 | securities losses >30% of equity, charge-offs p90 | losing money |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | charge-offs p90 |
| 2023-03 | 3 | loans exceed deposits | AOCI drag >20% of equity |
| 2023-06 | 5 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-09 | 4 |  | wholesale funding >15% |
| 2023-12 | 5 | wholesale funding >15% |  |
| 2024-03 | 6 | capital falling, losing money | uninsured deposits leaving |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity, loans exceed deposits |
| 2024-12 | 6 | securities losses >30% of equity | capital falling |
| 2025-03 | 6 | loans exceed deposits | securities losses >30% of equity |
| 2025-06 | 8 | securities losses >30% of equity, deposits shrinking |  |
| 2025-09 | 8 | charge-offs p90, assets shrinking | loans exceed deposits, securities losses >30% of equity |
| 2025-12 | 5 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2026-03 | 5 | capital falling, deposits shrinking | losing money, charge-offs p90 |
| 2026-06 | 3 | noncurrent p90 | wholesale funding >15%, capital falling, deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-04 [Coulee Bank warns of phone scam using their number - news8000.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNdUVDdzJpWmo4eUlQMkpIQk42aGV2c2JrbkZDVElqNlpuWFhtRnMxV0dScGZBa2VVeVBKbXNUaDZ2a1Zqc2ZfUFZoRkNNSWZFelZOdGpRcEozbGtOY3d0ODRqV25LbTNjc3lwVXNsbDBQVFlQdktpQ3Rzdkt1TElLcmh3ekNnQTd3RHgxbFlfeGZESXMtMUkxUkRlakV3WWVLTF9VQkFZeFNKM1p3dXZsSm1aVERZempDWktGc1RBWVc3cW50ektzdUZvQWpXZmJrTkRPS0FRWTc?oc=5) · news8000.com
- 2024-09-13 [Turning community bank employees into AI enthusiasts - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxPeDlwcXRpckFQV2lPR3M4V0libV82aHBQUGZfaG4xYlBvMEswYUNlRVZaeHVRTklaUlpCaDRLamNaaDl3YmplcTRmM2Z4Y0Q2RWVlOTZWSW1CeUVIejJpM1ZqNTA3a3dfUVBxN0VuVEgwalVhdVhsX1ZRUVJrNUlYZlBNcGY1UEJoMDlsQl9pU05jdw?oc=5) · American Banker
- 2010-05-22 [Federal regulators have shut down St. Paul-based Pinehurst Bank - MPR News](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8zZDY5QUFDSVJLVVJPYVVUUk00SXRvQkQ5c2U5NXhUZDJRRHE3WGNNS3lBbVRYLS03TG4ycGkwdE56VGlTNzVMVEQwOGI4OVFhODc3UHBwQ1V5RHJhUmJBTW16TQ?oc=5) · MPR News
- 2025-07-03 [Community leader Gasterland passes away - wizmnews.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcGZJSE8zZzYxemFrd0lNWTBiSVNjcUhmZ0RmVUtBV0VvVTVlMXV6QlVrNTF5Z3FKVktnXzhDWXY4MTl5S3hHdVJHTHV3RTVPZy0xbnBKSmplT2pfNHRhSEc5SXBZQ1A1NVROTUxPN1U1ci0yLTRGMjZWT2NfeE94Rml30gGHAUFVX3lxTE4wRUFxUjg4UFFQWHpjZEJnSmxXNmtKUTlfYjVUcm8tOUJvay0wWTNlaWFzeHJDZzFPLUtCUVlra0oydmgtSXZjbTlmeG4xV2xTVVdFbmNtWVVOTjR1eHlLU1pudjJlNXhlaENGdlI0VEdvREJ3cVJGa0FHZWotVVVWYjJaQUFpUQ?oc=5) · wizmnews.com
- 2026-01-20 [Vicki A. Gilbertson Obituary Jan 20, 2026 - Schumacher-Kish Funeral and Cremation Services](https://news.google.com/rss/articles/CBMia0FVX3lxTE1ZX3hHcmRZU3hnMy1saE9PTTY4cHh6NU0tbmZNQmpmNWEzNGxSS0J5c3lQS2hEemt0ekticXB6YXBCYTlfOGpkbDZEd0pVaExwX2EzbHZUR1Z3NkI3XzY4bi1JOHlNd1hfVHZJ?oc=5) · Schumacher-Kish Funeral and Cremation Services
- 2016-05-14 [Beuford "Bo" G. Fry - Coulee Cremation](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5WS083U1RIUUQxaVR6T3NpUGdDOHgxVmQtZTRsZEEwRTVITm9QcGstdTBlc2VLSE9kQ2Nnc09BVXUyNkJkdkZ6ZGZEOG52OWt6b2x2QmoxUWQ?oc=5) · Coulee Cremation
- 2019-07-11 [Thor Construction socked with another seven-figure lawsuit - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxON0E1TFhJVXZfa0l0OUZGXzU2bF9WbmJGTldVSkZtMERaN1ZoUDFPNjdLVzdGeFJDZlROOFlOMDNhU2lXV0tkV2JNTXBkRWM1TWFiTUkxWmxHaHAyYnhhTC1oX1dqNE1MSXNPVS1ZSVFQYXpZX3UtMDZxZUM0Z0duNE0wS1E1djVRMHlXdWExMXNsZ1pVSWZZaGl0dE14aUo5eUEtdnhDY1U0ZVRFdTY0?oc=5) · The Business Journals
- 2024-02-04 [Lois Mae Murray Obituary Feb 4, 2024 - Schumacher-Kish Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5QU3pTcDZqcW1rQnpCMGs3RUxaUmpuc3FBQkIweEU4OTdUUVlfZmJMX3hQS2hCZTl0dnBGR3NzQTl0T05JVjQ4WHQ2SXVkTFdzNGlfX2JBZk9yS3d4VUdiOHpfZ1A?oc=5) · Schumacher-Kish Funeral and Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18361 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "18361", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide