FDIC Cert #18361 · La Crosse, Wisconsin · Est. 1961

Coulee Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$543M
Total assets
D
Health grade · Weak
-1.17%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

Coulee Bank earns a PlainBankData health grade of D (38/100), with well-capitalized at 10.77% Tier 1, -1.17% ROA, 92% efficiency ratio.

#1,691
largest of 4,313 FDIC banks by assets
61st
percentile by asset size, nationally
10.77%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 18361 · WI D · 38/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (38/100)
  • BOTTOM-DECILE #4245/4307
  • PHOTO-FINISH Bank of Lumber City · GA
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-HEALTHY 18.5% Texas
  • ROA-LOSS -1.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Bank of Lumber City, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Coulee Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Lumber City · GA · n…38/100Coulee Bank · WI · this bank38/100Devon Bank · IL · near38/100Marion Community Bank · AL ·…38/100Monterey County Bank · CA · …38/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Coulee Bank · July 2026

Call Report read for Coulee Bank in a high-failure state

Coulee Bank (FDIC Cert #18361) carries a PlainBankData health grade of D at 38/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,245 of 4,307. Tier 1 capital prints at 10.77%, clearing the 10% well-capitalized line. The Texas Ratio is 18.47%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.17%. Balance-sheet scale is $543M, 1,691st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Lumber City (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Coulee Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Coulee Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Coulee Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Coulee Bank's 38/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10038/100
Coulee Bank's composite health score
Tier 1 Capital Ratio (10.77%) 28/40
Return on Assets (ROA) (-1.17%) 0/25
Texas Ratio (18.47%) 10/20
Efficiency Ratio (92.41%) 0/15

38 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$543M

Total balance-sheet footings

Total Deposits

$435M

Customer-funded liabilities

Net Loans

$417M

Outstanding loan book

Net Income

$-6,393K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.37% 10.77% 12.17%
Basel III capital ratios - Coulee Bank

Where Coulee Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Coulee Bank's score of 38/100 falls in the highlighted band.

Coulee Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

38 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Coulee Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Coulee Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Coulee Bank's $543M falls in the highlighted band.

Capital & credit buffers at Coulee Bank

Tier 1 capital ratio
Well-capitalized 10%

10.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.77%
Texas Ratio
18.47%
Equity Capital
$38M

What these ratios mean →

Profitability metrics: Coulee Bank

Return on Assets (ROA)
2nd percentile nationally
-1.17%
Return on Equity (ROE)
-16.14%
Efficiency Ratio
92.41%

What these mean →

Income & expense: loss period at Coulee Bank

$30M
Interest Income
$2M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Coulee Bank reports a Texas Ratio of 18.47% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Coulee Bank

Coulee Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-6,393K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Coulee Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Coulee Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($543M here), outside Wisconsin so the neighborhood is not state containment.

Bank of the Valley $543M · NE Community Bank Mankato $543M · MN Table Rock Community Bank $543M · MO The Cooperative Bank $543M · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Coulee Bank (FDIC Cert #18361) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Coulee Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%