Coulee Bank (FDIC #18361): Bank Stress & Real-Estate Credit Exposure
Coulee Bank (FDIC Cert #18361): bank stress 90/100, severe, STABLE over 7 days; parent COULEE BANCSHARES INC.
Coulee Bank (#18361) lends in 4 counties across 2 states; Coulee Bank (#18361) reaches 134 ZIP codes: Minnesota 3 counties, 119 ZIPs; Wisconsin 1 county, 15 ZIPs.
Coulee Bank (#18361) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#18361), Ramsey County, MN (27 branches, 27 ZIPs) (#18361), Olmsted County, MN (21 branches, 21 ZIPs) (#18361), La Crosse County, WI (45 branches, 15 ZIPs) (#18361).
Coulee Bank (#18361) reports $524.4 million in total assets; Coulee Bank (#18361) equity $39.1 million (7.5% of Coulee Bank (#18361) assets); Coulee Bank (#18361) domestic deposits $428.1 million; Coulee Bank (#18361) net income $1.2 million; Coulee Bank (#18361) return on assets 0.47%; Coulee Bank (#18361) return on equity 6.49%; Coulee Bank (#18361) net interest income $9.1 million; Coulee Bank (#18361) call report June 30, 2026.
Coulee Bank (#18361) noncurrent real-estate loans 0.15% of its book; Coulee Bank (#18361) residential 0.27%; Coulee Bank (#18361) net charge-offs on real estate 2.29%; Coulee Bank (#18361) multifamily charge-offs 2.71%; Coulee Bank (#18361) residential charge-offs 1.83%.
Coulee Bank (#18361) net interest margin 3.57% against an eight-quarter Coulee Bank (#18361) average of 3.16% (Coulee Bank (#18361) compression -0.41 points); Coulee Bank (#18361) real-estate loans 15.1% of equity; Coulee Bank (#18361) non-residential real estate 183.4% of equity; Coulee Bank (#18361) rate-exposure score 40/100, Coulee Bank (#18361) fixed-rate trap 40/100; Coulee Bank (#18361) risk type credit driven; Coulee Bank (#18361) rate regime rates elevated, Coulee Bank (#18361) snapshot October 19, 2026.
Coulee Bank (#18361) stress score moved from 88.6 on June 22, 2026 to 90 on October 20, 2026; Coulee Bank (#18361) ranged 88.6 to 90 over 117 snapshots.
Coulee Bank (#18361) alerts: 4 counties; top Coulee Bank (#18361) alert scores: Hopkins County, WI 29 (low); Onalaska County, WI 29 (low); Rochester County, WI 29 (low); Saint Paul County, WI 29 (low).