Coulee Bank: Bank Stress & Real-Estate Credit Exposure

At 90/100, Coulee Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #18361. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Coulee Bank finances markets like Hennepin County, MN, Ramsey County, MN, Olmsted County, MN, La Crosse County, WI — the specific places where its credit posture translates into local lending capacity. A severe score on a footprint this size means the markets Coulee Bank touches inherit a corresponding share of that lending pressure. Coulee Bank is held under Coulee Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. Coulee Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. DLRadar does not model Coulee Bank in isolation: the 134-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. No bank is too small to score the same way: Coulee Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 134-ZIP profile means exactly what it would for any institution nationwide. DLRadar maps Coulee Bank into 4 counties (134 ZIP codes) across 2 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in Minnesota (3 counties), Wisconsin (1 county).

For buyers, lender stress is an early map of supply: when Coulee Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.