Overview
Coulee Bank is a family-owned community bank that serves Wisconsin and Minnesota with personal and business banking. It uses local deposits to fund loans for individuals and area businesses, supporting local economic growth. For individuals, it offers checking and savings accounts, multiple mortgage options (conventional, FHA, VA, USDA) and first-time homebuyer programs via WHEDA and MHFA, plus online and mobile banking with features like mobile deposits. For businesses, it provides lines of credit, equipment financing, commercial real estate loans, and treasury management services (remote deposit, ACH, online wires, fraud tools). As an SBA Preferred Lender, it underwrites loans for startups and existing businesses. Its approach combines direct relationship-based service, local decision-making, and a broad product set tuned to the community. The bank’s goal is to support local communities' growth by helping residents buy homes, fund small businesses, and manage cash flow securely.
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Simplify's take
What believers are saying
- Q3 2026 net income jumped to $797,000, up 116% year over year.
- Net interest margin rose to 3.70% in Q3 2026, supporting profitability.
- November 2026 marketing and staff spotlights signal active community engagement and retention efforts.
What critics are saying
- Q3 2026 assets fell to $517 million, while deposits slipped 1.1% quarter-over-quarter.
- Nonaccrual loans reached 2.39% in Q3 2026; C&I past dues hit 4.49%.
- Further loan stress can overwhelm earnings, force capital preservation, and trigger a franchise sale.
What makes Coulee Bank unique
- Family-owned since 1961, Coulee Bank keeps decision-making local in Wisconsin and Minnesota.
- January 2023 treasury management gives small businesses cash-flow tools beyond basic community banking.
- The St. Paul relocation and Golden Valley deposit acquisition show disciplined Twin Cities expansion.
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