C

Coulee Bank

Community bank with commercial lending

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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About Coulee Bank

Simplify's Rating
Why Coulee Bank is rated
D+
Rated C on Competitive Edge
Rated D+ on Growth Potential
Rated D+ on Differentiation

Industries

Financial Services

Company Size

51-200

Company Stage

N/A

Total Funding

N/A

Headquarters

La Crosse, Wisconsin

Founded

1961

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Simplify's Take

What believers are saying

  • Coulee Bank reopened 733 Grand Avenue in Saint Paul during 2026, signaling expansion.
  • Q2 2026 assets held $524.37 million, preserving scale for community lending.
  • 2026 treasury-management trainings and Gen Z podcasting deepen client engagement and brand reach.

What critics are saying

  • Q2 2026 ROA was 0.44%; thin earnings restrict hiring, technology, and loan growth.
  • Deposits fell to $428 million in Q2 2026; funding pressure tightens lending capacity.
  • CRE concentration remains 252%; a La Crosse property slump would hit capital fast.

What makes Coulee Bank unique

  • Family-owned since 1961; La Crosse headquarters anchor local lending decisions.
  • SBA Preferred Lender status supports startups and established businesses across Wisconsin and Minnesota.
  • Treasury management and mortgage programs create sticky relationship banking beyond plain deposit gathering.

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Benefits

Paid Holidays

Paid Vacation

401(k) Company Match

Profit Sharing

Tuition Reimbursement

Hybrid Work Options

Remote Work Options

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