Lenders › Coulee Bank
7(a) lenderLa Crosse, WisconsinFDIC-insured bank415th of 2,184 by approvals
Coulee Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Coulee Bank, based in La Crosse, Wisconsin, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 69 of its 7(a) loans worth $50.3M in FY2021 to FY2025, which places it 415th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 3 approvals totalling $2.3M. FY2026 to 30 Jun 2026 adds 1 more.
The median approval was $460K, against $190K for the 7(a) program as a whole; 21.7% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 18 counties, led by Minnesota (72.5%), Wisconsin (26.1%) and Iowa (1.4%). The largest industry group was accommodation and food services at 21.7% of approvals, and 13.0% of approvals were to franchise businesses.
Of 100 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (4.0%), 69 as paid in full and 27 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 1 | — | — | — | 1 |
| FY2025 | 3 | $2.3M | $615K | $762K | 167 |
| FY2024 | 6 | $3.2M | $175K | $526K | 82 |
| FY2023 | 13 | $8.6M | $331K | $660K | 290 |
| FY2022 | 15 | $9.6M | $293K | $638K | 152 |
| FY2021 | 32 | $26.8M | $550K | $836K | 517 |
| FY2020 | 10 | $4.6M | $215K | $458K | 68 |
| FY2019 | 8 | $3.7M | $225K | $459K | 160 |
| FY2018 | 10 | $1.5M | $101K | $152K | 77 |
| FY2017 | 7 | $1.5M | $150K | $208K | 53 |
| FY2016 | 7 | $2.3M | $195K | $334K | 53 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 42 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Minnesota | 7(a) program |
|---|---|---|---|
| Approvals in these years | 105 | 18,934 | 639,905 |
| Cancelled or never disbursed | 5 | 2,040 | 79,313 |
| Disbursed loans | 100 | 16,894 | 560,592 |
| Paid in full | 69 | 13,664 | 435,813 |
| Charged off | 4 | 778 | 36,891 |
| Still outstanding (status exempt from disclosure) | 27 | 2,452 | 87,888 |
| Charged off, share of disbursed loans | 4.0% | 4.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.9% | 2.4% | 2.5% |
| Dollars charged off | $790K | $131M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 28 | 10 | 0 | — | 2.8% |
| FY2020 | 9 | 7 | 1 | — | 4.0% |
| FY2019 | 8 | 3 | 0 | — | 6.7% |
| FY2018 | 10 | 5 | 2 | — | 7.9% |
| FY2017 | 7 | 7 | 0 | — | 7.7% |
| FY2016 | 7 | 6 | 1 | — | 7.2% |
| FY2015 | 1 | 1 | 0 | — | 6.9% |
| FY2014 | 3 | 3 | 0 | — | 6.4% |
| FY2013 | 4 | 4 | 0 | — | 6.0% |
| FY2012 | 4 | 4 | 0 | — | 6.3% |
| FY2011 | 9 | 9 | 0 | — | 6.9% |
| FY2010 | 10 | 10 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $460K | $190K |
| Average approval | $730K | $518K |
| Approvals of $150,000 or less | 21.7% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 36.2% | 34.3% |
| Approvals to franchise businesses | 13.0% | 11.5% |
| Jobs supported per approval, as reported | 17.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.0% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Minnesota | 50 | $36.3M | 72.5% | |
| 2 | Wisconsin | 18 | $13.5M | 26.1% | |
| 3 | Iowa | 1 | — | 1.4% |
In Minnesota the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (18 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Hennepin County, MN | 21 | $19.3M | 30.4% | |
| 2 | La Crosse County, WI | 11 | $8.4M | 15.9% | |
| 3 | Ramsey County, MN | 9 | $5.6M | 13.0% | |
| 4 | Olmsted County, MN | 7 | $1.1M | 10.1% | |
| 5 | Vernon County, WI | 4 | $1.9M | 5.8% | |
| 6 | Washington County, MN | 3 | $2.6M | 4.3% | |
| 7 | Dakota County, MN | 3 | $799K | 4.3% | |
| 8 | Crow Wing County, MN | 1 | — | 1.4% | |
| 9 | Iron County, WI | 1 | — | 1.4% | |
| 10 | Freeborn County, MN | 1 | — | 1.4% | |
| 11 | Wright County, MN | 1 | — | 1.4% | |
| 12 | Goodhue County, MN | 1 | — | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 15 | 21.7% | |
| 2 | Manufacturing | 12 | 17.4% | |
| 3 | Real Estate and Rental and Leasing | 7 | 10.1% | |
| 4 | Other Services (except Public Administration) | 6 | 8.7% | |
| 5 | Health Care and Social Assistance | 6 | 8.7% | |
| 6 | Construction | 5 | 7.2% | |
| 7 | Utilities | 4 | 5.8% | |
| 8 | Arts, Entertainment, and Recreation | 4 | 5.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 11.6% | |
| 2 | Lessors of Real EstateNAICS 5311 | 6 | 8.7% | |
| 3 | Traveler AccommodationNAICS 7211 | 5 | 7.2% | |
| 4 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 5 | 7.2% | |
| 5 | Electric Power Generation, Transmission and DistributionNAICS 2211 | 4 | 5.8% | |
| 6 | Beverage ManufacturingNAICS 3121 | 4 | 5.8% | |
| 7 | Offices of DentistsNAICS 6212 | 3 | 4.3% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.3% | |
| 9 | Personal Care ServicesNAICS 8121 | 3 | 4.3% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 4.3% |
Approval sizes
- $50,000 or less7.2%5
- $50,001 to $150,00014.5%10
- $150,001 to $350,00024.6%17
- $350,001 to $1 million31.9%22
- $1 million to $2 million11.6%8
- Over $2 million10.1%7
Loan terms
- 5 years or less4.3%3
- Over 5 to 10 years56.5%39
- Over 10 to 20 years26.1%18
- Over 20 years13.0%9
Age of the businesses
- Existing, more than 2 years old39.1%27
- New business, 2 years or less18.8%13
- Startup, loan funds will open the business17.4%12
- Change of ownership24.6%17
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 62 | 89.9% | |
| 2 | SBA Express Program | 5 | 7.2% | |
| 3 | 7(a) WCP | 1 | 1.4% | |
| 4 | 7a with EWCP | 1 | 1.4% |
Franchise share
9 of 69 approvals in FY2021–FY2025 (13.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Econo Lodge | 2 | 2.9% | |
| 2 | Domino's Pizza | 2 | 2.9% | |
| 3 | Clarion Inn | 1 | 1.4% | |
| 4 | Los Campeones Gym | 1 | 1.4% | |
| 5 | The UPS Store | 1 | 1.4% | |
| 6 | Minuteman Press | 1 | 1.4% | |
| 7 | Sport Clips | 1 | 1.4% |
Questions and answers
How many SBA loans does Coulee Bank make?
SBA approved 3 7(a) loans through Coulee Bank in FY2025, worth $2.3M, and 69 over FY2021 to FY2025. That ranks 415th of 2,184 active 7(a) lenders by number of approvals.
How large are Coulee Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $460K and the average $730K. The program-wide median was $190K.
What is Coulee Bank's charge-off rate?
Of 100 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (4.0%), 69 as paid in full and 27 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Coulee Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (8); lessors of real estate (6); traveler accommodation (5); other fabricated metal product manufacturing (5).
Where does Coulee Bank make SBA loans?
In 3 states and territories. Minnesota 50, Wisconsin 18, Iowa 1. In Minnesota it accounts for 0.6% of all 7(a) approvals.
Is Coulee Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 22, against 57 in the three before: falling (-61%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error