Hayward, WI · Cert 12322 · Chippewa Valley Agency Ltd.
State charter, non-member · FDIC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
46
Profitability
84
Liquidity
56
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hayward, WI · Cert 12322 · Chippewa Valley Agency Ltd.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 0.7% share · #18 of 26 inst. · $0.0B of $6.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.11% | 2.10% | 1.86% | 1.82% | 1.81% | 1.76% | 1.69% | 1.68% | -14 bps | |
| Return on Equity | 24.49% | 24.21% | 20.97% | 20.48% | 20.48% | 19.96% | 19.35% | 19.17% | -131 bps | |
| Net Interest Margin | 4.50% | 4.54% | 4.11% | 4.21% | 4.11% | 4.15% | 3.84% | 3.94% | -27 bps | |
| Efficiency Ratio | 42.00% | 42.49% | 43.69% | 46.66% | 46.50% | 47.54% | 47.56% | 48.53% | +187 bps | |
| Non-Interest Burden | 1.74% | 1.80% | 1.68% | 1.86% | 1.80% | 1.87% | 1.72% | 1.80% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.95% | 3.06% | -0.68% | 0.38% | 1.42% | 1.06% | 5.70% | 5.31% | +493 bps | |
| Loan Growth (YoY) | 9.66% | 5.74% | -0.86% | 1.34% | 2.84% | 2.78% | 7.10% | 6.22% | +489 bps | |
| Deposit Growth (YoY) | 16.77% | 1.38% | 0.63% | 1.04% | 2.56% | 5.13% | 6.18% | 7.02% | +598 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.32% | 0.35% | 0.22% | 0.21% | 0.19% | 0.14% | 0.22% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.03% | 0.02% | 0.02% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.89% | 0.86% | 0.87% | 0.91% | 0.84% | 0.84% | -2 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.6x | 2.6x | 4.0x | 4.2x | 4.8x | 6.1x | 3.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.70% | 8.89% | 8.91% | 8.91% | 8.68% | 8.74% | 8.63% | 8.74% | -16 bps | |
| Total Risk-Based Capital | 13.77% | 13.66% | 14.50% | 13.69% | 13.49% | 13.58% | 13.40% | 13.21% | -47 bps | |
| Equity / Assets | 8.66% | 8.77% | 8.96% | 8.95% | 8.72% | 8.78% | 8.67% | 8.79% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.30% | 98.32% | 93.79% | 96.19% | 94.56% | 96.13% | 94.60% | 95.47% | -72 bps | |
| Liquid Assets / Assets | 24.64% | 18.82% | 24.60% | 22.76% | 24.20% | 23.03% | 25.91% | 23.29% | +54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 135.16% | 135.46% | 137.59% | n/a | n/a | |
Hayward, WI · Cert 12322 · Peer group: banks under $1B in assets in WI (n=110-113) · Chippewa Valley Agency Ltd.
State charter, non-member · FDIC · 13 branches
Q2 2026
Return on Assets
1.66%
Rank 20 of 113
Net Interest Margin
3.94%
Rank 27 of 113
Efficiency Ratio
48.60%
Rank 21 of 113
Equity / Assets
8.79%
Rank 93 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.85% | 1.17% | 1.51% | Beats 82% | 20 / 113 | ||
| Return on Equity | 18.91% | 7.70% | 10.77% | 13.67% | Beats 94% | 7 / 113 | ||
| Net Interest Margin | 3.94% | 3.19% | 3.59% | 3.89% | Beats 76% | 27 / 113 | ||
| Efficiency Ratio | 48.60% | 54.61% | 62.43% | 71.88% | Beats 82% | 21 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.03% | 0.24% | 0.91% | Beats 52% | 54 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 39% | 68 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.30% | 11.22% | 12.95% | 15.76% | Beats 39% | 69 / 113 | ||
| Total Risk-Based Capital Ratio | 13.21% | 11.57% | 13.59% | 16.73% | Beats 43% | 64 / 113 | ||
| Equity / Assets | 8.79% | 9.17% | 10.74% | 13.13% | Beats 18% | 93 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.47% | 76.54% | 86.37% | 98.93% | 70th pctl | 34 / 112 | ||
| Loans / Assets | 72.53% | 63.07% | 71.33% | 78.84% | 52nd pctl | 54 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||