Chippewa Valley Bank
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
$735.8MAssets
$533.7MLoans
$559.0MDeposits
$64.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 94% of banks under $1B in assets in WI (rank 7 of 113).
- Widest gap: equity / assets trails 82% of banks under $1B in assets in WI (rank 93 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 82% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |