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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.79% | 1.81% | 1.59% | 1.69% | 1.66% | -13 bps | |
| Return on Equity | 20.02% | 20.50% | 18.18% | 19.35% | 19.01% | -101 bps | |
| Net Interest Margin | 4.32% | 4.16% | 4.21% | 3.84% | 4.03% | -28 bps | |
| Efficiency Ratio | 49.49% | 46.19% | 50.61% | 47.56% | 49.45% | -4 bps | |
| Non-Interest Burden | 2.04% | 1.80% | 2.03% | 1.72% | 1.88% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.38% | 1.42% | 1.06% | 5.70% | 5.31% | +493 bps | |
| Loan Growth (YoY) | 1.34% | 2.84% | 2.78% | 7.10% | 6.22% | +489 bps | |
| Deposit Growth (YoY) | 1.04% | 2.56% | 5.13% | 6.18% | 7.02% | +598 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.21% | 0.19% | 0.14% | 0.22% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 0.86% | 0.87% | 0.91% | 0.84% | 0.84% | -2 bps | |
| Allowance Coverage of NPLs | 4.0x | 4.2x | 4.8x | 6.1x | 3.8x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.91% | 8.68% | 8.74% | 8.63% | 8.74% | -16 bps | |
| Total Risk-Based Capital | 13.69% | 13.49% | 13.58% | 13.40% | 13.21% | -47 bps | |
| Equity / Assets | 8.95% | 8.72% | 8.78% | 8.67% | 8.79% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.19% | 94.56% | 96.13% | 94.60% | 95.47% | -72 bps | |
| Liquid Assets / Assets | 22.76% | 24.20% | 23.03% | 25.91% | 23.29% | +54 bps | |
| CRE / Total Capital | n/a | 135.16% | 135.46% | 137.59% | n/a | n/a | |