Chippewa Valley Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Chippewa Valley Bank is one of the more profitable banks of its size. It reported $736 million in assets at June 30, 2026, up 5.3% from a year earlier. It returns 23.1% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.74% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Delinquency has appeared in its $73 million commercial and industrial book: 2.30% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Chippewa Valley Bank reported a CET1 capital ratio of 12.30%, a return on assets of 2.02%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.70%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 15755 W County Road B, Hayward, WI 54843
- County
- Sawyer
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Offices
- 13 domestic
- Employees (FTE)
- 83
- Domestic deposits
- $559.0M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $735.9M
- Average total loans
- $529.5M
- Average interest-bearing deposits
- $462.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12322
- Fed RSSD
- 779650
- Website
- www.chippewavalleybank.com →
- Parent Holding Company
- CHIPPEWA VALLEY AGENCY, LTD. (RSSD 1122963)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Chippewa Valley Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Chippewa Valley Bank, freeChippewa Valley Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.30% | 2.02% | 0.22% | 1.70% | 4.13% |
| Q1 2026 | 12.47% | 2.04% | 0.14% | 1.06% | 3.93% |
| Q4 2025 | 12.63% | 1.92% | 0.19% | 1.47% | 4.27% |
| Q3 2025 | 12.60% | 2.18% | 0.25% | 1.60% | 4.25% |
| Q2 2025 | 12.80% | 2.26% | 0.22% | 1.63% | 4.50% |
| Q1 2025 | 13.55% | 2.26% | 0.35% | 2.58% | 4.15% |
| Q4 2024 | 12.77% | 2.48% | 0.32% | 2.48% | 4.67% |
| Q3 2024 | 12.86% | 2.68% | 0.36% | 2.73% | 4.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bruce Branch | Bruce , WI | 54819 | $163.5M |
| Chippewa Valley Bank (main office) | Hayward , WI | 54843 | $82.2M |
| Lac Du Flambeau Branch | Lac Du Flambeau , WI | 54538 | $80.3M |
| Superior Branch | Superior , WI | 54880 | $38.8M |
| Ashland Wi Branch | Ashland , WI | 54806 | $36.7M |
| Cable Branch | Cable , WI | 54821 | $31.7M |
| Winter Branch | Winter , WI | 54896 | $26.6M |
| Hurley Office | Hurley , WI | 54534 | $24.4M |
| Bayfield Branch | Bayfield , WI | 54814 | $24.4M |
| Iron River Branch | Iron River , WI | 54847 | $21.2M |
| Radisson Branch | Radisson , WI | 54867 | $12.5M |
| Lake Nebagamon | Lake Nebagamon , WI | 54849 | $9.6M |
| Washburn Office | Washburn , WI | 54891 | $7.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 7, 2016 | Structure Change | Acquired State Bank of Drummond Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2012 | Structure Change | Acquired Superior Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Chippewa Valley Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 58 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 116 applications, 91 loans originated, $17.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $446K approved, $446K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Chippewa Valley Bank
What are Chippewa Valley Bank's total assets?
As of the Q2 2026 filing, Chippewa Valley Bank reported total assets of $735.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Chippewa Valley Bank headquartered?
Chippewa Valley Bank is headquartered in Hayward, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Chippewa Valley Bank founded?
Chippewa Valley Bank was established in 1917, per the FDIC institution directory.
Is Chippewa Valley Bank FDIC-insured?
Yes. Chippewa Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #12322). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chippewa Valley Bank?
Chippewa Valley Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Chippewa Valley Bank's CET1 capital ratio?
Chippewa Valley Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does Chippewa Valley Bank operate?
Chippewa Valley Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chippewa Valley Bank's Texas Ratio?
Chippewa Valley Bank's Texas Ratio is 1.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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