Chippewa Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Chippewa Valley Bank is an FDIC-insured commercial bank headquartered in Hayward, WI, established in 1917 (FDIC certificate 12322), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $735.8M, up 5.3% from Q2 2025, the 44th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12322
- Headquarters
- Hayward, WI
- Established
- 1917
- Total assets, Q2 2026
- $735.8M
- Assets vs Q2 2025
- +5.3%
- CET1 ratio, Q2 2026
- 12.30%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 091509468
- Holding company
- CHIPPEWA VALLEY AGENCY, LTD.
- Asset rank in state
- 44th of 153 in Wisconsin
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%. The figures come from its call report filed with the FFIEC.
Chippewa Valley Bank ranks as the 44th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 1.4% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by loans to nondepository financial institutions, at 48.5% of total loans, followed by 1-4 family residential loans at 19.1%. Its 13 offices in the FDIC Summary of Deposits are in 13 cities in WI; its Bruce office books 29% of its branch deposits. On its Q2 2026 call report, Chippewa Valley Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Chippewa Valley Bank's total assets moved between a low of $650.6M (Q3 2023) and a high of $735.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$735.8M total assets against $698.7M; $671.2M total liabilities against $636.2M.
$529.2M net loans and leases against $498.1M; $559.0M total deposits against $522.3M.
$123.8M securities against $124.0M; $68.9M cash and balances due against $62.6M.
$10.5M total interest income against $10.5M; $3.1M total interest expense against $3.0M.
$7.4M net interest income against $7.5M.
$429K total noninterest income against $365K; $3.9M total noninterest expense against $3.9M.
$75K provision for credit losses against $0.
$3.7M net income against $4.0M.
2.02% return on assets against 2.26%; 4.13% net interest margin against 4.50%.
12.30% CET1 capital ratio against 12.80%; 8.74% tier 1 leverage ratio against 8.91%.
Inside the full Chippewa Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeChippewa Valley Bank rankings
Its closest position to the top of a national ranking is 471 of 3,611, for ROA; its furthest is 1,613 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.92% (Q4 2025) to 2.68% (Q3 2024) and its net interest margin ran from 3.93% (Q1 2026) to 4.67% (Q4 2024).
| 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% | 0.21% | 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
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Chippewa Valley Bank headquartered?
It is headquartered in Hayward, WI, United States.
When was Chippewa Valley Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Chippewa Valley Bank FDIC-insured?
Yes. It 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.
What is Chippewa Valley Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.70% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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