Chippewa Valley Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 2.8% from Q1 2026 to Q2 2026, ending at $522.8M against $508.7M. It was the largest change among the key lines on this page. Within Wisconsin, Chippewa Valley Bank is 53rd of 85 on CET1 ratio, 12.30% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Chippewa Valley Bank sits 2.78 points lower, at 12.30% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.30% |
| Tier 1 risk-based capital ratio | 12.30% |
| Total risk-based capital ratio | 13.21% |
| Tier 1 leverage ratio | 8.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.3M |
| Tier 1 capital | $64.3M |
| Total risk-based capital | $69.1M |
| Total equity capital | $64.6M |
| Risk-weighted assets | $522.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.79% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.79% |
| Internal capital growth rate | 5.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $12.6M |
| Retained earnings | $51.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.34% | 13.34% | 14.21% | 9.37% | $442.0M |
| Q4 2023 | 12.94% | 12.94% | 13.79% | 8.75% | $456.0M |
| Q1 2024 | 12.32% | 12.32% | 13.22% | 8.64% | $480.2M |
| Q2 2024 | 12.63% | 12.63% | 13.53% | 8.60% | $475.2M |
| Q3 2024 | 12.86% | 12.86% | 13.77% | 8.70% | $474.2M |
| Q4 2024 | 12.77% | 12.77% | 13.66% | 8.89% | $483.7M |
| Q1 2025 | 13.55% | 13.55% | 14.50% | 8.91% | $457.1M |
| Q2 2025 | 12.80% | 12.80% | 13.69% | 8.91% | $485.5M |
| Q3 2025 | 12.60% | 12.60% | 13.49% | 8.68% | $494.9M |
| Q4 2025 | 12.63% | 12.63% | 13.58% | 8.74% | $495.2M |
| Q1 2026 | 12.47% | 12.47% | 13.40% | 8.63% | $508.7M |
| Q2 2026 | 12.30% | 12.30% | 13.21% | 8.74% | $522.8M |
Chippewa Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chippewa Valley Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chippewa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12322) · FFIEC NIC profile (RSSD 779650)