Chippewa Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans to total assets: 0.96 percentage points higher than in Q1 2026, at 72.53%. Chippewa Valley Bank ranks 49th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 95.47% (Q2 2026). Chippewa Valley Bank reported 95.47% on loan-to-deposit ratio for Q2 2026, 14.91 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $533.7M |
| Net loans and leases | $529.2M |
| Loans held for sale | $0 |
| Loans to total assets | 72.53% |
| Loan-to-deposit ratio | 95.47% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.81% |
| Multifamily (5+ residential) | 1.84% |
| Commercial and industrial | 13.75% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.50% |
| Construction concentration (Tier 1 capital + allowance) | 26.42% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.53% |
| Interest income on loans | $8.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $454.5M | $452.6M | 12.72% | 9.30% | 0.40% |
| Q4 2023 | $477.1M | $506.1M | 11.80% | 8.70% | 0.40% |
| Q1 2024 | $495.8M | $520.8M | 11.68% | 10.26% | 0.36% |
| Q2 2024 | $495.8M | $516.9M | 11.72% | 10.58% | 0.38% |
| Q3 2024 | $498.4M | $528.5M | 11.44% | 11.28% | 0.34% |
| Q4 2024 | $504.5M | $513.1M | 10.91% | 12.00% | 0.30% |
| Q1 2025 | $491.5M | $524.1M | 12.14% | 11.84% | 0.35% |
| Q2 2025 | $502.4M | $522.3M | 11.64% | 12.23% | 0.34% |
| Q3 2025 | $512.5M | $542.0M | 11.46% | 11.80% | 0.39% |
| Q4 2025 | $518.5M | $539.4M | 11.19% | 12.17% | 0.40% |
| Q1 2026 | $526.4M | $556.5M | 11.34% | 13.20% | 0.37% |
| Q2 2026 | $533.7M | $559.0M | 11.81% | 13.75% | 0.31% |
Chippewa Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chippewa Valley Bank, freeSource: Call Report Schedule RC-C, 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)