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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hayward, WI · FDIC certificate #12322
CHIPPEWA VALLEY BANK is an FDIC-insured institution based in Hayward, WI (FDIC certificate #12322). In its Q3 2026 Call Report it reported total assets of $747M, total deposits of $578M and net loans of $506M. Its primary federal regulator is FDIC.
Plain-language readout
CHIPPEWA VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $747M in Q3 2026 and were lowest at $735M in Q1 2026.
Total deposits were highest at $578M in Q3 2026 and lowest at $556M in Q1 2026.
Over the whole period total assets rose 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $747M | $578M | $506M | 1.97% | 22.58% | 4.08% |
| Q2 2026 | $736M | $559M | $529M | 2.05% | 23.38% | 4.08% |
| Q1 2026 | $735M | $556M | $522M | 2.06% | 23.66% | 4.00% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $52.1M | $68.9M | -$16.8M | -24.4% |
| Federal funds sold | $16.8M | $5.6M | +$11.2M | +197.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $123.8M | $123.9M | -$45K | -0.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $529.2M | $522.0M | +$7.2M | +1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.5M | $6.5M | -$30K | -0.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $337K | $343K | -$6K | -1.7% |
| All other assets | $7.1M | $8.2M | -$1.1M | -13.8% |
| Total assets | $735.8M | $735.5M | +$307K | +0.0% |
| Liabilities | ||||
| Total deposits | $559.0M | $556.5M | +$2.6M | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $68.0M | $68.0M | $0K | 0.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $41.5M | $44.1M | -$2.5M | -5.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $3.2M | -$579K | -18.1% |
| Total liabilities | $671.2M | $671.7M | -$552K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $120K | $120K | $0K | 0.0% |
| Surplus | $12.6M | $12.6M | $0K | 0.0% |
| Retained earnings | $51.9M | $51.0M | +$859K | +1.7% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $64.6M | $63.8M | +$859K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $717K | +$450K | +62.8% |
| Adjusted nonperforming assets | $1.2M | $717K | +$450K | +62.8% |
| Tangible equity plus allowance | $68.8M | $67.8M | +$938K | +1.4% |
| Texas ratio (gross) | 1.70% | 1.06% | +0.64 pts | See points |
| Texas ratio (adjusted) | 1.70% | 1.06% | +0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 12.30% | 12.47% | -0.17 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.30% | 12.47% | -0.17 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.91% | 0.92% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.21% | 13.40% | -0.18 pts | See points |
| Tier 1 leverage (approximate) | 8.74% | 8.63% | +0.11 pts | See points |
| Construction and land loans to total capital | 26.30% | 26.32% | -0.01 pts | See points |
| Commercial real estate to total capital | 71.18% | 71.77% | -0.59 pts | See points |
| Dividend payout, year to date | 76.45% | 76.08% | +0.37 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.50% | -0.12% | -0.38 pts | See points |
| Liquidity | ||||
| Core deposits | $421.9M | $415.8M | +$6.1M | +1.5% |
| Non-core funding | $246.6M | $252.7M | -$6.1M | -2.4% |
| Loans to core deposits | 126.49% | 126.60% | -0.11 pts | See points |
| Loans to deposits | 95.47% | 94.60% | +0.87 pts | See points |
| Brokered deposits share of deposits | 22.18% | 22.32% | -0.14 pts | See points |
| Pledged securities share of securities | 95.88% | 94.21% | +1.66 pts | See points |
| Loans pledged, share of loans | 23.50% | 23.82% | -0.32 pts | See points |
| Volatile liabilities | $248.0M | $254.1M | -$6.1M | -2.4% |
| Earnings | ||||
| Earnings before provision, year to date | $7.9M | $3.9M | +$4.0M | +101.6% |
| Earnings before provision, single quarter | $4.0M | $3.9M | +$63K | +1.6% |
| Provision for credit losses, year to date | $75K | $0K | +$75K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.51% | 6.41% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.14% | 3.26% | +0.88 pts | See points |
| Total interest income to average assets | 5.73% | 5.56% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.70% | 0.69% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.99% | 1.94% | +0.05 pts | See points |
| Cost of time deposits | 3.76% | 3.74% | +0.02 pts | See points |
| Total interest expense to average assets | 1.70% | 1.72% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $747M | $578M | $506M | 1.97% | 22.58% | 4.08% |
| 2026-06-30 | $736M | $559M | $529M | 2.05% | 23.38% | 4.08% |
| 2026-03-31 | $735M | $556M | $522M | 2.06% | 23.66% | 4.00% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WI | $522.3M | 0.26% | 62 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.