TellerScore

Chippewa Valley Bank is a state-chartered bank headquartered in Hayward, Wisconsin, in business for about 109 years. At the end of Q2 2026 it reported $735.8M in total assets and $559.0M in deposits, with 13 offices.

Based on its Q2 2026 filing, Chippewa Valley Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 71st. Its strongest component is earnings (100/100; 2.05%), and its lowest is capital cushion (37/100; 8.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.74%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings100/100
Return on assets (annualized): 2.05%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 94.7% · 15.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).

TellerScore
727374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202472
Q1 202573
Q2 202574
Q3 202574
Q4 202574
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%6.96%8.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.60%
Q3 20248.70%
Q4 20248.89%
Q1 20258.91%
Q2 20258.91%
Q3 20258.68%
Q4 20258.74%
Q1 20268.63%
Q2 20268.74%
Noncurrent loans
0.14%0.25%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.36%
Q4 20240.32%
Q1 20250.35%
Q2 20250.22%
Q3 20250.21%
Q4 20250.19%
Q1 20260.14%
Q2 20260.22%
Return on assets
2.05%2.32%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.55%
Q3 20242.59%
Q4 20242.55%
Q1 20252.23%
Q2 20252.25%
Q3 20252.23%
Q4 20252.15%
Q1 20262.06%
Q2 20262.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$735.8M8.74%0.22%2.05%94.7%
Q1 202674$735.5M8.63%0.14%2.06%93.8%
Q4 202574$716.2M8.74%0.19%2.15%95.3%
Q3 202574$718.9M8.68%0.21%2.23%93.7%
Q2 202574$698.7M8.91%0.22%2.25%95.4%
Q1 202573$695.8M8.91%0.35%2.23%93.0%
Q4 202472$708.7M8.89%0.32%2.55%97.5%
Q3 202472$708.8M8.70%0.36%2.59%93.5%
Q2 202472$696.1M8.60%0.29%2.55%95.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.74%
9th
Total risk-based capital13.21%
58th
Problem loans0.22%
64th
Net charge-offs0.00%
52nd
Return on assets2.05%
88th
Net interest margin4.08%
58th
Efficiency ratio48.5%
86th
Loans to deposits94.7%
17th
Uninsured deposits15.4%
80th
Loan-loss reserves0.84%
13th
Texas ratio1.7%
61st

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Woodtrust BankBank Wisconsin Rapids, WI68 out of 100, Moderate$734.8M10.9%1.33%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Bank of LuxemburgBank Luxemburg, WI68 out of 100, Moderate$723.4M9.6%0.18%vs
Fortifi BankBank Berlin, WI58 out of 100, Moderate$750.4M12.6%2.40%vs

Deposit insurance

Is my money safe at Chippewa Valley Bank?

Yes. Chippewa Valley Bank is an FDIC-insured institution (FDIC certificate #12322). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.4% of deposits ($86.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.21% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Chippewa Valley Bank lists 13 offices in 13 cities. Most locations:

  • Ashland, WI (1)
  • Bayfield, WI (1)
  • Bruce, WI (1)
  • Cable, WI (1)
  • Hayward, WI (1)
  • Hurley, WI (1)
  • Iron River, WI (1)
  • Lac Du Flambeau, WI (1)
  • Lake Nebagamon, WI (1)
  • Radisson, WI (1)
  • Superior, WI (1)
  • Washburn, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chippewa Valley Bank reported 113 home-loan applications under HMDA (LEI 549300MPDN3KQZW68M43): 91 originated ($17,575,000 total), 7 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chippewa Valley Bank
Type
State-chartered bank
FDIC certificate #
12322
RSSD ID
779650
Primary regulator
FDIC
Holding company
Chippewa Valley Agency Ltd
Established
January 1, 1917
Headquarters
15755 W County Road B, Hayward, WI 54843
Employees
83

Quick answers

Chippewa Valley Bank: common questions

Is Chippewa Valley Bank FDIC insured?

Yes. Chippewa Valley Bank is an FDIC-insured institution (FDIC certificate #12322). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Chippewa Valley Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Chippewa Valley Bank ever failed?

There is no failure record for FDIC certificate #12322 in the FDIC failed bank list.

How many branches does Chippewa Valley Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hayward

InstitutionScoreAssetsCapitalProblem loansCompare
Shell Lake State BankBank Shell Lake, WI85 out of 100, Very strong$361.8M12.3%0.03%vs
Lco Federal Credit UnionCredit union Hayward, WI85 out of 100, Very strong$2.9M13.7%0.32%vs
Johnson BankBank Racine, WI73 out of 100, Strong$7.1B12.3%0.23%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
Associated Bank, National AssociationBank Green Bay, WI58 out of 100, Moderate$51.8B8.4%0.42%vs