2.06%
−7.6%y/y
Peer standing89th percentile
FDIC
NETINC + ROACV
Chippewa Valley Bank
Hayward, WisconsinFDIC Cert #12322
STATEEstablished 191713 branches
Holding company: CHIPPEWA VALLEY AGENCY LTDRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
23.66%
−6.1%y/y
Peer standing94th percentile
FDIC
NETINC + ROE2.15%
−9.0%y/y
Peer standing84th percentile
FDIC
PTAXNETINC + ASSET4.00%
−5.3%y/y
Peer standing58th percentile
FDIC
NIM + NIMY5.79%
−5.7%y/y
Peer standing60th percentile
FDIC
INTINCY2.67%
−9.0%y/y
Peer standing37th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
47.56%
+8.9%y/y
Peer standing87th percentile
FDIC
NONIX + NIM + NONII + EEFFR1.95%
+3.8%y/y
Peer standing84th percentile
FDIC
NONIX + ASSET5.25%
+4.6%y/y
Percentile by value14th percentileby value
FDIC
NONII + NIM+5.70%
+944.5%y/y
Percentile by value58th percentileby value
FDIC
ASSET+6.18%
+884.8%y/y
Percentile by value64th percentileby value
FDIC
DEP+7.16%
+914.8%y/y
Percentile by value58th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.06%89th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE23.66%94th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.00%58th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.56%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+6.18%64th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+7.16%58th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.14%72nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ8.63%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.67%37th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC72%18th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.06%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.52%Median 1.20%90th 2.06%Observations 156
ROE
FDIC
NETINC + ROE23.66%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.71%Median 11.08%90th 18.36%Observations 156
NIM
FDIC
NIM + NIMY4.00%68th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.73%90th 4.34%Observations 156
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.56%86th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.85%Median 63.27%90th 85.74%Observations 156
Deposits YoY
FDIC
DEP+6.18%66th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.83%Median +4.50%90th +10.92%Observations 155
Loans YoY
FDIC
LNLSNET+7.16%55th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.82%Median +6.61%90th +14.77%Observations 153
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.14%66th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.34%90th 2.05%Observations 153
Leverage
FDIC
RBC1AAJ8.63%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.76%Median 10.76%90th 15.73%Observations 156
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.67%38th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.48%90th 3.52%Observations 155
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC72%13th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 59%Median 183%90th 345%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.06%86th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.53%Median 1.30%90th 2.64%Observations 67
ROE
FDIC
NETINC + ROE23.66%94th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.02%Median 12.50%90th 21.06%Observations 67
NIM
FDIC
NIM + NIMY4.00%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.72%90th 4.29%Observations 67
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.56%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.52%Median 60.24%90th 83.38%Observations 67
Deposits YoY
FDIC
DEP+6.18%65th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.05%Median +4.74%90th +10.45%Observations 67
Loans YoY
FDIC
LNLSNET+7.16%57th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.65%Median +6.65%90th +15.10%Observations 66
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.14%52nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.19%90th 2.09%Observations 66
Leverage
FDIC
RBC1AAJ8.63%6th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 10.59%90th 14.73%Observations 67
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.67%36th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.50%90th 3.58%Observations 67
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC72%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 85%Median 199%90th 360%Observations 41
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.