BlastPoint's Banking Scorecard

Chippewa Valley Bank

$100M-$1B Specialty: Other WI FDIC cert 12322

Hayward, WI

13 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +7.0% year over year ($559.0M on the books).
Delinquency rate 0.22%.
Return on assets 2.05%.
Efficiency ratio 48.53% vs a 64.48% peer average.
Loan-to-deposit ratio 94.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Chippewa Valley Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.72% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 15.95% below tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.6% in tier
- Credit Risk Growth: Bottom 18.6% in tier
- Liquidity Strain: Bottom 38.1% in tier

Get updates when Chippewa Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$735.8M +5.3% YoY +0.0% QoQ	+$349.2M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 10.9% in tier
Total Loans ?	$529.2M +6.2% YoY +1.4% QoQ	+$270.9M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 9.3% in tier
Total Deposits ?	$559.0M +7.0% YoY +0.5% QoQ	+$232.3M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	2.05% -8.9% YoY -0.9% QoQ	+0.72%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 12.3% in tier
Net Interest Margin ?	4.08% -6.5% YoY +2.0% QoQ	+0.09%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	48.53% +4.0% YoY +2.0% QoQ	-15.95%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 14.0% in tier
Delinquency Rate ?	0.22% +1.4% YoY +60.5% QoQ	-0.70%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	94.67% -0.7% YoY +0.9% QoQ	+16.72%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	16.06% -0.9% YoY +8.3% QoQ	-5.97%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.16% +2.3% YoY +62.7% QoQ	-0.51%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	12.30% -3.9% YoY -1.4% QoQ	-3.61%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.11% +4.8% YoY +109.6% QoQ	-0.45%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	16.1% -0.1pp YoY +1.2pp QoQ	-6.1pp	22.1%	18.9%	22.2%	27%
Brokered Deposits	22.2% -2.6pp YoY -0.1pp QoQ	+14.3pp	7.9%	9.2%	8.5%	93%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	13.9% +1.5pp YoY +0.6pp QoQ	+2.3pp	11.6%	10.5%	12.5%	72%
CRE	17.2% +0.2pp YoY +0.5pp QoQ	-22.3pp	39.5%	46.4%	41.4%	14%
1-4 Family	19.2% -0.3pp YoY -0.5pp QoQ	-13.4pp	32.6%	32.3%	31.3%	28%
Consumer	0.3% 0.0pp YoY -0.1pp QoQ	-3.8pp	4.1%	2.6%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	12.3% -0.5pp YoY -0.2pp QoQ	-6.5pp	18.8%	15.5%	19.7%	20%
Leverage Ratio	8.7% -0.2pp YoY +0.1pp QoQ	-3.4pp	12.2%	12.6%	12.6%	9%
Total Capital Ratio	13.2% -0.5pp YoY -0.2pp QoQ	-6.7pp	19.9%	16.6%	20.8%	18%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	83 0 YoY +1 (+1.2%) QoQ	+24	58	134	482	79%
Assets per Employee ($)	$8.9M +5.3% YoY -1.2% QoQ	+$1.3M	$7.5M	$8.2M	$8.8M	78%
Branch Count	13 0 YoY 0 QoQ	+8	4	9	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.9%	1.0%	31%
Allowance Coverage	3.83x -3.5% YoY -37.5% QoQ	-20.32x	24.15x	56.89x	20.23x	64%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	23.4% -1.9pp YoY -0.3pp QoQ	+11.2pp	12.2%	11.8%	11.6%	94%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	56%
Net Income ($, YTD)	$7.5M -5.3% YoY — QoQ	+$4.9M	$2.6M	$7.9M	$40.4M	96%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#134 of 1256 • Bottom 10.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#175 of 936 • Bottom 18.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#264 of 691 • Bottom 38.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.67%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

246

Total Loans

size

Value: $529.21M

Peer Median: $258.35M

#246 of 2643 Top 9.3% in $100M-$1B

289

Total Assets

size

Value: $735.80M

Peer Median: $386.57M

#289 of 2643 Top 10.9% in $100M-$1B

327

Return on Assets

profitability

Value: 2.05%

Peer Median: 1.32%

#327 of 2643 Top 12.3% in $100M-$1B

371

Efficiency Ratio

profitability

Value: 48.53%

Peer Median: 64.48%

#371 of 2643 Top 14.0% in $100M-$1B

404

Total Deposits

size

Value: $559.01M

Peer Median: $326.73M

#404 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (2 metrics)

2198

Loan-to-Deposit Ratio

liquidity

Value: 94.67%

Peer Median: 77.95%

#2198 of 2643 Bottom 16.9% in $100M-$1B

2052

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2052 of 2643 Bottom 22.4% in $100M-$1B