# CHIPPEWA VALLEY BANK
HAYWARD, WI · FDIC certificate 12322 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $735.8M | |
| Deposits | $559.0M | |
| Loans and leases | $533.7M | |
| Total equity | $64.6M | |
| Loans / deposits | 94.67% (p81 of band) | 82.04% |
| Liquid assets / assets | 26.19% (p54 of band) | |
| Uninsured deposits / deposits | 15.43% (p14 of band) | 25.97% |
| Brokered deposits | 16.85% | |
| Wholesale funding | 31.74% (p98 of band) | |
| FHLB advances / assets | 5.64% | |
| Tier 1 leverage | 8.74% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -0.49% (p90 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.05% (p88 of band) | 1.28% |
| Net interest margin | 4.08% (p59 of band) | 3.91% |
| Efficiency ratio | 48.53% (p15 of band) | |
| Noncurrent loans | 0.22% (p34 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 383.20% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 28.11% (p34 of band) | |
| Auto loans | $768,000 (0.14% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $259.0M (401% of equity) (p100 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | reserve under noncurrent, construction >100% equity, loans-to-lenders >50% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | construction >100% equity |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | construction >100% equity |  |
| 2012-09 | 2 |  | construction >100% equity |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 5 | capital falling, assets shrinking |  |
| 2014-03 | 3 | charge-offs p90 | deposits shrinking, capital falling, assets shrinking |
| 2014-06 | 3 | deposits shrinking | charge-offs p90 |
| 2014-09 | 3 | construction >100% equity | deposits shrinking |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 2 |  | reserve under noncurrent, capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | construction >100% equity |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 4 | noncurrent p90 |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2018-12 | 2 | loans exceed deposits |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 2 | loans exceed deposits | reserve under noncurrent |
| 2020-03 | 2 | wholesale funding >15% | loans exceed deposits |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 3 | NIM <2.5% |  |
| 2022-06 | 4 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2022-09 | 2 |  | deposits shrinking, assets shrinking |
| 2022-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 5 | assets shrinking |  |
| 2023-09 | 4 |  | assets shrinking |
| 2023-12 | 4 | brokered >10% | deposits shrinking |
| 2024-03 | 5 | capital falling |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | uninsured deposits leaving, capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-06-18 [Chippewa Valley Bank celebrates three years in the community - apg-wi.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOTEx3NVdvczBoMVhZNjVvVElaTUJIdDlEaElmMUZ1MFhBY195aG9jTWdsSjBydU12eEg1TGVQdkNZZFJLZW51VmVjcjJwdkNHUzcwZFhHdzA2TGdEVGhad0pkd3V4bUV2d2s5d3lfc2RQdnNBUFpDUmJ3Tk1fVVNLRWZaMEJGZkd2OWdqQ3dBOW9XQ3dEVUQ0OEJrbThtX1Jmb3lnZDZUS0pSRlVXNlh3NEtHV3BCbXhQY204N3BfS0xsQ0ZCUDc3eVFocmRBOE5XWkM3eVh0bWJUbG5UYXZQZ2hmemFCemRzeUxPTG5TU0dEM0tnVE16M0NsbGxYZFFy?oc=5) · apg-wi.com
- 2024-02-28 [Guryne Wedan hired as a Vice-President in Charge of Commercial and Consumer Lending at Chippewa Valley Bank in Superior - Superior Telegram](https://news.google.com/rss/articles/CBMiyAJBVV95cUxNbXlYQVZNSjBVS3FLSmJSQk00U1lURFl2M0ozb0swZTN6eHRsVTlfWDk2cEtCTmVyeFhNV0RZQS1pdlNuTnh0SkRiemJsWGpHaHBlcU93UjZjRnlrVFhnWC1IaVBsN2s1V1FBa0NJa2VmVzMxbF9BekZmZFdGcHAwbEp5VHZiVE91V3NCRjI5Y1ZvcndQRmlqSGtVYmFiczNVZThnMU9ZZ0Y1dEZhSDlfWWw2ejJoV2xpUjljcnMtM2tMdFVNTVZkd0Ntb3FYRWJqZHRHckVBeGdtMjNZQmdyTFRldHRTWk9YaUhEVHdyUzBBVnFhQkxjb19tSHpsZUx4eGY1TGdrdWNHRy0xZldRUmlTaVNKc3o1RnU4WFZLQzB6WTl4bWxwQ3YzRGs1R2R2LV9PWkZETzJLLU83QVBNODZYeS1OVWRo?oc=5) · Superior Telegram
- 2021-02-22 [Chippewa Valley Bank (WI) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNTWljWUtuX1RLbHM4UnVWWTlzQkVETWIzT1pLS2dGR2J1bDFMMlY3OW1JZ2FNbmFPZTNqbUd2NkZlajBUS2FPOGQ1X0kzSEJ4djdDZm9hVlNPVXVMS1Bud0VtYU5TVDdoZ21EcDZHNFRQTXlybDJBVzdjUDU5TTJHU0NPMERBelRv?oc=5) · SmartAsset
- 2014-04-09 [Chippewa Valley Bank has new office in Hurley - The Globe Homepage](https://news.google.com/rss/articles/CBMirAFBVV95cUxNX3BOUTA0XzNVbkNoSDM0N2dIYWxpUzI1b21KTmRLMnFPd181ZWRsZ2xDUy1CdHc2NW8zLTdzTFNONnlZdzQ4SzdMVHBBc3JUSDUyUzNUM0hhMG9uUmdyOGVrTlVUSzdnbGMxd1VOSk9HWWhLbEdTSFBhVkxGX2p3Yk9LWTM1bTJzdE9tMjBIMEs4OXBqUHp1dGZIOC1CamxmdEVWcGJ3amFXVXp5?oc=5) · The Globe Homepage
- 2023-03-22 [Native American Church Chapter Sues Bank for Racial and Religious Discrimination - Native News Online](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPTWtnTVVMdWwzVzZORkNmRmdqN1lRVnpiZWNJMG5PaUFrNFZaclMzUVlUX0pVd1Q3RXFGbHpSanM2b1NZaURWWV9GeklybjlDU2YyZE40eHRVZzJlbE44NkZTS0oyNWRSVXJhM2VYUVpONW9aa3JCVXdrMThMNTBubE02VzRyT3JEZ0VFZEZaWVh0MGE0TTZlbzlzOGE0UWdLejNBdzhEcGhhY0V6STNoRTVnTVBpU0pYS0VF?oc=5) · Native News Online
- 2012-06-19 [Chippewa Valley finds opportunity in Superior - Superior Telegram](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRVFKZnZpNURTek9UR3RpQl8ySFgzbUF1YWVfbVNHMjlzX05QS2tIcXhDb05tUXluNndFM212T3VENzFMc25QSm9KMjNLYkltRDRyNTZwOFRRTlNIemVOWlR6WU54MzZoNHNfU1VDVnRpM2hhemlqMWttTWZOcEFoTnJDbzlhV09neFlz?oc=5) · Superior Telegram
- 2009-10-08 [Reputed Capone hideout sold to Wisconsin bank - CNN](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMXpuZTJhSzBvWkQ1ZGxPT2lvdWlSMjZuN2l3d1Buc21Yak1wRFh6aVVQQjlfa1E4eE9kbFlkM0xBeFR6REdQZE9aZENyTW1oc01CeFpnWnhmTFhhbi1wNGdJLWhLTk1lWktYRlU4d1ppS2wwRjJ1bU5LaGM4QVlHdjFaODhXVnpX?oc=5) · CNN
- 2009-10-07 [Economic crisis hits property that may have sheltered Capone - CNN](https://news.google.com/rss/articles/CBMihwFBVV95cUxOTVpGNFd6dF92c3JjZHhfN1NjWGdJQjFEN2dBQ0JoaGZZZzRnS3Z5VjhxY2E1TjVTWkJWR0wtOS1ER21fNUpQOEpSQ2NVNzUzQ0pzanBSRFJWVEJOcTFocEYzSzdkSmcyNTdFakJjX0NPc3lHelFmWF8wdDNOaWNWWGxJVmtNNzA?oc=5) · CNN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12322 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "12322", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide