BlastPoint's Banking Scorecard
Chippewa Valley Bank
Community
Specialty: Other
WI
FDIC cert 12322
Hayward, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Chippewa Valley Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.99% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 12% in Community
- - Cost Spiral: Bottom 21% in Community
- - Liquidity Strain: Bottom 21% in Community
- - Margin Compression: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$716.2M
+1.1% YoY
-0.4% QoQ
|
-$675.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$513.8M
+2.7% YoY
+1.1% QoQ
|
-$461.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$539.4M
+5.1% YoY
-0.5% QoQ
|
-$625.2M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
2.15%
-15.6% YoY
-3.4% QoQ
|
+0.99% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.35%
-7.7% YoY
+0.0% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
47.54%
+11.9% YoY
+2.2% QoQ
|
-15.09% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.19%
-41.3% YoY
-9.0% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
95.25%
-2.3% YoY
+1.6% QoQ
|
+12.19% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
16.99%
-26.9% YoY
+1.5% QoQ
|
-4.05% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.14%
-40.4% YoY
-7.6% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.63%
-1.1% YoY
+0.3% QoQ
|
+2.39% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.22%
-8.8% YoY
+33.6% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.15%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (4)
NIB Deposit Bleed
decline
#12 of 89 · Bottom 12% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.99%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Cost Spiral
risk
#9 of 40 · Bottom 21% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
47.54%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Liquidity Strain
risk
#107 of 513 · Bottom 21% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#58 of 120 · Bottom 48% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.15%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.54% · Tier avg: 62.63%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.63% · Tier avg: 10.24%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 16.99% · Tier avg: 21.05%
33
33th pctile
Total Loans
Current: $513.8M · Tier avg: $975.5M
29
29th pctile
Total Assets
Current: $716.2M · Tier avg: $1.4B
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.25% · Tier avg: 83.06%
19
19th pctile
Total Deposits
Current: $539.4M · Tier avg: $1.2B
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
19
19th pctile
Total Deposits
Current: $539.4M · Tier avg: $1.2B
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.25% · Tier avg: 83.06%
29
29th pctile
Total Assets
Current: $716.2M · Tier avg: $1.4B
33
33th pctile
Total Loans
Current: $513.8M · Tier avg: $975.5M
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 16.99% · Tier avg: 21.05%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.63% · Tier avg: 10.24%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
88
88th pctile
Efficiency Ratio
Current: 47.54% · Tier avg: 62.63%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.16%