| Metric | Chippewa Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.9% | +0.4 pts |
| Deposit growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.9 pts |
| ROA | 2.05% | 1.28% | +0.8 pts |
| ROE | 23.4% | 12.4% | +10.9 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $735.8M | $559.0M | $529.2M | $64.6M | $7.5M | 2.05% | 4.08% | 0.16% |
| Q1 2026 | $735.5M | $556.5M | $522.0M | $63.8M | $3.7M | 2.06% | 4.00% | 0.10% |
| Q4 2025 | $716.2M | $539.4M | $513.8M | $62.9M | $15.2M | 2.15% | 4.35% | 0.14% |
| Q3 2025 | $718.9M | $542.0M | $508.1M | $62.7M | $11.8M | 2.23% | 4.35% | 0.15% |
| Q2 2025 | $698.7M | $522.3M | $498.1M | $62.5M | $7.9M | 2.25% | 4.36% | 0.15% |
| Q1 2025 | $695.8M | $524.1M | $487.1M | $62.3M | $3.9M | 2.23% | 4.22% | 0.25% |
| Q4 2024 | $708.7M | $513.1M | $500.2M | $62.2M | $17.9M | 2.55% | 4.72% | 0.23% |
| Q3 2024 | $708.8M | $528.5M | $494.1M | $61.4M | $13.5M | 2.59% | 4.74% | 0.25% |
Loan mix (Q2 2026): real estate $194.3M · commercial $73.4M · consumer $1.7M · securities $123.8M
| Ratio | Chippewa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 23.4% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 61.2% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Chippewa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Chippewa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Chippewa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Chippewa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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