🏦Bank Scorer

CHIPPEWA VALLEY BANK

HAYWARD, WI · Supervised by FDIC

Est. 1917FDIC #12,322RSSD: FDIC-12322
Part ofCHIPPEWA VALLEY AGENCY LTD→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.06%

Institution Profile

FDIC BankFind

Address

15755 W County Road B, HAYWARD, WI

County

Sawyer County

Established

January 1, 1917

Total Assets

$735M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$735M

Total Deposits

$556M

Net Loans

$522M

Net Income

$4M

ROA

2.06%

ROE

23.66%

Risk-Based Capital

13.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.88%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$522M

1-Year Change

-1

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411974.79%5.88%
202312978.29%6.20%
202215779.62%5.73%
202116475.61%11.59%
202016680.72%8.43%
201916975.74%11.83%
201821284.43%5.66%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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