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Chippewa Valley Bank

IDRSSD: 779650
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #779650 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -14
58
Sub-score

Liquidity is deteriorating: brokered 21.4%, loans/deposits 97.5%, cash 3.8% of assets.

Cash / Assets
3.78%
Loans / Deposits
97.48%
Brokered %
21.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.01%
No watch items at this period.

Capitalization

StrongQoQ 0
82
Sub-score

Capital position is strong: Tier 1 RBC 12.77%, CET1 12.77%, leverage 8.89%.

Tier 1 RBC
12.77%
CET1
12.77%
Leverage
8.89%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 2.5%, NCO YTD 0.01%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.01%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
78
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 263.6%, true coverage 263.6%.

ALLL / Loans
0.85%
Coverage
263.6%
True Loss Coverage
263.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:26:25 UTC