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Overview / Commentary
1010 West Clairemont Avenue
Eau Claire, WI 54701

Charter Bank Eau Claire is headquartered in Eau Claire and is the 33rd largest bank in the state of Wisconsin. It is also the 1,153rd largest bank in the nation. It was established in 1980 and as of June of 2014, it had grown to 58 employees at 1 location. Charter Bank Eau Claire's savings rates are 20X the national average, and it has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Charter Bank Eau Claire had $5.59 million in non-current loans and owned real-estate with $90.99 million in equity and loan loss allowances on hand to cover it. This gives Charter Bank Eau Claire a Texas Ratio of 6.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Charter Bank Eau Claire experienced no significant changes from 5.74% as of June 30, 2013 to 6.15% as of June 30, 2014, resulting in a negative change of 7.09%. This indicates that the balance sheet and financial strength for Charter Bank Eau Claire has had no significant changes in recent periods.

Deposit Growth


In the past year, Charter Bank Eau Claire has increased its total deposits by $10.58 million, resulting in 2.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Charter Bank Eau Claire has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Charter Bank Eau Claire has $579.9 million in assets with $90.99 million in equity, resulting in a capitalization level of 15.69%, which is excellent.

Institution Statistics

FDIC Certificate #23137
Year Established1980
Primary RegulatorFDIC
Assets and Liabilities
Assets$579.90 million
Loans$374.96 million
Deposits$474.55 million
Equity Capital$80.52 million
Loan Loss Allowance$10.47 million
Unbacked Noncurrent Loans$3.56 million
Real Estate Owned$2.04 million
Historic Data - June 2013
Assets$559.39 million
Equity Capital$73.65 million
Loan Loss Allowance$11.41 million
Unbacked Noncurrent Loans$3.56 million
Real Estate Owned$769,000
Profit Margin - Quarterly
Return on Assets2.86%
Return on Equity21.47%
Interest Income$12.93 million

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Charter Bank Eau Claire Savings Account Rates

10.38%-$250College Fund
0.50%$200-Business Statement Savings
0.50%$200-Statement Savings
0.50%$25-Youth Savings

Charter Bank Eau Claire Money Market Rates

0.55%$10k-Money Market
0.55%$10k-Business Money Market

Charter Bank Eau Claire Checking Account Rates

0.25%$10k-Premium Gold Checking
0.10%--Gold Checking

Charter Bank Eau Claire CD Rates

1.10%$1k-Business 3 Year CD
1.10%$1k-3 Year CD
0.80%$1k-Business 2 Year CD
0.80%$1k-2 Year CD
0.70%$1k-Business 18 Month CD
0.70%$1k-18 Month CD
0.65%$1k-Business 6 Month CD
0.65%$1k-Business 1 Year CD
0.65%$1k-6 Month CD
0.65%$1k-1 Year CD

Charter Bank Eau Claire IRA Rates

1.00%$100-2 1/2 Year IRA
0.65%$100-1 Year IRA
0.65%$100-18 Month IRA
0.65%$100-18 Month Variable IRA

Charter Bank Eau Claire Locations
Charter Bank Eau Claire1010 West Clairemont AvenueEau Claire, WI 54701