PackageTrendsPeer
Letter portraitLegal landscape

Cashmere Valley Bank

Cashmere, WA · Cert 1265

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cashmere Valley Bank

Cashmere, WA · Cert 1265

State charter, non-member · FDIC · 12 branches

Q2 2026

$2.3BAssets
$1.0BLoans
$2.0BDeposits
$256.6MEquity
Loan mix
61%RE $534.1M15%C&I $136.6M24%Consumer $211.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.5B21%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.33%Q2 ’244.41%Q2 ’254.33%Q2 ’26+3%-2%

Non-interest income vs. expense

2.34%Q2 ’242.41%Q2 ’252.44%Q2 ’26+2%+6%

Market Position · Wenatchee-East Wenatchee, WA · 2026 SOD (annual) · 44.9% share · #1 of 11 inst. · $1.6B of $3.5B

48.7% Chelan
28.6% Kittitas
33.9% Douglas
1.8% Yakima

Executive Summary

  • Earnings: ROA of 1.10%, down 24 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.35% of loans (-8 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 12.50%, down 77 bps from a year ago.
  • Funding: loans stand at 52.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.97%-7 bps YoY

Efficiency Ratio (YTD, annualized)

60.49%+242 bps YoY

Tier 1 Leverage Ratio

12.50%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.36%1.33%1.01%1.10%-24 bps
Return on Equity12.02%12.04%11.67%8.76%9.67%-235 bps
Net Interest Margin3.04%2.99%2.99%2.93%2.97%-7 bps
Efficiency Ratio58.06%57.20%56.95%61.93%60.49%+242 bps
Non-Interest Burden1.33%1.28%1.28%1.44%1.42%+9 bps
Growth
Asset Growth (YoY)6.73%7.02%7.15%8.41%5.72%-101 bps
Loan Growth (YoY)-4.32%-3.35%-0.97%0.50%6.29%+1,062 bps
Deposit Growth (YoY)3.76%3.96%3.42%6.21%6.72%+296 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.51%0.47%0.43%0.35%-8 bps
Net Charge-Offs / Loans0.32%0.36%0.46%0.53%0.38%+6 bps
Allowance / Loans1.24%1.26%1.20%1.17%1.12%-12 bps
Allowance Coverage of NPLs2.9x2.5x2.5x2.7x3.2x+0.3x
Capital
Tier 1 Leverage Ratio13.26%12.99%13.17%12.63%12.50%-77 bps
Total Risk-Based Capital13.26%12.99%13.17%12.63%12.50%-77 bps
Equity / Assets11.34%11.56%11.93%11.21%11.08%-26 bps
Liquidity & Funding
Loans / Deposits52.86%50.84%50.14%50.03%52.65%-21 bps
Liquid Assets / Assets13.64%16.12%14.95%15.49%13.82%+18 bps
CRE / Total Capitaln/a136.45%134.38%140.83%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cashmere Valley Bank

Cashmere, WA · Cert 1265 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State charter, non-member · FDIC · 12 branches

Q2 2026

$2.3BAssets
$1.0BLoans
$2.0BDeposits
$256.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 93 of 258).
  • Widest gap: net charge-offs / loans trails 91% of banks $1B-$10B in assets operating in a single state (rank 235 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.09%

Rank 158 of 258

Net Interest Margin

2.97%

Rank 212 of 258

Efficiency Ratio

61.39%

Rank 140 of 257

Equity / Assets

11.08%

Rank 93 of 258

Non-interest income vs. expense

$23.7M$56.7MINCOMEEXPENSE
Unfavorable gap of $33.1M · efficiency ratio beats 46% of banks $1B-$10B in assets operating in a single state
Bank 61.39%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.93%1.23%1.54%Beats 39%158 / 258
Return on Equity9.87%9.26%11.84%14.74%Beats 31%177 / 258
Net Interest Margin2.97%3.16%3.49%3.88%Beats 18%212 / 258
Efficiency Ratio61.39%51.71%60.30%69.65%Beats 46%140 / 257
Asset Quality
Nonperforming Loans / Loans0.35%0.19%0.46%0.90%Beats 60%105 / 258
Net Charge-Offs / Loans0.22%0.01%0.02%0.07%Beats 9%235 / 258
Capital
Tier 1 Capital Ratio12.50%11.41%12.98%15.12%Beats 40%154 / 258
Total Risk-Based Capital Ratio12.50%12.10%13.91%16.08%Beats 31%178 / 258
Equity / Assets11.08%9.09%10.24%11.72%Beats 64%93 / 258
Liquidity & Funding
Loans / Deposits52.65%73.24%86.34%95.95%5th pctl246 / 258
Loans / Assets44.60%63.01%72.27%78.40%4th pctl247 / 258
Brokered Deposits / Depositsn/aNot reported for this institution