Cashmere, WA · Cert 1265
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Wenatchee-East Wenatchee, WA · 2026 SOD (annual) · 44.9% share · #1 of 11 inst. · $1.6B of $3.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.33% | 1.21% | 1.48% | 1.39% | 1.25% | 1.01% | 1.19% | -29 bps | |
| Return on Equity | 12.75% | 12.18% | 10.89% | 13.11% | 12.13% | 10.65% | 8.76% | 10.68% | -244 bps | |
| Net Interest Margin | 3.08% | 2.99% | 3.02% | 3.09% | 3.10% | 3.13% | 2.93% | 3.04% | -5 bps | |
| Efficiency Ratio | 55.20% | 56.88% | 60.71% | 55.47% | 55.54% | 56.25% | 61.93% | 59.07% | +360 bps | |
| Non-Interest Burden | 1.25% | 1.27% | 1.42% | 1.26% | 1.27% | 1.34% | 1.44% | 1.42% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.69% | 3.86% | 2.72% | 6.73% | 7.02% | 7.15% | 8.41% | 5.72% | -101 bps | |
| Loan Growth (YoY) | -2.84% | -7.68% | -7.14% | -4.32% | -3.35% | -0.97% | 0.50% | 6.29% | +1,062 bps | |
| Deposit Growth (YoY) | 1.57% | 3.62% | 2.51% | 3.76% | 3.96% | 3.42% | 6.21% | 6.72% | +296 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.36% | 0.36% | 0.43% | 0.51% | 0.47% | 0.43% | 0.35% | -8 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.43% | 0.33% | 0.32% | 0.43% | 0.74% | 0.53% | 0.27% | -5 bps | |
| Allowance / Loans | 1.32% | 1.32% | 1.28% | 1.24% | 1.26% | 1.20% | 1.17% | 1.12% | -12 bps | |
| Allowance Coverage of NPLs | 4.5x | 3.7x | 3.6x | 2.9x | 2.5x | 2.5x | 2.7x | 3.2x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.72% | 12.93% | 13.02% | 13.26% | 12.99% | 13.17% | 12.63% | 12.50% | -77 bps | |
| Total Risk-Based Capital | 12.72% | 12.93% | 13.02% | 13.26% | 12.99% | 13.17% | 12.63% | 12.50% | -77 bps | |
| Equity / Assets | 11.00% | 10.91% | 11.28% | 11.34% | 11.56% | 11.93% | 11.21% | 11.08% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.69% | 52.36% | 52.87% | 52.86% | 50.84% | 50.14% | 50.03% | 52.65% | -21 bps | |
| Liquid Assets / Assets | 13.32% | 15.02% | 13.44% | 13.64% | 16.12% | 14.95% | 15.49% | 13.82% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 136.45% | 134.38% | 140.83% | n/a | n/a | |