Cache Valley Bank
Logan, UT · Cert 22134 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Cache Valley Banking Co.
State charter, non-member · FDIC · 1 affiliate bank · 24 branches (25 in holding)
Q2 2026
$3.5BAssets
$2.7BLoans
$3.1BDeposits
$365.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets operating regionally (rank 8 of 176).
- Widest gap: tier 1 capital ratio trails 59% of banks $1B-$10B in assets operating regionally (rank 104 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.97%
Rank 14 of 176
Net Interest Margin
4.34%
Rank 16 of 176
Efficiency Ratio
39.06%
Rank 9 of 176
Equity / Assets
10.47%
Rank 82 of 176
Non-interest income vs. expense
Unfavorable gap of $53.6M · efficiency ratio beats 95% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.93% | 1.26% | 1.54% | Beats 92% | 14 / 176 | | |
| Return on Equity | 18.79% | 9.26% | 11.89% | 14.46% | Beats 95% | 8 / 176 | | |
| Net Interest Margin | 4.34% | 3.25% | 3.59% | 3.93% | Beats 91% | 16 / 176 | | |
| Efficiency Ratio | 39.06% | 52.79% | 59.55% | 67.66% | Beats 95% | 9 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.30% | 0.64% | 1.32% | Beats 77% | 41 / 176 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 44% | 100 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.15% | 12.72% | 14.15% | Beats 41% | 104 / 176 | | |
| Total Risk-Based Capital Ratio | 13.19% | 11.81% | 13.63% | 15.33% | Beats 44% | 99 / 176 | | |
| Equity / Assets | 10.47% | 9.16% | 10.35% | 11.80% | Beats 53% | 82 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.61% | 80.94% | 89.73% | 97.21% | 43rd pctl | 101 / 176 | | |
| Loans / Assets | 77.91% | 69.25% | 75.12% | 80.82% | 62nd pctl | 67 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |