Logan, UT · Cert 22134 · Cache Valley Banking Co.
State charter, non-member · FDIC · 1 affiliate bank · 24 branches (25 in holding)
Q2 2026
Market Position · Logan, UT-ID · 2026 SOD (annual) · 40.9% share · #1 of 11 inst. · $1.4B of $3.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | 1.77% | 1.88% | 1.84% | 1.96% | +26 bps | |
| Return on Equity | 15.64% | 16.38% | 17.77% | 18.59% | 19.39% | +375 bps | |
| Net Interest Margin | 3.94% | 3.90% | 3.78% | 4.09% | 4.34% | +40 bps | |
| Efficiency Ratio | 40.64% | 44.34% | 43.27% | 40.10% | 39.05% | -159 bps | |
| Non-Interest Burden | 1.46% | 1.60% | 1.53% | 1.51% | 1.57% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.44% | 14.37% | 7.39% | 4.81% | 5.17% | -827 bps | |
| Loan Growth (YoY) | 6.43% | 7.00% | 6.58% | 6.85% | 6.51% | +9 bps | |
| Deposit Growth (YoY) | 14.04% | 14.98% | 8.76% | 5.68% | 5.98% | -806 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.20% | 0.21% | 0.27% | 0.29% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.18% | 0.09% | +7 bps | |
| Allowance / Loans | 1.29% | 1.32% | 1.32% | 1.28% | 1.28% | -1 bps | |
| Allowance Coverage of NPLs | 4.9x | 6.5x | 6.3x | 4.7x | 4.4x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.25% | 11.08% | 9.50% | 10.16% | 10.68% | -57 bps | |
| Total Risk-Based Capital | 14.29% | 14.39% | 13.13% | 13.09% | 13.19% | -110 bps | |
| Equity / Assets | 11.11% | 10.60% | 9.74% | 10.08% | 10.47% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.17% | 81.52% | 81.08% | 84.48% | 87.61% | +44 bps | |
| Liquid Assets / Assets | 15.61% | 21.06% | 20.59% | 17.24% | 14.48% | -112 bps | |
| CRE / Total Capital | n/a | 455% | 489% | 493% | n/a | n/a | |