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 (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 | 2.05% | 1.61% | 1.64% | 1.75% | 1.93% | 2.17% | 1.84% | 2.08% | +32 bps | |
| Return on Equity | 18.42% | 14.86% | 15.26% | 16.01% | 17.83% | 21.29% | 18.59% | 20.20% | +419 bps | |
| Net Interest Margin | 4.21% | 3.96% | 3.81% | 4.06% | 4.17% | 4.00% | 4.09% | 4.54% | +48 bps | |
| Efficiency Ratio | 38.02% | 49.49% | 41.07% | 40.23% | 51.04% | 40.20% | 40.10% | 38.07% | -216 bps | |
| Non-Interest Burden | 1.47% | 2.09% | 1.41% | 1.51% | 2.02% | 1.58% | 1.51% | 1.61% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.45% | 16.23% | 15.00% | 13.44% | 14.37% | 7.39% | 4.81% | 5.17% | -827 bps | |
| Loan Growth (YoY) | 10.43% | 4.39% | 5.56% | 6.43% | 7.00% | 6.58% | 6.85% | 6.51% | +9 bps | |
| Deposit Growth (YoY) | 8.36% | 16.99% | 15.80% | 14.04% | 14.98% | 8.76% | 5.68% | 5.98% | -806 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.29% | 0.30% | 0.26% | 0.20% | 0.21% | 0.27% | 0.29% | +3 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.15% | 0.01% | 0.03% | 0.01% | 0.07% | 0.18% | 0.01% | -2 bps | |
| Allowance / Loans | 1.28% | 1.25% | 1.28% | 1.29% | 1.32% | 1.32% | 1.28% | 1.28% | -1 bps | |
| Allowance Coverage of NPLs | 5.7x | 4.4x | 4.2x | 4.9x | 6.5x | 6.3x | 4.7x | 4.4x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.38% | 10.89% | 10.98% | 11.25% | 11.08% | 9.50% | 10.16% | 10.68% | -57 bps | |
| Total Risk-Based Capital | 14.86% | 14.55% | 14.56% | 14.29% | 14.39% | 13.13% | 13.09% | 13.19% | -110 bps | |
| Equity / Assets | 10.95% | 10.71% | 10.78% | 11.11% | 10.60% | 9.74% | 10.08% | 10.47% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.60% | 82.74% | 83.56% | 87.17% | 81.52% | 81.08% | 84.48% | 87.61% | +44 bps | |
| Liquid Assets / Assets | 15.03% | 19.92% | 19.01% | 15.61% | 21.06% | 20.59% | 17.24% | 14.48% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 455% | 489% | 493% | n/a | n/a | |