Salt Lake City, UT · Cert 26816 · Cache Valley Banking Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
10
Profitability
0
Liquidity
0
Efficiency
0
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.
Salt Lake City, UT · Cert 26816 · Cache Valley Banking Co.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (25 in holding)
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #54 of 57 inst. · $0.0B of $1175.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.81% | -6.61% | -4.89% | -3.95% | -3.52% | -3.84% | -8.54% | -11.62% | -767 bps | |
| Return on Equity | -83.05% | -49.10% | -15.51% | -11.90% | -10.33% | -11.15% | -24.08% | -33.06% | -2,117 bps | |
| Net Interest Margin | 3.38% | 3.33% | 0.44% | 0.67% | 0.81% | 0.68% | 0.40% | 0.50% | -17 bps | |
| Efficiency Ratio | 344% | 425% | 1945% | 891% | 711% | 801% | 2225% | 2281% | +138,997 bps | |
| Non-Interest Burden | 12.54% | 13.37% | 7.48% | 5.67% | 5.61% | 5.82% | 11.00% | 13.94% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.26% | 10.05% | 16.61% | 7.60% | 20.67% | -4.27% | -12.26% | -14.20% | -2,180 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -26.25% | -24.88% | -24.63% | -24.89% | -5.72% | -5.18% | -10.21% | -8.84% | +1,605 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.74% | 23.39% | 35.34% | 27.27% | 28.53% | 31.02% | 29.61% | 27.81% | +55 bps | |
| Total Risk-Based Capital | 69.76% | 69.05% | 35.34% | 27.27% | 28.53% | 31.02% | 102.22% | 73.51% | +4,624 bps | |
| Equity / Assets | 16.30% | 27.70% | 35.26% | 36.76% | 36.84% | 35.73% | 35.22% | 34.45% | -231 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 96.03% | 81.06% | 81.61% | 80.52% | 79.88% | 79.54% | 81.89% | 80.20% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Salt Lake City, UT · Cert 26816 · Peer group: banks under $1B in assets operating in a single state (n=746) · Cache Valley Banking Co.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (25 in holding)
Q2 2026
Return on Assets
-12.51%
Rank 746 of 746
Net Interest Margin
0.50%
Rank 744 of 746
Efficiency Ratio
2281%
Rank 746 of 746
Equity / Assets
34.45%
Rank 10 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -12.51% | 0.72% | 1.06% | 1.45% | Beats 0% | 746 / 746 | ||
| Return on Equity | -36.30% | 6.74% | 10.51% | 13.63% | Beats 0% | 743 / 746 | ||
| Net Interest Margin | 0.50% | 3.17% | 3.68% | 4.16% | Beats 0% | 744 / 746 | ||
| Efficiency Ratio | 2281% | 55.74% | 64.58% | 75.47% | Beats 0% | 746 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | ||||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 73.51% | 11.55% | 13.75% | 17.60% | Beats 99% | 8 / 746 | ||
| Total Risk-Based Capital Ratio | 73.51% | 11.71% | 14.33% | 18.43% | Beats 99% | 8 / 746 | ||
| Equity / Assets | 34.45% | 8.90% | 10.51% | 13.06% | Beats 99% | 10 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 0.00% | 61.31% | 78.27% | 90.78% | 0th pctl | 744 / 746 | ||
| Loans / Assets | 0.00% | 53.60% | 66.97% | 76.08% | 0th pctl | 744 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||