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 | |