Cache Valley Bank
Cache Valley Bank reported total assets of $3.5 bn at Q2 2026, up 5.2% on a year earlier, the 366th largest of 497 banks in our US coverage. The CET1 capital ratio at Cache Valley Bank was 12.04%, and the uninsured share of Cache Valley Bank was 54.41%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Cache Valley Bank slipped from 232nd to 337th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Cache Valley Bank has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 19.39% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
- At 54.41%, the uninsured share of domestic deposits of Cache Valley Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61% (FDIC Call Reports).
What sets Cache Valley Bank apart
- Since , Cache Valley Bank has taken over one institution, 1 of them a failed bank bought from the FDIC; the latest was Proficio Bank on .
How large is Cache Valley Bank?
The balance sheet of Cache Valley Bank at : assets $3.5 bn, deposits $3.1 bn, net loans $2.7 bn (loans equal to 86.49% of deposits). Securities make up 4.5% of total assets at Cache Valley Bank. Since , when Cache Valley Bank held $937.2 mn, its assets grew 272.0%. In the year to , deposits at Cache Valley Bank rose 6.0% while its total assets rose 5.2%. At , Cache Valley Bank employed 340 full-time equivalent staff across 25 offices, about $10.3 mn of assets per employee and $124.0 mn of deposits per office.
How much funding at Cache Valley Bank is uninsured?
At Cache Valley Bank, uninsured deposits (above the FDIC limit) made up 54.41% of domestic deposits at (-0.62 pp on a year earlier); Cache Valley Bank ranks 50th of 500 on this measure. In dollars, Cache Valley Bank estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | +6.0% | 348th of 499 |
| Net loans and leases | $2.7 bn | +6.5% | 346th of 500 |
| Loan-to-deposit ratio | 86.49% | +0.44 pp | 255th of 500 |
| Tier 1 leverage ratio | 10.68% | -0.57 pp | 208th of 500 |
| Total risk-based capital ratio | 13.19% | -1.10 pp | 340th of 448 |
| Net interest margin | 4.45% | +0.37 pp | 67th of 500 |
| Return on assets (ROA) | 1.96% | +0.26 pp | 57th of 500 |
| Efficiency ratio | 39.05% | -1.59 pp | 56th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.9 mn | Narrowed by $266,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $469,000 | Widened by $276,000 | |
| Noncurrent loans to total loans | 0.29% | +0.03 pp | 102nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | +0.07 pp | 260th of 500 (1 = lowest) |
US rank of Cache Valley Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Cache Valley Bank: assets, deposits and loans
- Total assets $3.5bn
- Deposits $3.1bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of Cache Valley Bank stood at 12.04% in , -1.07 pp year on year. Low and high at Cache Valley Bank since : 11.73% () to 14.06% (). Equity capital of Cache Valley Bank at : $365.2 mn, or 10.5% of total assets. Cache Valley Bank also reported a total capital ratio of 13.19% for , and a tier 1 leverage ratio of 10.68%.
On held-to-maturity securities, Cache Valley Bank carried an unrealized loss of $1.9 mn at , equal to 0.5% of equity capital. The loss narrowed by $266,000 over the year. Its deepest point: $16.1 mn in . The available-for-sale portfolio of Cache Valley Bank showed an unrealized loss of $469,000 at ; the loss widened by $276,000 over the year.
Cache Valley Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
Cache Valley Bank: unrealized securities gains and losses
- Available for sale -$469,000
- Held to maturity -$2mn
Profitability and loan quality
For the year to , Cache Valley Bank earned a return on equity of 19.39%; return on assets: 1.96%. Net interest margin at Cache Valley Bank: 4.45%, +0.37 pp in a year. Cache Valley Bank net income: $34.3 mn, up 21.9% year on year. The efficiency ratio of Cache Valley Bank was 39.05%: about 39 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 0.29% of total loans at Cache Valley Bank; net charge-offs: 0.09% of average loans. Gross loans and leases at Cache Valley Bank: $2.7 bn, up 6.5% in a year.
Cache Valley Bank: profitability
- Return on equity 19%
- Net interest margin 4.5%
- Return on assets 2.0%
Peer group of Cache Valley Bank
The peer group of Cache Valley Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Cache Valley Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Utah. Against them, Cache Valley Bank shows CET1 ratio 12.04% against a peer median of 13.81%, return on equity 19.39% against a peer median of 12.54% and uninsured deposit share 54.41% against a peer median of 30.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank of Ann Arbor | State nonmember bank | MI | $3.5 bn | 14.27% | 13.82% | 43.99% | |
| First Farmers Bank & Trust Co. | State member bank | IN | $3.5 bn | 12.82% | 17.35% | 30.24% | |
| The Farmers & Merchants State Bank | State nonmember bank | OH | $3.5 bn | 11.84% | 11.22% | 11.09% | |
| Cache Valley Bank | State nonmember bank | UT | $3.5 bn | 12.04% | 19.39% | 54.41% | |
| Ponce Bank | National bank | NY | $3.5 bn | 17.87% | 7.44% | 20.09% | |
| Banco do Brasil Americas | State nonmember bank | FL | $3.5 bn | 23.30% | 14.52% | 30.51% | |
| PCB Bank | State nonmember bank | CA | $3.5 bn | 13.35% | 11.25% | 47.93% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cache Valley Bank, to : assets +11.2%, deposits +12.0%, equity +6.4%. Staff 310 to 340; offices 23 to 25.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.6 bn | $3.5 bn | $3.5 bn | $3.5 bn |
| Total deposits | $2.8 bn | $2.9 bn | $3.0 bn | $2.9 bn | $3.2 bn | $3.2 bn | $3.1 bn | $3.1 bn |
| Bank equity capital | $343.3 mn | $351.7 mn | $359.6 mn | $368.4 mn | $380.1 mn | $343.7 mn | $352.6 mn | $365.2 mn |
| CET1 ratio | 13.61% | 13.39% | 13.37% | 13.11% | 13.18% | 11.94% | 11.93% | 12.04% |
| Return on equity (ROE) | 16.80% | 16.30% | 15.26% | 15.64% | 16.38% | 17.77% | 18.59% | 19.39% |
| Uninsured share of domestic deposits | 50.04% | 53.29% | 54.19% | 55.02% | 55.69% | 56.56% | 56.10% | 54.41% |
| Full-time equivalent employees | 310 | 323 | 318 | 331 | 336 | 348 | 339 | 340 |
| Number of offices | 23 | 24 | 24 | 24 | 24 | 25 | 25 | 25 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Cache Valley Bank, oldest first; figures before and after each event are not like for like.
- . Acquired the failed Proficio Bank from the FDIC as receiver (FDIC certificate 35495).
Large one-quarter moves at Cache Valley Bank
- Total assets at Cache Valley Bank changed by +86.2% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Cache Valley Bank?
Cache Valley Bank reported $3.5 bn at in its Call Report. That makes Cache Valley Bank the 366th largest of 497 banks in our US coverage.
Is Cache Valley Bank the same as its holding company?
No. This page covers Cache Valley Bank, FDIC certificate 22134; CACHE VALLEY BANKING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Cache Valley Bank profitable?
Cache Valley Bank reported net income of $34.3 mn for the year to ; annualized return on equity: 19.39%. So yes: Cache Valley Bank made a profit over these months.
When is data for Cache Valley Bank next updated?
Figures from Cache Valley Bank for are due after .
Where can I check the figures for Cache Valley Bank?
In the FDIC BankFind Suite record for certificate 22134, and in the Call Reports of Cache Valley Bank (RSSD ID 995076) at the FFIEC Central Data Repository.