Cache Valley Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Cache Valley Bank runs leaner than most banks of its size. It reported $3.5 billion in assets at June 30, 2026, up 5.2% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 4.71 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter rose 24% from a year earlier, to $18 million. Funding is the softer spot: it holds about half of its deposits (54%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
As of June 30, 2026, Cache Valley Bank reported a CET1 capital ratio of 12.04%, a return on assets of 2.12%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.53%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 N Main St, Logan, UT 84321
- County
- Cache
- Metro Area
- Logan, UT-ID
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 2, 1975
- Former names
- North Park Bank of Commerce (1978-1983)
- Offices
- 25 domestic
- Employees (FTE)
- 340
- Domestic deposits
- $3.10B
- Allowance for credit losses
- $34.7M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $3.42B
- Average total loans
- $2.68B
- Average interest-bearing deposits
- $2.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 2, 1975
- FDIC Cert
- 22134
- Fed RSSD
- 995076
- SEC CIK
- 1890443 → filed by CACHE VALLEY BANKING COMPANY
- Website
- cachevalleybank.com →
- Parent Holding Company
- CACHE VALLEY BANKING COMPANY (RSSD 2324997)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cache Valley Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cache Valley Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cache Valley Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Cache Valley Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.04% | 2.12% | 0.29% | 1.53% | 4.71% |
| Q1 2026 | 11.93% | 1.87% | 0.27% | 1.03% | 4.25% |
| Q4 2025 | 11.94% | 2.13% | 0.21% | 1.19% | 4.15% |
| Q3 2025 | 13.18% | 1.95% | 0.20% | 1.00% | 4.33% |
| Q2 2025 | 13.11% | 1.78% | 0.26% | 1.45% | 4.22% |
| Q1 2025 | 13.37% | 1.66% | 0.30% | 1.36% | 3.97% |
| Q4 2024 | 13.39% | 1.60% | 0.29% | 1.23% | 4.12% |
| Q3 2024 | 13.61% | 2.06% | 0.23% | 1.36% | 4.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cache Valley Bank (main office) | Logan , UT | 84321 | $737.4M |
| Tabernacle Branch | Saint George , UT | 84770 | $438.8M |
| South Logan Branch | Logan , UT | 84321 | $188.4M |
| Salt Lake City Branch | Salt Lake City , UT | 84111 | $174.7M |
| Cache Valley Bank Branch | North Logan , UT | 84341 | $172.6M |
| Ogden Branch | Ogden , UT | 84401 | $147.6M |
| Preston Idaho Branch | Preston , ID | 83263 | $109.4M |
| Bountiful Branch | Bountiful , UT | 84010 | $104.9M |
| Hyrum Branch | Hyrum , UT | 84319 | $99.7M |
| River Road | Saint George , UT | 84790 | $98.9M |
| Cache Valley Bank - Layton Branch | Layton , UT | 84041 | $94.5M |
| Washington Branch | Washington , UT | 84780 | $93.7M |
| Sunset Branch | Saint George , UT | 84770 | $92.5M |
| Loa Branch | Loa , UT | 84747 | $90.5M |
| Nephi Branch | Nephi , UT | 84648 | $76.0M |
| Ephraim Branch | Ephraim , UT | 84627 | $66.3M |
| Price Branch | Price , UT | 84501 | $61.9M |
| Smithfield Branch | Smithfield , UT | 84335 | $56.4M |
| Cedar City Branch | Cedar City , UT | 84720 | $48.6M |
| East Logan Branch | Logan , UT | 84321 | $47.2M |
| Mount Pleasant Branch | Mount Pleasant , UT | 84647 | $46.9M |
| Logan Branch | Logan , UT | 84341 | $35.3M |
| Fairview Branch | Fairview , UT | 84629 | $15.2M |
| Lehi Branch | Lehi , UT | 84043 | $3.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 4, 2017 | Structure Change | Acquired Proficio Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 3, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 1, 2014 | Structure Change | Acquired The Village Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2011 | Structure Change | Acquired Sunfirst Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 4, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 2, 2009 | Structure Change | Acquired America West Bank, L.C. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 1, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Cache Valley Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- March 20, 2007, Federal Reserve: Cease and Desist Order: Cache Valley Banking Company, Logan, UT and Cache Valley Bank, Logan, UT
- April 19, 2004, Federal Reserve: Written Agreement: Cache Valley Banking Company, Logan, UT and Cache Valley Bank, Logan, UT
- Period: Most recent institution action March 20, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in UT, rank 22 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 365 applications, 330 loans originated, $154.7M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 33 loans, $14.2M approved, $430K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cache Valley Bank
What are Cache Valley Bank's total assets?
As of the Q2 2026 filing, Cache Valley Bank reported total assets of $3.49 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cache Valley Bank headquartered?
Cache Valley Bank is headquartered in Logan, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Cache Valley Bank founded?
Cache Valley Bank was established in 1975, per the FDIC institution directory.
Is Cache Valley Bank FDIC-insured?
Yes. Cache Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #22134). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cache Valley Bank?
Cache Valley Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cache Valley Bank's CET1 capital ratio?
Cache Valley Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.04% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cache Valley Bank operate?
Cache Valley Bank operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cache Valley Bank's Texas Ratio?
Cache Valley Bank's Texas Ratio is 1.53% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Cache Valley Bank previously called?
The charter now named Cache Valley Bank has also operated as North Park Bank of Commerce (1978-1983), per FDIC structure-change records.
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