Cache Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Cache Valley Bank is an FDIC-insured commercial bank headquartered in Logan, UT, established in 1975 (FDIC certificate 22134), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.49B, up 5.2% from Q2 2025, the 19th largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 12.04% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22134
- Headquarters
- Logan, UT
- Established
- 1975
- Total assets, Q2 2026
- $3.49B
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 12.04%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 124302325
- Latest call report
- Q2 2026, FFIEC 041 · Cache Valley Bank call report
- Holding company
- CACHE VALLEY BANKING COMPANY
- Asset rank in state
- 19th of 44 in Utah
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%. The figures come from its call report filed with the FFIEC.
Cache Valley Bank ranks as the 19th largest of the 44 banks based in Utah, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $3.49B, loans rose 3.1% and deposits fell 0.6%. Non-owner-occupied commercial real estate loans made up 23.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.1%. The FDIC Summary of Deposits lists 24 offices for it, in 19 cities across 2 states; its Logan 4 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cache Valley Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 25 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Cache Valley Bank's total assets moved between a low of $2.83B (Q4 2023) and a high of $3.59B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.49B total assets against $3.32B; $3.12B total liabilities against $2.95B.
$2.68B net loans and leases against $2.52B; $3.10B total deposits against $2.93B.
$156.1M securities against $137.1M; $512.1M cash and balances due against $536.4M.
$55.2M total interest income against $52.8M; $16.4M total interest expense against $19.5M.
$38.8M net interest income against $33.3M.
$1.7M total noninterest income against $1.7M; $15.4M total noninterest expense against $14.1M.
$1.0M provision for credit losses against $1.5M.
$18.1M net income against $14.6M.
2.12% return on assets against 1.78%; 4.71% net interest margin against 4.22%.
12.04% CET1 capital ratio against 13.11%; 10.68% tier 1 leverage ratio against 11.25%.
Inside the full Cache Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 149 of 3,606, for efficiency ratio; its furthest is 1,695 of 2,134, for CET1 ratio.
Metric pages for Cache Valley Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.60% (Q4 2024) to 2.13% (Q4 2025) and its net interest margin ran from 3.97% (Q1 2025) to 4.71% (Q2 2026).
| 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
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 63 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Cache Valley Bank headquartered?
It is headquartered in Logan, UT, United States.
When was Cache Valley Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Cache Valley Bank FDIC-insured?
Yes. It 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.
What is Cache Valley Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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