Cache Valley Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets rose 0.51 percentage points from Q1 2026 to Q2 2026, ending at 10.67% against 10.16%. It was the largest change among the key lines on this page. Cache Valley Bank ranks 24th of 28 Utah banks on CET1 ratio, in the lower half at 12.04% (Q2 2026). Cache Valley Bank reported 12.04% on CET1 ratio for Q2 2026, 1.46 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.04% |
| Tier 1 risk-based capital ratio | 12.04% |
| Total risk-based capital ratio | 13.19% |
| Tier 1 leverage ratio | 10.68% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $365.5M |
| Tier 1 capital | $365.5M |
| Total risk-based capital | $400.6M |
| Total equity capital | $365.2M |
| Risk-weighted assets | $3.04B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.47% |
| Tangible equity to tangible assets | 10.47% |
| Equity capital to average assets | 10.67% |
| Internal capital growth rate | 14.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.6M |
| Common stock surplus | $25.9M |
| Retained earnings | $333.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$348K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.49% | 12.49% | 13.62% | 11.16% | $2.52B |
| Q4 2023 | 12.32% | 12.32% | 13.46% | 11.10% | $2.59B |
| Q1 2024 | 12.48% | 12.48% | 13.64% | 11.63% | $2.62B |
| Q2 2024 | 12.62% | 12.62% | 13.81% | 11.47% | $2.64B |
| Q3 2024 | 13.61% | 13.61% | 14.86% | 11.38% | $2.52B |
| Q4 2024 | 13.39% | 13.39% | 14.55% | 10.89% | $2.63B |
| Q1 2025 | 13.37% | 13.37% | 14.56% | 10.98% | $2.69B |
| Q2 2025 | 13.11% | 13.11% | 14.29% | 11.25% | $2.81B |
| Q3 2025 | 13.18% | 13.18% | 14.39% | 11.08% | $2.88B |
| Q4 2025 | 11.94% | 11.94% | 13.13% | 9.50% | $2.88B |
| Q1 2026 | 11.93% | 11.93% | 13.09% | 10.16% | $2.96B |
| Q2 2026 | 12.04% | 12.04% | 13.19% | 10.68% | $3.04B |
Cache Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cache Valley Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cache Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22134) · FFIEC NIC profile (RSSD 995076)