Cache Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cache Valley Bank of Logan, UT against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.12% | 1.34% | +0.78% | 89th top |
| ROAE | 20.20% | 12.34% | +7.86% | 89th top |
| Net Interest Margin | 4.71% | 3.83% | +0.88% | 91st top |
| Efficiency Ratio | 38.06% | 58.97% | -20.91% | 94th top |
| PPNR / Avg Assets | 2.93% | — | — | 94th top |
| Yield on Earning Assets | 6.70% | 5.71% | +0.99% | 92nd top |
| Cost of Funds | 2.20% | 2.02% | +0.18% | 37th below |
| Net Interest Spread | 3.95% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.87% | -0.58% | 69th above |
| NPA / Total Assets | 0.28% | — | — | 63rd above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 64th above |
| ACL / Total Loans | 1.28% | — | — | 67th above |
| ACL / NPLs (Coverage) | 442.22% | — | — | 75th top |
| Texas Ratio | 1.53% | 5.48% | -3.95% | 75th top |
| Provision / NCO | 2127.66% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.04% | 14.99% | -2.95% | 24th bottom |
| Tier 1 Ratio | 12.04% | 15.02% | -2.98% | 24th bottom |
| Total Capital Ratio | 13.19% | — | — | 25th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.68% | 11.11% | -0.43% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.02% | -0.55% | 51st above |
| TCE / Tangible Assets | 10.47% | — | — | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.61% | 86.99% | +0.62% | 52nd above |
| Core Deposit Ratio | 91.44% | 85.57% | +5.87% | 65th above |
| Uninsured Deposit Ratio | 54.41% | 33.19% | +21.22% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.17% | — | — | 48th below |
| Loan Growth (Y/Y) | 6.51% | — | — | 54th above |
| Deposit Growth (Y/Y) | 5.98% | — | — | 57th above |
See Cache Valley Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cache Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cache Valley Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cache Valley Bank peer analysis.