Cache Valley Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.46 percentage points higher than in Q1 2026, at 4.71%. Cache Valley Bank ranks 29th of 44 Utah banks on net interest margin, in the lower half at 4.71% (Q2 2026). Cache Valley Bank reported 4.71% on net interest margin for Q2 2026, 1.00 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 7.37% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.75% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.71% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $49.4M |
| Total interest expense | $16.4M |
| Interest expense on deposits | $16.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.13% | 1.72% | 4.54% | 6.98% | 2.48% |
| Q4 2023 | 6.31% | 2.06% | 4.44% | 6.99% | 2.73% |
| Q1 2024 | 6.52% | 2.31% | 4.39% | 7.00% | 3.01% |
| Q2 2024 | 6.77% | 2.56% | 4.43% | 7.12% | 4.18% |
| Q3 2024 | 6.88% | 2.75% | 4.38% | 7.27% | 3.83% |
| Q4 2024 | 6.71% | 2.84% | 4.12% | 7.28% | 4.59% |
| Q1 2025 | 6.41% | 2.67% | 3.97% | 6.99% | 4.37% |
| Q2 2025 | 6.69% | 2.72% | 4.22% | 7.29% | 4.35% |
| Q3 2025 | 6.79% | 2.71% | 4.33% | 7.47% | 4.25% |
| Q4 2025 | 6.53% | 2.64% | 4.15% | 7.43% | 4.15% |
| Q1 2026 | 6.40% | 2.34% | 4.25% | 7.17% | 4.01% |
| Q2 2026 | 6.70% | 2.20% | 4.71% | 7.37% | 4.03% |
Cache Valley Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cache Valley Bank, freeSource: Call Report Schedules RI and RC-K, 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)