Cashmere Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 8.69 percentage points in Q2 2026, from 121.81% to 130.50%. It was the largest change from Q1 2026 among the key lines here. Cashmere Valley Bank has the 3rd lowest loan-to-deposit ratio of the 29 banks headquartered in Washington, at 52.65% as of Q2 2026. Cashmere Valley Bank reported 52.65% on loan-to-deposit ratio for Q2 2026, 35.55 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.03B |
| Net loans and leases | $1.02B |
| Loans held for sale | $4K |
| Loans to total assets | 44.60% |
| Loan-to-deposit ratio | 52.65% |
| Net loans to equity capital | 3.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.98% |
| Multifamily (5+ residential) | 12.54% |
| Commercial and industrial | 14.07% |
| Consumer | 21.62% |
| Credit cards | 0.40% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 9.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.50% |
| Construction concentration (Tier 1 capital + allowance) | 12.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $13.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.03B | $1.80B | 24.26% | 12.38% | 23.37% |
| Q4 2023 | $1.04B | $1.77B | 23.29% | 12.96% | 24.32% |
| Q1 2024 | $1.04B | $1.78B | 22.42% | 13.39% | 23.85% |
| Q2 2024 | $1.02B | $1.77B | 22.55% | 13.52% | 24.19% |
| Q3 2024 | $998.1M | $1.82B | 22.49% | 13.32% | 23.35% |
| Q4 2024 | $962.4M | $1.84B | 25.07% | 13.40% | 23.52% |
| Q1 2025 | $967.4M | $1.83B | 24.51% | 14.28% | 23.28% |
| Q2 2025 | $972.2M | $1.84B | 25.67% | 14.82% | 23.72% |
| Q3 2025 | $964.7M | $1.90B | 26.40% | 13.27% | 23.36% |
| Q4 2025 | $953.0M | $1.90B | 25.60% | 12.94% | 22.37% |
| Q1 2026 | $972.2M | $1.94B | 25.30% | 14.05% | 21.76% |
| Q2 2026 | $1.03B | $1.96B | 25.98% | 14.07% | 21.62% |
Cashmere Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cashmere Valley Bank, freeSource: Call Report Schedule RC-C, 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 Cashmere Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1265) · FFIEC NIC profile (RSSD 574976)