Cashmere Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.78 percentage points higher than in Q1 2026, at 77.33%. Within Washington, Cashmere Valley Bank is 8th of 29 on return on assets, 1.18% as of Q2 2026, above the middle of the field. Cashmere Valley Bank reported 1.18% on return on assets for Q2 2026, 0.10 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.50% |
| Equity capital to assets | 11.08% |
| Tangible equity to tangible assets | 10.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.45% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.28% |
| Texas ratio | 5.82% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 77.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 10.68% |
| Net interest margin | 3.21% |
| Efficiency ratio | 58.36% |
| Yield on earning assets | 4.66% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.65% |
| Core deposits to total deposits | 88.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.72% |
| Securities to assets | 41.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.92% | 1.37% | 3.34% | 1.42% | 0.46% |
| Q4 2023 | 12.38% | 1.48% | 3.41% | 0.60% | 0.47% |
| Q1 2024 | 12.42% | 1.38% | 3.18% | 1.50% | 0.15% |
| Q2 2024 | 12.71% | 1.26% | 3.14% | 1.48% | 0.31% |
| Q3 2024 | 12.72% | 1.34% | 3.29% | 1.51% | 0.36% |
| Q4 2024 | 12.93% | 1.30% | 3.18% | 1.63% | 0.42% |
| Q1 2025 | 13.02% | 1.18% | 3.20% | 1.61% | 0.33% |
| Q2 2025 | 13.26% | 1.45% | 3.28% | 1.66% | 0.32% |
| Q3 2025 | 12.99% | 1.36% | 3.29% | 1.67% | 0.43% |
| Q4 2025 | 13.17% | 1.23% | 3.32% | 1.65% | 0.74% |
| Q1 2026 | 12.63% | 1.01% | 3.10% | 1.59% | 0.53% |
| Q2 2026 | 12.50% | 1.18% | 3.21% | 1.45% | 0.28% |
Cashmere Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cashmere Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)