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Cache Valley Bank
Logan, UT·FDIC Cert #22134·Charter: STATE·Est. 19751002.0·HC: CACHE VALLEY BANKING CO
Total Assets
$3.5B
Q4 2025
Return on Assets
1.88%
+0.11%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
43.27%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.88%+0.11
ROE
17.77%+1.39
Efficiency
43.27%-1.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.21%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.00%-0.43
Charge-offs
0.03%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.8 | 1.8 | 1.9 | 1.8 | 1.6 | 1.7 | 1.8 | 1.9 |
| ROE | 15.7 | 16.0 | 16.8 | 16.3 | 15.3 | 15.6 | 16.4 | 17.8 |
| Efficiency | 41.7 | 41.3 | 40.2 | 42.4 | 41.1 | 40.6 | 44.3 | 43.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 90.5 | 92.2 | 86.5 | 81.7 | 82.5 | 86.0 | 80.4 | 80.0 |
Balance Sheet
Total Assets$3.5B
Total Deposits$3.2B
Total Loans$2.5B
Total Equity$343.7M
Profitability
ROA1.88%
ROE17.77%
Efficiency Ratio43.27%
Net Income$64.1M
Risk & Asset Quality
NPL Ratio0.21%
Charge-off Rate0.03%
Loan/Deposit80.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans