BlastPoint's Banking Scorecard
Cashmere Valley Bank
Designations: ✓ Community bank
Cashmere, WA
12 branches across WA
Cashmere Valley Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.7% in tier
- - Margin Compression: Bottom 33.3% in tier
- - Net Interest Margin 0.71% below tier average
- - Efficiency Ratio 0.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+8.4% YoY
+1.2% QoQ
|
-$514.7M |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$960.8M
+0.6% YoY
+2.0% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$1.9B
+6.2% YoY
+2.2% QoQ
|
-$400.0M |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.01%
-16.1% YoY
-23.9% QoQ
|
-0.35% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.11%
-5.3% YoY
-6.8% QoQ
|
-0.71% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
61.93%
+2.0% YoY
+8.7% QoQ
|
+0.87% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.44%
+20.6% YoY
-8.5% QoQ
|
-0.45% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
49.44%
-5.3% YoY
-0.2% QoQ
|
-34.76% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Top 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.95%
-0.9% YoY
-1.3% QoQ
|
-0.34% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.19%
+11.3% YoY
-8.7% QoQ
|
-0.49% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.63%
-2.9% YoY
-4.1% QoQ
|
-2.53% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.26%
-6.8% YoY
-74.8% QoQ
|
+0.01% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
82% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.