BlastPoint's Banking Scorecard
Cashmere Valley Bank
Designations: ✓ Community bank
Cashmere, WA
12 branches across WA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
- Deposits +6.7% year over year ($2.0B on the books).
- Delinquency rate 0.35%.
- Return on assets 1.10%.
- Efficiency ratio 60.49% vs a 59.73% peer average.
- Loan-to-deposit ratio 52.06% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cashmere Valley Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 18.8% in tier
- - Net Interest Margin 0.70% below tier average
- - Efficiency Ratio 0.76% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+5.7% YoY
+0.7% QoQ
|
-$476.4M |
$2.8B
-0.6% YoY
|
$3.2B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$1.0B
+6.4% YoY
+6.3% QoQ
|
-$941.4M |
$2.0B
-0.3% YoY
|
$2.3B
+6.2% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$2.0B
+6.7% YoY
+1.0% QoQ
|
-$356.1M |
$2.3B
-0.5% YoY
|
$2.6B
+6.6% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
1.10%
-17.9% YoY
+8.8% QoQ
|
-0.29% |
1.39%
+17.0% YoY
|
0.49%
-20.7% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.17%
-4.1% YoY
+1.9% QoQ
|
-0.70% |
3.87%
+6.2% YoY
|
3.77%
+1.0% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
60.49%
+4.2% YoY
-2.3% QoQ
|
+0.76% |
59.73%
-12.6% YoY
|
77.86%
+4.3% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.35%
-19.3% YoY
-19.0% QoQ
|
-0.51% |
0.87%
+11.7% YoY
|
2.42%
+282.9% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
52.06%
-0.3% YoY
+5.3% QoQ
|
-32.98% |
85.04%
-0.1% YoY
|
82.67%
-3.3% YoY
|
79.03%
+2.3% YoY
|
Top 4.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.37%
-1.1% YoY
+2.0% QoQ
|
+0.10% |
21.27%
-1.5% YoY
|
25.26%
+1.1% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.16%
-18.4% YoY
-14.2% QoQ
|
-0.51% |
0.67%
+11.7% YoY
|
1.67%
+187.6% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.50%
-5.8% YoY
-1.1% QoQ
|
-2.35% |
14.84%
-0.4% YoY
|
12.96%
-1.6% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.51%
-5.8% YoY
+93.3% QoQ
|
-0.02% |
0.53%
+2.5% YoY
|
0.42%
+15.9% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.4%
-0.2pp YoY +0.4pp QoQ |
0.0pp | 21.4% | 25.3% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
-0.8pp YoY 0.0pp QoQ |
+0.2pp | 14.0% | 10.5% | 12.5% | 64% |
| CRE |
42.6%
+1.4pp YoY +0.2pp QoQ |
-7.4pp | 50.0% | 50.6% | 41.4% | 30% |
| 1-4 Family |
12.4%
+0.7pp YoY -0.3pp QoQ |
-14.1pp | 26.4% | 30.1% | 31.3% | 23% |
| Consumer |
21.9%
-2.1pp YoY -0.1pp QoQ |
+17.2pp | 4.7% | 7.9% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 12.7% | 19.7% | n/a |
| Leverage Ratio |
12.5%
-0.8pp YoY -0.1pp QoQ |
+1.2pp | 11.3% | 10.7% | 12.6% | 81% |
| Total Capital Ratio | n/a | n/a | 16.7% | 13.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
310
-2 (-0.6%) YoY +3 (+1.0%) QoQ |
-4 | 313 | 343 | 482 | 67% |
| Assets per Employee ($) |
$7.5M
+6.4% YoY -0.3% QoQ |
-$3.0M | $10.5M | $8.5M | $8.8M | 30% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 24 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.4% | 0.4% | 2% |
| Nonaccrual |
0.4%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 2.6% | 1.0% | 36% |
| Allowance Coverage |
3.20x
+11.8% YoY +17.8% QoQ |
-15.51x | 18.71x | 4.50x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.4%
+0.1pp YoY -0.1pp QoQ |
+0.1pp | 0.3% | 0.4% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-2.3pp YoY +0.9pp QoQ |
-2.9pp | 12.6% | -2.7% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 20% |
| Net Income ($, YTD) |
$12.7M
-12.1% YoY — QoQ |
-$6.6M | $19.2M | $14.3M | $40.4M | 51% |
Get Full Access to Cashmere Valley Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
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.