BlastPoint's Banking Scorecard
Cache Valley Bank
Logan, UT
24 branches across UT · ID
Cache Valley Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.96% below tier average
- + ROA 0.48% above tier average
- + Net Interest Margin 0.42% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+4.8% YoY
-0.8% QoQ
|
+$681.6M |
$2.8B
-0.1% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$2.6B
+6.8% YoY
+2.9% QoQ
|
+$636.5M |
$2.0B
+0.6% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$3.1B
+5.7% YoY
-1.3% QoQ
|
+$775.9M |
$2.3B
-0.3% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.84%
+12.4% YoY
-1.9% QoQ
|
+0.48% |
1.37%
+19.6% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
Top 14.6% in tier |
| Net Interest Margin ? |
4.24%
+7.2% YoY
+1.0% QoQ
|
+0.42% |
3.82%
+6.9% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
40.10%
-2.3% YoY
-7.3% QoQ
|
-20.96% |
61.06%
-4.6% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
Top 7.4% in tier |
| Delinquency Rate ? |
0.28%
-10.3% YoY
+29.5% QoQ
|
-0.61% |
0.89%
+14.1% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
83.40%
+1.1% YoY
+4.2% QoQ
|
-0.81% |
84.20%
+0.3% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
22.49%
-6.5% YoY
+1.7% QoQ
|
+1.20% |
21.29%
-2.5% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.26%
-7.8% YoY
+25.8% QoQ
|
-0.42% |
0.67%
+15.6% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.93%
-10.7% YoY
-0.1% QoQ
|
-3.23% |
15.16%
+2.0% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.06%
-16.2% YoY
-68.9% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.4% in tier |
Get Full Access to Cache 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.